23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Trans Union will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXX XXXX
Product: Mortgage

I tried to refinance at the end of XXXX it was denied due to them not compiling the information that they needed. I went into the hospital with XXXX  in XXXX  and tried to reapply again. It was denied again and they want me to go through the whole process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

On or around XXXX XXXX, XX/XX/21, I signed up for Auto-Pay with my Best Buy Credit Card, by Citi Bank. The option for Auto-Pay selected was " Minimum Amount Due. '' The terms and conditions did not disclose a preset payment would be automatically withdrawn from my checking account, in the event I made a payment earlier. 

In this scenario, My due date was XX/XX/21, for the Minimum Amount Due of {$29.00}. I processed a successful payment of {$300.00} on XX/XX/21. This payment posted by account, as I checked online, where also, my minimum due online was {$0.00}. I was still drafted {$29.00} on XX/XX/21. Essentially, the auto pay does not look at the minimum due amount. The issue is that when the statement generates their system automatically schedules the minimum due on that date. 

I feel this is very abusive because there was no minimum amount due. I do want to keep the auto pay but only when I have forgotten to make a payment, in by case for a backup plan, so that my credit remains unaffected.
Product: Credit reporting

Had a XXXX - XXXX XXXX XXXX home mortgage account that was refinanced on XX/XX/XXXX. 

As a build up to this 'refinance ' once in XX/XX/XXXX XXXX got ready to lock my rate and refinance and advised me that month 's payment would come from the closing proceeds. However when the rate lock did not happen I ended up paying XX/XX/XXXX mortgage out of personal proceeds. 

On a XXXX occasion a year later XXXX locked the rate in XX/XX/XXXX and completed the closing on XX/XX/XXXX. As per the process XXXX paid the XX/XX/XXXX mortgage out of the closing proceeds. 

However, ended up reporting both late payment as a my fault ( when I was clearly advised that loan closing month 's mmortgage would come out closing proceeds ) to the credit reporting agencies, which is impacting my credit score negatively. 

I have tried several time to talk to XXXX to correct this reporting and had faxed/sent a dispute letter on XX/XX/XXXX as well. 

However, until now there is no resolution to this issue and my credit report is impacted negatively.
Product: Money transfer, virtual currency, or money service

I have a crypto trading account on the Binance.US platform. 
Yesterday ( XX/XX/2022 ), I received an email from Binance.US informing me that they mistakenly distributed the wrong amount of the XXXX XXXX to my account on XX/XX/XXXX, giving me XXXX XXXX instead of an unspecified lower amount that they should have sent. 

Binance.US informed me that they need to withdraw the excess ( estimated at about XXXX XXXX ) from my account to correct their XX/XX/XXXX error, and told me that all trading and withdrawals on my account would be disabled until they make that withdrawal. The message provided no estimate of how long this might take. 

Unfortunately, in the more than one month between their error and them notifying me of the error, I sold the crypto coin in question and as a result no longer have enough XXXX in the account to cover their intended withdrawal. My account was frozen anyhow, along with over {$14000.00} in USD and other assets that I have there. 

I immediately attempted to contact Binance.US customer service for instructions and/or an estimate on the duration of the suspension, but was only able to submit a ticket requesting a contact by their support team. I submitted that request with full details of the issue, but as of today XX/XX/2022, I have not received any response whatsoever from Binance.US. As a result, I remain unable to trade on the account or access the funds that I have stored there, and have no idea when I'll be able to access my money.

TL : DR : Binance.US made an error in depositing $ XXXX {$60.00} worth of excess XXXX to my account on XX/XX/XXXX. They froze my account until they can withdraw the excess coins resulting from their error, but due to them not notifying me of their error for over a full month the account no longer has enough of that specific coin to cover their intended withdrawal. My account valued at over {$14000.00} USD remains completely locked and my funds inaccessible to me, but they have provided no additional instructions, estimated date of resolution, or any response whatsoever to my customer support inquiries. 

As a result, I risk substantial additional financial damage due to my complete inability to access the account during a period of high market volatility. 
The poor service and communication displayed by Binance.US is completely unacceptable for any financial institution or trading platform, and more than 24 hours after contacting Binance.US about the matter I have yet to receive any response.
Product: Checking or savings account

Subject : Illegitimate Concealment of J.P. Morgan Chase Bank Account from Requestor, with Management by Bank Employees Posing as Authorized Representatives of XXXX XXXX XXXX, Utilizing Account Numbers XXXX - XXXX On XX/XX/XXXX, I received an email from J.P. Morgan Chase Payments ( Chase@e.chase.com ) with the subject line urging me to keep my inactive accounts open by utilizing them. This correspondence was sent to my email address ( XXXX ). Despite having established an account with J.P. Morgan Chase, I was subsequently denied access and informed that the account had been closed, raising significant concerns regarding the management and transparency of my banking relationship with the institution. 

I formally request comprehensive details pertaining to the merchant account numbered XXXX - XXXX, along with any other accounts that may have been established under my name at J.P. Morgan Chase Bank. Furthermore, I seek immediate access to these accounts. Since XXXX, I have persistently requested signature cards and statements for all accounts held at Chase Bank, both via telephone and email. Each time, I was informed that the bank did not possess any accounts or funds associated with me or my business, XXXX XXXX XXXX. This assertion is unequivocally false and necessitates a thorough investigation, especially in light of the marketing communications I have received that reference open accounts linked to my business. 

The bank 's refusal to provide essential documentation, including signature cards that would verify the initiation of the account, regular statements, and secure online access credentials, is in direct violation of FDIC guidelines. Currently, the bank is asserting its right to close the account without granting me the legal authority to access, manage, or review the transaction history. I demand all pertinent account details, including initiation contracts, signature cards for all accounts, and the last XXXXven years of banking statements for all accounts associated with myself and XXXX XXXX XXXX. As a XXXX XXXX I am recognized as a disregarded legal entity, which grants me the legal standing to request this information through the Consumer Financial Protection Bureau ( CFPB ).
Product: Checking or savings account

I have a savings account with Goldman Sachs Bank USA, which is a completely online account. In order to make any deposits I have to send in checks to a po box address. I have deposited a significant amount and now Goldman Sachs has locked me out of my account. Recently, I deposited 2 checks, which have been debited from my account. Originally, they stated that they couldn't text me a pin to any of my numbers listed ( but they were able to call me on my mobile ) ; then they said that they needed me on the phone with the bank the 2 checks were drawn on ( originating bank ) to verify that the checks could clear. Then, they said that they didn't need me on the phone to verify the information because originating bank verified there were sufficient funds in both accounts to cover the checks. Then, when I tried calling Goldman Sachs again just to have the available funds transferred out, they told me they had to wait to hear from originating bank. Every time I call Goldman Sachs, they give me a different reason why they have locked me out of my account and access to my money. I called the specific divisions for each account and they verified that the checks both cleared. I had over {$400000.00} available for use, the amounts of the deposits for the 2 checks were over {$170000.00}. Rather than just place a hold on the amounts of the 2 checks, the Bank completely locked me out of my account and has denied me access to the available funds without any valid reason. They stated they locked me out because the originating bank told them they wouldn't be able to verify clearance of the checks until 5 business days and to call back on Friday. So, why not just place a hold on those funds so I can still access my available money? They have yet to provide me with a valid explanation. They stated that their Deposit Account Agreement states they can restrict access or close my account based on a representative list of some of the activities to cause closing or restricting an account : all of the representative list points to fraudulent or suspicious activity or misconduct. There is none of that present, so they are relying on that clause to arbitrarily lock me out of my account. I don't know why they refuse to give me access to my money. And, they stated that they could guarantee that they could release my money and account access even after the bogus hold period on my entire account, not just the funds in question. So, they can not give me a specific time when they will release my money. And, they will not put anything writing because their explanation changes each and every time I call. When I called and spoke to several people at different times at the originating bank, and the 2 divisions, all three state that they are not placing a hold on the funds, it is Goldman Sachs. And, again, why not just place a hold on the amount? Why on the whole account including my available funds? I think Goldman Sachs is trying to steal and keep my money. I have even provided the phone numbers for the 2 divisions and they refuse to call them. I've attached copies of the cleared checks that have been debited from my account.
Product: Money transfer, virtual currency, or money service

This company was very rude and did not assist in expediting my refund in a reasonable manner. Please assist
Product: Credit card or prepaid card

I have been an American Express Serve cardholder for five years without any problems. On XX/XX/2020 {$710.00} was stolen from my account in what Im assuming was a skimming crime. I have never given my pin or card to anyone, never lost my card, and was not negligent in any way. I received text notifications that money was being removed and by the time I could get my card shut off, {$710.00} total was stolen from two XXXX XXXX XXXX XXXX ATMs in XXXX stores across town from me ( I live and was in XXXX CO and the money was stolen in XXXX CO ) I reported to police and have filed multiple disputes with American Express who refuse to give me my money back. Apparently the ATMS had no cameras and I feel this is not my fault- these big banks are not protecting my money without cameras or without honoring my insured funds or fraud protection. I feel extremely victimized and this is not right. Please help.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been a victim of identity theft and as a result DISCOVER has opened a fraud account under my information which was never done by me and now they are trying to hold me reliable for this fraud account. I have a police report for identity theft and have sent it to them and the credit bureaus and they refuse to take it off when by law they have to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX  written consent to access my credit file This is a Violation of the FCRA 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to get Lexis Nexis to remove the security freeze from my XXXX Credit Report. Every single time, they send me a letter, wasting my time. Telling me that they can't read my driver 's License. 

This company is failing to comply with Federal Regulations that mandate that Credit Reporting agencies make it easy for consumers to freeze and unfreeze their reports. 

This is the final straw and the last bit of patience that I have with Lexis Nexis. Quit wasting my time and contact me. I want this report unfrozen and I never want to have to deal with your sorry organization again. 

You've been interfering with my ability to open a savings account with XXXX XXXX  for 2 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two issues that I am having disputing incorrect information on my credit report with Equifax : XXXX XXXX XXXX : 1. A copy of the paid and full letter was sent to Equifax along with the request to remove the inaccurate information from my report. They responded that they verified it was accurate which is not correct. The company sent me the letter directly saying it was paid in full two times now and Equifax refuses to delete the information from my report. They are still reporting a {$40.00} balance which is not accurate. 

XXXX XXXX 2. A copy of the settled in full agreement was sent to Equifax yet they are still reporting a {$440.00} balance which is not accurate. The balance should be XXXX  and the item should be removed from credit reporting. I have again attached the confirmation directly from XXXX  XXXX stating the account is now settled in full. 

Both of these accounts have been successfully removed from XXXX and XXXX after pay off however Equifax has not been compliant in removing the in accurate information. I have attached again here the confirmation of settled in full accounts and the refusal of Equifax to delete the information although it is not accurate.
Product: Vehicle loan or lease

Toyota motor credit did not respect the gap warranty when I got into an accident. They charge insurance more then what I owed at the time leave me with hardly any money. They never respect the service of there oil change I got oil changed they said I would get oil changes until XXXX miles and that didnt happen they cut service before time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of inaccurate credit information from my XXXX  and Equifax credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a Equifax Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my Equifax and XXXX XXXX XXXX profile. 

XXXX  : Factual Data Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Datafacts Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Partners Cre Inquiry from XX/XX/XXXX Equifax : Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Factual Data Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information.

I am also asking for you to remove all fraud alerts that you have on my XXXX  and Equifax. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.