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

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX both have posted on my credit reports that companies XXXX, XXXX, XXXX XXXX XXXX XXXX have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since XXXX I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.
Product: Credit card

I have an account with Synchrony Financial that allows for normal purchases and promotional purchases. I spoke with XXXX XXXX, a customer service representative, and XXXX XXXX, a manager. When speaking with them I was initially refused the a copy an updated credit agreement, and then told that it is the bank 's policy to apply payments to deferred promotional balances prior to non-promotional balances, unless a customer calls to direct a payment. Moreover, I was instructed that it could take up to 30 days for them to provide an updated credit agreement. 

By allowing non-promotional purchases to compound at a high interest rate, I feel the company is taking advantage of consumers everywhere. No where in the monthly statement does it say I should call to direct the payment, but they do routinely send reminders to use the card at other merchants. The non-promotional balance carried an APR of 29.99 % while the promotional balances were deferred if paid in full within the promotional balance. When I asked if the previous payment can applied to the non-promotional, I was informed only future payments can be directed. I am also bothered that a manager told me " what 's the big deal and the amount of interest is less than the deferred interest so not to worry about it. '' If this happened to me, and they affirmed this is standard policy then imagine the damage this company causes to people who really ca n't afford it or does n't understand the effect this practice has on their financial future. The damage would be a product of the number of customers times the number of months it would take pay off all.
Product: Credit card or prepaid card

I over paid the balance on my credit card and asked it to be returned back in XXXX. As of the date of this complaint I still haven't received the money and now think they should pay interest at my current card rate since the time they have said they sent the money owed to me. My last inquiry was in XXXX at which time I was informed again that the check had been sent again. I still haven't received any check and I am tired of being told it was sent. 
They charge interest on my balances so now they should pay me interest on the balance they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report by the same bank multiple times. This was NOT authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed
Product: Money transfer, virtual currency, or money service

I wanted to purchase home cleaning supplies from online store. When I was going to make payment they requested XXXX. I send them 3 payments for 3 purchase and they were saying they did not receive it. I realized this sounded suspicious and I called my bank Citibank right away. They put a claim, but were only able to get 1 payment back and denied the other two. This was very upsetting as I called right away. Please can I get help to get my funds back.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 Opened Account at Binance.US. After completing " Basic Verification '' steps I was allowed to deposit Cryptocurrencies ( digital assets ) and start trading. Over the next few months I transferred approx XXXX dollars worth of digital assets from my XXXX and XXXX accounts into Binance.US and traded for other assets. 

XX/XX/2021 I noticed one of my limit orders didn't execute when it should have. I found that I couldn't execute any trades or withdrawals, my account was locked out. I found that now Binance.US wanted me to complete " Advanced Verification '' steps. 1st step was to take pictures of my drivers license and use facial recognition software to identify myself. I completed step 1 and it was approved. 2nd step was to upload a proof of address document ( bank statement, utility bill, etc ). I downloaded the most recent statements from my service providers and sent them to Binance.US in the requested PDF format ( this was the format I downloaded them as and they were not altered ). I sent a total of 4 documents that complied with the requirements, each was rejected for reasons : " incomplete address '' or " OCR error ''. I filed a support ticket and received an automated response asking to explain problem. 

My response : " I have sent 4 pdf documents that comply with requested standards, all documents have the same address, which is my current address. The address matching system clearly is not functioning properly, as I have found many other people complaining about this problem on internet forums and social media sites. Please help to solve this problem quickly, because I use a short term trading strategy and am loosing money by not being able to change my positions. '' XX/XX/2021 I have received no response to this message and have found no other way to contact them. 

My main source of information on others having similar problems was : XXXX XXXX XXXX/r/BinanceUSclassaction/ Some people have been waiting for over 3 months with nothing but automated responses. Others have been able to complete the step I am working on, only to be asked to do additional ridiculous stunts like take a video of themselves holding a hand written sign stating " Please reactivate my account '' and saying it as well. Binance.US appears to be making a mockery of their customers while they hold their assets hostage. 

XX/XX/2021 My current account balance is approx XXXX dollars worth of cash and digital assets, I'm worried that I might loose a large amount of this if I can't change my positions, or possibly never have access to it again. I'm also worried, if this is how they treat their customers, what might they do with all the personal information I have sent them. 

I have recently learned that a new CEO was appointed, hopefully he will fix these problems, because I really enjoyed using this platform, before I was locked out.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute the accuracy and completeness of information reported by Equifax on my credit report regarding my XXXX XXXX XXXX account ending in XXXX. The account information provided by XXXX XXXX XXXX XXXX  is inaccurate and misleading because the underlying agreement associated with the account is legally unenforceable. This creates a materially inaccurate representation of my financial obligations and affects my creditworthiness. 

The agreement tied to this account contains significant ambiguities and deficiencies that render it invalid under contract law principles. Specifically, it fails to explicitly identify the creditor, define the terms of the offer, and establish the adequacy of consideration, all of which are critical to forming a valid and enforceable contract. Reporting this account as a valid obligation without addressing these legal deficiencies misrepresents my financial position. 

I have attempted to address this issue directly with XXXX XXXX XXXX XXXX, and I have also provided Equifax with evidence supporting my claim that the agreement is unenforceable. However, the inaccurate and incomplete information remains on my credit report.
Product: Debt collection

This is a complaint from my wife and I against National Credit Systems for their failure to provide requested information for alleged debt. National Credit Systems ( NCS ) has been reporting two open accounts against me ( {$3100.00} acct # XXXX & {$500.00} acct # XXXX ) and one for my wife ( {$3100.00} acct # XXXX ) that we do not recognize. NCS sent written notification of debt recovery based on initial 30 day validation on XX/XX/XXXX. On XX/XX/XXXX I responded ( based on legal advise ) with a written request for documentation, including the following : 1. debt amount clarification ( including fees and interest added ) ; 2. Name of creditor owed and notice of assignment or receipt of sale to 3rd party collection ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect this debt in Texas ; 5. Proof of last payment made on the account and any other documentation which tend to show validity. 6. If they do not own the debt I demand they send the request to the original creditor so they are aware. On XX/XX/XXXX I was contacted at my place of employment by NCS 's rep. and I informed them that no calls are acceptable please respond to me in writing. NCS called me at home and I asked for all calls to stop but NCS reps. continued to call my place of employment 2 other times in XX/XX/XXXX following my validation request. I again expressed that they should contact me in writing. On XX/XX/XXXX I reviewed my Credit report and noticed NCS had reported inaccurate information on both of our credit reports before validation. I received mail on XX/XX/XXXX from a old address, of NCS partial response to my XX/XX/XXXX validation request. NCS responded providing partial documents from original creditor and no verification that they own the debt or that it was transferred to them. No verification of break down of debt amount balance or accounting of payments. No proof of NCS license to collect debts in Texas. NCS 's failure to respond to a consumer 's good faith request for documentation makes it impossible for me to make an informed decision regarding alleged debt. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. Also, to have already reported alleged debt to any credit reporting agency or credit bureau, prior to validating the debt violates Fair Credit Reporting Act ( as stated in my XX/XX/XXXX validation request.
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Vehicle loan or lease

I am a business customer with Truist Bank. The branch location I frequent is XXXX XXXX XXXX, XXXX XXXX XXXX. I have had a business account since XXXX. I also have a line of credit ( {$100000.00} ) with a XXXX balance, Personal Account ( over {$100000.00} ) as well as use their payroll services. 

I recently went in the branch to ask and apply for an auto loan. I was met by two representatives. One of them ( XXXX XXXX. ) was there to ensure all paperwork was completed and signed. I was also told that he knew what the underwriters look for and was there to make sure everything was right. I was told everything was right that my business is appreciated and was applauded on how all accounts are in order with nothing ever being due and/or outstanding. I was asked to submit the VIN number once I have the vehicle I want. 

I submitted the VIN number of Monday ( XX/XX/XXXX ). That day I received several emails that he ( XXXX XXXX. ) could not run my credit report because it had a freeze on it. He was right. I took the freeze off. The next day ( XX/XX/XXXX ) he said he still could not run the credit report. I can XXXX to confirm that the freeze had been taken off and that a report could be ran. I was told that a freeze was not on and yes a report could be ran. 

I noticed that I had not received an email from him today ( XXXX, XXXX ) therefore I contacted him. He tells me that he still can not run a credit report and maybe I should try somewhere else. I proceed to call a XXXX XXXX that I have an account with to ask and possibly do an application. Over the phone the representation and I completed the application. I was asked if it was ok to run a credit report. Yes. She ran the credit report right then and told me my XXXX XXXX which is XXXX. 

Trust does not intent on giving me an auto loan and can pull a credit report. I will be moving my business account from them in the future.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Mortgage

I HAVE A LOAN WITH  AN UN KNOW  LENDER AND CHASE BANK IS SERVICING THE LOAN, I WOULD LIKE TO KEEP MY HOME THAT IS CURRENTLY IN FORECLOSURE WITH A EXPECTED SALE DATE OF XX/XX/2015 , IAM REQUESTING HELP IN ORDER TO GET CHASE OR WHO EVER IS HOLDING THIS LOAN TO ALLOW ME TO MODIFY THE LOAN TO A MORE AFFORDABLE PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Transunion/XXXX reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.
Product: Vehicle loan or lease

This is my initial notice that i am requesting Verification of the account and debt. Please send to my address, email, and through this CFPB complaint ; all of the following requested information and documentation within 3 days upon submission of this CFPB complaint ; Certified copy of the Ohio certificate of title, Certified copy of the full lease agreement/contract, dealership papers & dealer copies, certified Ohio department of public safety bureau of motor vehicles temporary tag registration application dealer copy and consumer copy, all and every documentation and information regarding my account & lease. 

I am also asking that you send certified copies of the GAAP Principles & ledgers, All accounting ledgers from start to finish, any insurance forms/documentation, any and all delivery reports, any arbitration agreements, any and all registration election forms, Please also notice that failure to send the above requested information and documentation will severely harm and damage me. 

I am unsure of the account numbers but my name is XXXX XXXX and the last 4 of my social are XXXX and my Identification is attached.
Product: Debt collection

Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.
Product: Credit reporting or other personal consumer reports

Please be sure to review the file below, I would like proof that the following accounts that are reported on my account to be proven as mines. I was able to get an police report confirming that the current accounts are fraudulent and were never opened by me.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX 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

It is a long story but I'll make it short. One of my XXXX XXXX  credit cards was hacked and they got into all 4 of my Citibank accounts. When I discovered this, I called to try to identify the fraudulent charges. I was prevented from doing so because they said they could not verify me online. They had sent me a letter by snail mail and I had to give them the 4 digit code off the letter which I had not yet received. ( You would think with all the personally information they have on me, they could have verified me using numerous criteria. They are using extremely arcade methods. ) Once I got the letter, I called back, but was told had sent a second letter by snail mail and I had to wait for that one. In the meantime, the hacker went crazy. Over the course of about 6 or to 8 phone calls I finally got it resolved, I thought. You should know on the very first phone call, I told them to close ALL of my city accounts and do not issue any new cards. They did not listen ; they sent a replacement card to the hackers address in Florida ; I live in Texas. Why would they do that? The hackers continued to rack up charges. I finally went in and put a freeze on my accounts with the 3 credit bureaus. About {$500.00} of the bill was mine ( and has been paid ) ; but over {$12000.00} was not. I thought it was resolved, but then CitiBank reported {$12000.00} that I owed them to 2 of the 3 credit bureaus. I have disputed each of these. I told them at the time, their responses were too slow, the hackers were too advanced and quicker, and this was on them because I told them to close all my accounts on the first phone call. I have initiated about 10 or 12 phone calls, sent 4 total with 2 being registered letters, and I have received NO CONTACT from them. I think they have been extremely negligent with this, and are now trying to stick me with their mistake. I tried very hard in good faith, to work with them from the very beginning. I got a little to no cooperation from them. In fact I got a lot of runaround. I have logs of all of my phone calls and documents for my letters. I want this issue resolved once for all! I want this fraudulent CitiBank charge taken off my credit record. That is all I desire.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 The following account was verified as accurate EXETER FINANCE LLC. Please provide the method of verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/2023. I Never receive a XXXX, a car or anything from them .and the same with XXXX XXXX XXXX XXXX XXXX 
Definitely XX/XX/2023 I never received anything from Them either.onemain finance XXXX XXXX, XXXX  XXXX, XXXX, I never received anything from them or gave them people consent to do anything to my for me and it's one collection that already been paid and the still trying to collect my name is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX is my address and thing else is false. 15 U.S.C 6801-6802, I NEED THESE 5 HARD INQ REMOVED XXXX  NOT XXXX  XXXX
Product: Credit reporting or other personal consumer reports

i sent all 3 CRA 's demand letters requesting the inaccurate and incomplete items be deleted from my credit report.15 usc 1681eb states that all information has to be 100 % accurate and complete before posting. 
I am requesting the following accounts be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX