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

Date : XX/XX/2020 I just registered for an account with Binance.US. I successfully completed all 3 levels of verification which involved submitting my social security number, picture of the front and back of my driver 's license, most recent bank statement with current address, a selfie, and verified verified my phone number. After submitting all of this information, I tried to fund my Binance.US account via an ACH transfer from my checking account in the amount of {$1000.00}. After initiating the transaction, I received a message from Binance.US saying the funds should appear in my account within two minutes. I waited a couple hours and there was no money in my account. I reached out to customer support and got a generic reply that was not helpful at all. It has now been seven hours and there is still no money in my account. I have provided sensitive personally identifiable and financial information to this company with the expectation of being able to purchase cryptocurrencies on their exchange, and their service is useless to me if I am unable to fund my account. So now I am in a situation where this company has all of my personal information and they are not providing services to me. I have a friend who is also having similar issues with Binance.US so I know this is not an isolated issue.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to TransUnion, XXXX, and XXXX disputing inaccurate personal information and inaccurate accounts reporting to my credit report. These letters were sent out on XX/XX/2023 and the letters were received by the bureau by XXXX XXXX. I never received any response from neither credit bureau. I have attached all the dispute letters to my complaint.
Product: Checking or savings account

I'm not to sure what exactly happened but everything was fine my cousin transferred me XXXX to my account first she did XXXX to make sure it was fine it went through she sent me the other XXXX the money was excepted in my account they even deducted XXXX $ from it for account fees but when I went in to withdrawal some money all of a sudden a error popped up so they said for me to speak to a banker and the banker said my account was being closed that the following day they would send me a cashier 's check for the amount in my account XXXX it's been 3 years my account been closed now their saying it's a hold on the funds and there's no time frame my cousin tried to get the funds back from her bank but they said it was already deposited and excepted to my account since it was a authorized transaction that they can't do nothing that it's between me and my bank now. And they won't give me no information just keep saying it's a hold on it and they don't have a time frame this was back in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX XXXX due to problem with the companies XXXXXXXX XXXX XXXX investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX  ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX XXXX XXXX XXXX XXXX  and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

I believe they are calling regarding a utility bill which I am paying directly to the utility company in payments as I cant afford them. When they called I have asked them to stop calling, then when I answer they hang up in my face. 
Calls are as follows 2021 : XX/XX/XXXX XXXX XXXX I answer and they hung up XX/XX/XXXX XXXX XXXX told them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are filing a complaint against Experian Credit Reporting Agency. In XXXX, we filed a dispute with Experian, XXXX, and XXXX  for the account of XXXX XXXX. This company participated in fraudulent and deceptive trade practices, and breach of contract in XXXX. We are currently filing a complaint with the Federal Trade Commission against this company XXXX XXXX. After mailing in the disputes, XXXX   and XXXX removed the fraudulent account from our credit report, but Experian did not. Since then we have disputed this with Experian at least three times. This reported delinquent XXXX XXXX account on Experian is over seven years old and fraudulent. We are asking that Experian correct this error by completely removing this account from our credit reports immediately and correcting our scores. 
I have also attached our XXXX credit reports showing the XXXX XXXX account still reporting on Experian but removed from XXXX   and XXXX. I have also attached the letter sent to XXXX XXXX XX/XX/XXXX, the timeshare cancelation letter from XXXX, and the contract instructions for cancelation. 
Thank you for your assistance in this matter
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX  XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX file on XX/XX/2015. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Complaint Under the Fair Credit Reporting Act ( FCRA ) and Demand for Resolution through XXXX Dear Equifax Information Services, I am writing to formally express my dissatisfaction with your handling of my credit information and the numerous violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of your gross negligence and misconduct. 

Despite my multiple disputes regarding inaccurate information on my credit report, including a fraudulent residence listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I have never XXXX has failed to take appropriate action. This misinformation has persisted, and you have continued to display XXXX XXXX XXXX XXXX as my residence, which is my previous address linked to my family but not applicable to me. My current and verifiable residence is XXXX XXXX XXXX XXXX XXXX XXXX, which is also correctly reflected on my other credit reports. 

Additionally, the trade line reported by XXXX XXXX is erroneous and must be investigated as per FCRA requirements. I have provided supporting documentation alongside my disputes, including my FTC report regarding identity theft, yet this has not led to the necessary corrections. 

Your company has been sending me correspondence to my correct address as listed, yet in its attempts to delay and hinder a true investigation, it has misleadingly listed XXXX XXXX XXXX as my address for dispute results. This misinformation not only adds to my frustration but further complicates the resolution process. 

Furthermore, it is important to clarify that my legal name is XXXX XXXX XXXX, with the " V '' always capitalized. 

The repeated failure to report accurate and verified information, as well as to conduct proper due diligence during the dispute resolution process, has severely impacted my creditworthiness. I have been unable to secure products with lenders who can not locate my credit file, and my business bureau scores have not been accessible since XX/XX/XXXX. 

Due to these ongoing issues and the significant distress and fraud resulting from your inaccuracies, I hereby demand a resolution through arbitration per the terms outlined within my credit report agreement with Equifax. It is essential that you take this matter seriously, investigate my complaints thoroughly, and rectify the errors reported on my credit file immediately. 

Failure to address these issues may force me to pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting, credit repair services, 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Medical Center  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
Product: Debt collection

I have been getting calls from XXXX from Cadillac Accounts Receivable Management from the phone number - XXXX. They keep calling once every month saying that I have a debt. They never disclose what the debt is about. I ask them to send a notice or mail and they never send that too. 

I tell them everytime that I am not receieving a notice and they say I have a debt. How do I verify they are not scamming me or if the debt is even real. I dont have any unpaid bills that I am aware of. Appreciate any help you can provide on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Debt collection

Sentry Credit has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection efforts after I provided you with a letter clearly stating that i want all further communication in writing. 
I sent your company a letter XXXX XX/XX/2023, In this letter, I clearly and unequivocally requested that you cease all communication with me via phone regarding the alleged debt, in accordance with my rights under the FDCPA, specifically under 15 U.S.C. 1692c ( c ). 
Despite receiving this letter, I have received further communication from your company, i.e ... ... phone calls, attempting to collect the alleged debt. This continued communication constitutes a clear violation of the FDCPA, and it is unacceptable. 

I also have not received anything from you since like was asked for in the letter attached.
Product: Credit reporting or other personal consumer reports

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. '' ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process. 

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.
Product: Debt collection

I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year> I received a notice from Southwest Credit System , L.P. stating that I had owed them. I respectfully asked them to show me an original contract that showed that I had taken into a contract with this company. I sent them by certified mail return receipt a questionnaire as well as a letter not refusing to pay if they could show me. To no avail they kept sending old copies of a contract that was taken with them nor did they complete my questionnaire. I actually gave them the time allowed by the FCDP and FCRA. I sent them three ( 3 ) notices in which I have attached here within. They ignored all three ( 3 )
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

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

Equifax breach of Personal Information. I was one of 134 million potential consumers whose information was obtained via a security breach. I believe this breach could have been presented if proper security measures were implemented by Equifax. I have not voluntarily supplied my personal information to Equifax.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 


If these accounts are not removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering..