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

I mailed Experian a " method of verification '' letter via certified mail on XX/XX/ requesting information relating to how Experian verified that the XXXX account is reporting accurately. According to the USPS tracking number for the certified mail, XXXX, the letter was picked up by a representative from Experian on XXXX XXXX XXXX I received an email from Experian acknowledging that they received the document but they were not sure if it was sent by me or authorized by me so they stated they would not process the document. That is Experian 's typical stall tactic. They always send me an email of that nature for every document I mail out to them even though every document includes a picture copy of my Drivers ' license, social security card and cell phone bill for proof of address. I contacted an agent from Experian using the number provided in the email. I told the agent that I mailed out the document. The agent stated that she could not locate the method of verification letter. Which is not possible because I received an email from Experian acknowledging receipt of the document. I told the agent the document was picked up by a representative from Experian according to the tracking number and to process the method of verification letter. As of today, XXXX I have not received any response from Experian at all. It has been beyond 30 days since Experian received the method of verification letter! Thus, I am submitting this complaint along with the failure to respond letter. I have attached the method of verification letter, the failure to respond letter, and information regarding the USPS tracking number for the delivery of the letter. Under federal law ( 15 U.S. Code 1681i ), Experian had 30 days to complete the investigation from the date Experian received my method of verification letter. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The XXXX account now must be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

I first contacted Binance.US via email XX/XX/21 because they disabled my account stating I have a returned deposit that was used in a crypto transaction, leaving your account with an unpaid balance I indeed had more than XXXX in my account at that time and also tried to deposit USD into my account but Binance.US had a hold on my account preventing me from doing so. I contacted them via email for 2 months regarding matter but no resolution. I received an email from Binance.US stating that they took the unpaid balance from my wallet but I still have can not access my account. I contacted them again regarding matter and they said I am not in an authorized state. I have not been able to trade or withdraw my money since. When I go to an authorized state I still dont have access to my account, when I try to trade or withdraw my money I get an error message from Binance.US stating account disabled, withdrawals disabled I contacted Binance.US again XX/XX/21 via and the replied with verify your identity I responded backed with a picture of my state drivers license and specific account information. I have not received a response or resolution. I again contacted Binance.US on XX/XX/21 and everyday thereafter stating I need their help withdrawing my money and deleting my account. Binance.US have replied each time stating your ticket have been updated but as of today I still can not trade, withdraw or delete my account. Its like this company is deliberately holding my money hostage and I have no access. Please help!
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 furnishes, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I 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: Checking or savings account

Reason for dispute was I canceled the subscription for the amount of XXXX the date of the dispute is XXXX XXXX rocket lawyer is the merchant name XX/XX/XXXX was the transaction datE. Since then I have requested to speak with a manager numerous times to only be told they can only escalate via email. 4 times I have been told my case will be escalated via email with no response other then my case is denied with no further information.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, INNOVIS, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a XXXX from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of XXXX I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting or other personal consumer reports

I did not authorized anyone to get accounts in my name. These are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. XXXXi ( XXXX ) Notice of Results of Reinvestigation. I demand you comply. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. XXXXi ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
The items below should all be removed from my consumer report under 15 US Code XXXXi ( XXXX ) as it has been over 45 days and you failed to comply. 


ALDOUS - Under 15 U.S. Code XXXXe ( b ) and 15 U.S. Code XXXXi ( XXXX ) this account in violation not reporting 100 % accurate. - As a consumer by law this account must be DELETED immediately. 

Under 15 US Code XXXXn ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for CFPB.
Product: Credit card

For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.
Product: Debt collection

Sunrise Credit Services , Inc . 

They hit my credit and when I called to rectify the situation, I was bamboozled into giving them my personal information. 

I dont know any debt to XXXX XXXX. The debt is not mine that they are claiming. 

Im not the only one. Please review their XXXX reviews. Many victims. Please shut this company down.
Product: Debt collection

I am XXXX XXXXXXXX and have applied for Social Security XXXX with input from my physician. 

I am unable to pay my American Express Credit Card because of my unemployment and that Im waiting on a XXXX decision. 

I received a collection call from American Express and advised the representative of my situation and immediately requested a Cease and Desist for all calls and e-mail communication. I requested that I only be contacted by mail. 

My C & D request required that I be placed on hold multiple times and transferred to multiple agents over a span of 27 Minutes! Near the 27 minute mark I was told that my C & D had been a

pplied to my phone numbers but I would need to be placed on hold again so another department could be contacted to C & D my email address. I could not wait on the phone any longer. American Express has implemented a Cease and Desist process that is unduly burdensome because no other company I have worked for or been a customer of has ever taken even just half the time that American Express took, and when I hung up my C & D request still had not been fully completed to include my email address. 
I demand that American Express cease all communications with me, and I believe their C & D process should be reviewed by the CFPB due to it being structured in a manner which requires lengthy phone calls which are unduly burdensome as demonstrated by my inability to stay on the phone for more than 30 minutes - not to mention the stress of that situation. 

I believe American Express has designed this process to be unduly burdensome to reduce the number of Cease and Desists that it actually completed due to customers getting frustrated and hanging up. 

Ive included a screenshot showing my XXXX minute call with their collections phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked why was these account 's showing up on my report and the credit reporting agency told me that i had applied for credit. I have not applied for credit at these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX US SMALL BUSINESS ADMINISTRATION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC purchased my account from XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX. The balance was {$780.00}. They reported this collection to the credit bureaus in XXXX of XXXX. It dropped the score from one agency 78 points, and 28 points for another. I contacted LVNV on XX/XX/XXXX, we settled for a lesser amount. I had been working hard to pay my credit collection debts in XXXX and XXXX of XXXX, with positive results. This raised my credit scores to XXXX for XXXX, and XXXX with XXXX. Since LVNV purchased my account in XXXX of XXXX, should've they contacted me before turning this debt over to the reporting agencies? 
I contacted them today XX/XX/XXXX. They told me they did not have to contact me after purchasing this account since it was a charge off. However they did confirm a verification of payment is being sent in the mail as of XX/XX/XXXX. Were they supposed to contact me before hand? If so, since the debt is settled, can this be deleted from my history, and can my previous credit score be reinstated? Please advise.
Product: Mortgage

Flagstar Bank, # XXXX On XX/XX/year>XXXX XXXX XXXX was changed from XXXX to XXXX, XXXX  reduced from approx. XXXX to XXXX, ( difference of approx. XXXX reduction in monthly payment ). 

XXXX phone call on the XXXX of XXXX to facilitate the correction of escrow and monthly payment. XXXX more subsequent CHAT sessions with Flagstar regarding the non-existent change in the monthly payment amount. 

Paid up front half of the payment on the XXXX and remainder was paid on XXXX of XXXX, XX/XX/XXXX escrow has not changed nor the monthly payment. 

Flagstar is fraudulently holding my money depriving me of control of my money to which I have stocks ( performing at 56 % ) and XXXX 's ( performing at 33 % ) that could be flushed with an additional XXXX  monthly created by the appropriate reduction in monthly payment now held knowingly by Flagstar Bank.
Product: Checking or savings account

I was subjected to being a victim of bank fraud totaling {$2100.00} and my bank ( Wells Fargo ) has done nothing to help me. On XX/XX/XXXX I woke up and decided to check my online bank accounts and found 3 transactions from XXXX XXXX XXXX on my business account that I definitely did not authorize. The first one was on XX/XX/XXXX for {$540.00} the second was on XX/XX/XXXX for {$200.00} the third was on XX/XX/XXXX for {$840.00}. I figured that this was an easy fix, so I just called my trusted bank that I've been with for over 7 years and they can take care of my issues. They told me I need to file a claim and that they would stop all transactions from the business that was trying to take my money. 10 days go by and I still haven't heard back from Wells Fargo. On XX/XX/XXXX I checked my online accounts once more and now noticed another transaction from XXXX XXXX XXXX for {$570.00}, this time it's from my personal account and it is still pending. I immediately called my bank again and told them my situation from days before and that I did not authorize this transaction. So I had to file another claim and stop payment on the same business that I previously filed a claim on with my business account. The bank said they were able to reimburse me for that transaction because it was still pending. Now I'm fully aware that I have succumbed to fraud and they somehow have both accounts. So I change my online bank username and password, then order new cards for all my bank accounts. I now have to monitor all my accounts every day because Wells Fargo can't seem to do that. On XX/XX/XXXX I get a letter from Wells Fargo stating that " we're not able to reimburse you because too much time has passed '' Days go by and Wells Fargo has not tried to contact me I'm kinda just in limbo and have not been reimbursed my money that was stolen. I now have been calling the bank every day to check the status of my claims and after hours of being on hold, they still have nothing to say. I then schedule an appointment with a bank professional on XX/XX/XXXX and go in for a 2hr meeting trying to resolve this issue with my bank. I figured this was the best way for me to get answers and refund the money that was stolen from me. Turns out I was wrong, the banker goes on to say that it was an ACH transaction and there is no way possible for me to get my money back. The Banker agrees that it is most definitely fraud and that XXXX XXXX XXXX was still trying to take money out of my account but because I have a stop payment on there will be no issues. Now it's XX/XX/XXXX and have not been reimbursed for the money or have heard anything from Wells Fargo. I've been calling the executive office and left several messages for them to call me and still nothing. Everyone that I have talked to from the bank told me that it is obviously fraud. I'm afraid to deposit money into my bank knowing that Wells Fargo will not monitor my account appropriately. It is very disheartening to know that a bank that I've been with for over 7 years can do that to me.