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

I signed up for a crypto account with Binance.US, transferred about $ XXXX crypto coins to the account on XX/XX/21 from another crypto exchange wallet and began trading. I deposited {$760.00} and then another {$10.00} from my bank account on XX/XX/21 to purchase additional assets. I made a final deposit of {$600.00} from my bank and purchased more crypto on XX/XX/21. I received an email on XX/XX/21 stating that the {$600.00} deposit had failed. Im still unsure why my bank declined the transaction, but thats a separate issue. The issue here is that my entire account has been locked into those crypto coins I had purchased on XX/XX/21 with now way to close my position. This is not just the crypto purchased with the failed {$600.00} deposit, its the whole account. I only deposited {$1300.00} from my bank, but Binance.US has locked the whole $ XXXX in total deposits including the crypto I transferred from XXXX and XXXX accounts to my Binance.US wallet as well. That money has nothing to do with the {$600.00} deposit in question. My account has since fallen from a peak of about $ XXXX to less than my initial $ XXXX investment in the 4 weeks my account has been locked and there is nothing I can do. Trouble ticket has been in for 4 weeks with no response. ( They tell you following up on trouble tickets automatically move you to the end of the line ) XXXX and DMs to the Binance.US Support account have gone unanswered and instead of offering support, the official Binance.US XXXX account blocked me and reported me as spam ( temporary locking my twitter account ) as retribution repeatedly asking for support on their page. I am not the inly person they blocked for this. Binance.US does not appear to be able to fulfill the support obligations that come with accepting and holding a customers money, and they are forcing losses on customers because of their inability to answer/resolve support tickets. Even worse, they dont seem to care that their action are costing customers a great deal of money. This is not the action of a legitimate company. At this point I have to conclude that they are a scam. They are not only willfully refusing to employee enough people to meet support obligations, in blocking my ability to publicly ask them for assistance on their XXXX page they are deliberately choosing to ignore my please and force losses on my account instead of helping resolve the issue. This company should not be allowed to handle money in the United States.
Product: Credit card

In early XXXX  I opened up a Sams Club CC which is issued by and administered by Synchrony bank. My card was used to fuel my XXXX  and when the payment was made the payment was made for XXXX too little. I saw the error and contacted Synchrony and was told that the issue was resolved by credits being issued to my account. This was never done. Due to being away and ill it was not until XXXX that during a mortgage refinance that my mortgage broker discovered that my credit report showed the account as delinquent. I again called Synchrony this time asking to speak to a supervisor. Calls are recorded so I thought that that would help. No such luck. I stayed on the phone while the advisor one by one reversed the charges. However they were called writeoffs or similar which impacted my credit score. I spent 25 years in the XXXX XXXX XXXX and this incompetence harmed me greatly. My credit score had always been north of XXXX and typically in the XXXX range or better. A XXXX point drop is unacceptable. As a XXXX person I rely on credit, apps, phones and the internet to be my lifeline to the outside world. I previously filed a complaint with the CFPB and XXXX XXXX called me from Synchrony Bank. I did return the call but never heard back. I have since called twice but never heard back. I also called Synchrony Bank as well as Sams club numerous times to get this issue resolved. Not one person has taken ownership nor has shown the inclination, courtesy, compassion or kindness to help me. Due to this discrimination I am unable to secure credit at stores where Synchrony owns the credit business thus costing me money by preventing me from taking advantage of discounts, 0 % interest offers etc. Synchrony Bank needs to be held accountable.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance fo

r a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

I purchased two XXXX  gift cards, each for {$500.00} serviced by Incomm. In XXXX, in response to elevated fraud rates, Incomm instituted new security measures. One " feature '' of this system, is that if more than three of these cards are used at the same location in a short time period, across all customers, Incomm will block the transaction. Then the cards are blocked and not able to be used and a replacement card must be issued. 

The card serial numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I am writing to request that you delete these unauthorized and unverified items immediately, within 4 days upon receipt of this correspondence. I have continuously request that the credit bureaus provide me an original contract with my signature stating that I have gave them permission to furnish a consumer report with my consent. The credit bureaus fail to do so, so I was forced to file a police report due to fraudulent activity by my FCRA rights being violated under 15 USC 1681 ( B ) when a consumer report was furnished without my consent. And if these items aren't deleted and blocked immediately, I will be forced to contact my attorney to pursue with federal charges. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block this fraudulent information per sections 605B, 615 ( F ) and 623 ( A ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the Following Fraudulent accounts be deleted and blocked from my credit file : XXXX  # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance XX/XX/2016. A consumer credit transaction in which a finances charge was involved. 15 USC Defines a finance charge as the sum of all charges in a consumer credit transaction. Hyundai Finance made me purchase my insurance separately and has violated laws including but not limited to 15 USC 1681a ( d ) 2 ( A ) ( i ) sharing this account with creditors, This debt was never validated according to 15 USC 1692g. Hyundai Finance is also using misleading information to try and confuse me saying that the FDCPA doesn't apply to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 contacted Discover Card and wanted to offer them a settlment payment to once and for all clear my debt. I have been paying this card for years, and the balance never goes down. I have no credit available and it is not an open card. 

Due to Covid 19, I had hardship problems. My mother is sick and I must leave overseas for an undetermined amount of time. I want to settle this credit card to a XXXX balance. When I called the comical hardship department, their biggest help was to offer two months no interest. 

This woman would not transfer me to the settlment department. This woman just kept saying they do not have such a thing, where everything else online states that it does. 

Would they prefer that I pay them XXXX? i RECEIVED NO HELP from them This occurred today on XXXX XXXX 2022. Telephone XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX. XX/XX/2022 - Checking account opened with Bank of America XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - {$30000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - Bank of America closed my account and specified that the account balance will be sent by check to me XXXX. XX/XX/2022 - Bank of America said that they have frozen the funds, and refused to release them XXXX. XX/XX/2022 - I visited Bank of America XXXX XXXX IL branch and showed all the documents to the branch manager XXXX. XX/XX/2022 - I submitted a complaint to CFPB in order to recover my funds XXXX. XX/XX/2022 - Bank of America submitted a response to my CFPB complaint - however, my issues remain unresolved XXXX. XX/XX/2022 - I talked to XXXX XXXX XXXX and informed them about Bank of America 's instruction to recall funds. They are unable to recall funds. 
XXXX. XX/XX/2022 - I visited XXXXXXXX XXXX XXXXXXXX branch and showed them Bank of America 's instructions. Despite 90 minutes of discussion with Bank of America XXXX and managers, they were unable to initiate the recall process. 
XXXX. XX/XX/2022 - I tried to contact Bank of America Regulatory Complaints manager in the morning as well as afternoon but was unable to reach her XXXX. XX/XX/2022 - I still have not received my money ( {$50000.00} ), and have to file a new complaint
Product: Credit reporting or other personal consumer reports

XXXX INQUIRY DATE XX/XX/XXXX CAPITAL ONE. INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX CAPITAL ONE. INQUIRY DATE XX/XX/XXXX These are not my inquiries these are not recognized or acclaimed by me. I request they be removed and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a car loan with XXXX XXXX XXXX XXXX in XXXX XXXX XXXX and found fraudelent activity on our experian credit report regarding XXXX for {$4200.00}. We went online to experian and online they told us to file a complaint online which we did. I got a copy of my credit report and it had a partial number so I called XXXX ( which we have our cell phones with XXXX but are current and have never had a problem ), I called XXXX and explained our situation and spent 3 hours on the phone with several different associates, including their fraud department. Thru my social security number they have no outstanding anything, only show our cell phone service. They told us to call back experian and get a full account number not a partial that is on my experian credit report. We have tried and tried multiple times to call experian and we can not get thru to a customer service agent. We need actual full account numbers to call XXXX. It says on a recording that you have to file a a dispute online, ( which we did ) and that we are unable to speak to a customer service agent. It says to call the number on the credit dispute which we did but it still takes you to their main number and will not let you speak to anyone. We got a letter that XXXX investigated and will be reporting to experian until XX/XX/XXXX. We filed an additional claim, and we just got another dispute result from experian and now there is another claim from XXXX for XXXX XXXX XXXX which I have never had in the amount of {$1900.00}. 
We need to speak with customer service at experian and get the full account numbers and to dispute this fraud. I put a fraud alert and block on my experian account so nobody could add anything additional in my name without my permission which how could this XXXX be added.
Product: Debt collection

The debt collector company ( Reliant Solutions ) contacted my family via text with my information and file number without my authorization. I did not have the file information myself prior to this and was the only way I had written proof of who the debt collector was and what file number I needed to check in on what I owed. Furthermore, I have gotten spam calls with no voice messages identifying the name of the collection agency ; just this is a debt collector. That is not sufficient for me to safely return calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX