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

On the weekend of XX/XX/2021 I deposited about {$500.00} into Binance.US 's app to purchase and trade XXXX. So far, I have made almost 200-300 % profit.. yet when I attempted to withdraw my money or XXXX, send it to another XXXX XXXX  exchange for another coin on their platform ... my trading shows up as blocked " due to risk management. '' According to their responses to others on their XXXX XXXX this usually happens in the case of suspicious activity on the account.. however, not only have I completed their advanced verification process that took about a week, I also had never used their platform before this. So I don't understand how my account would be suspicious. 

As of today, my trading has remained blocked for about 2-3 weeks and my XXXX is still in their app and I can not move it out. 

I posted my issue twice to their XXXX Others got their issue addressed within the same day, yet I have had no one get back to me after going through their support email and their company 's XXXX page. It's almost been a month.
Product: Vehicle loan or lease

After I was released from XXXX XXXX I went to XXXX XXXX XXXX, Texas purchase a XXXX XXXX 2020 used car today the interest rate is XXXX XXXX XXXXeel like since I was in need of a car the dealership took advantage of me a new XXXX is cheaper than this used car I have the average price today for a 2020 XXXX XXXX is around XXXX Can someone please help my situation with CXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX pulled all three of my Credit reports and I discovered that I am a victim of Identity theft due to the fact that I have XXXX unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my Credit report. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my Credit report file. Please send the above information to each Vendor so that they can remove the item from my Credit File. I can send you a copy of the Police Report and List all of the Items that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, The List of accounts has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report. 

Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. 

The list of accounts below has violated my federally protected consumer rights.

The Credit bureaus stated my account was properly reported and investigated but how is that possible if the open date is inaccurate, the last active is inaccurate, payment dates are not correct, and the last reporting date is not accurate. This ground for removal they also violated my rights under :

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted accurate paperwork to the credit bureaus XXXX, Equifax and XXXX concerning the reporting on my credit report with the company XXXX XXXX. The company had been reporting for several years since XXXX that I was in possession of a vehicle leased from them and owed {$8000.00}. I submitted a dispute with CFPB and the results of the complaint was to close the account and cease reporting to the bureau. The initial response from XXXX XXXX to my first dispute to CFPB alleged that the account was opened in XX/XX/XXXX and not one payment was made. The statue of limitations for accounts on credit reports is 7 years from the moment the account goes delinquent. The credit report that the bureau XXXX, XXXX and Equifax had showed the account as having four positive payments towards the vehicle. As of today the account is showing no reporting history from XXXX at all. With the bureau showing the wrong dates on this account, I would be forced to unwillingly wait additional time to have this account fall from my report. This is a clear violation of reporting on their behalf. And according to the FCRA, consumer reporting agencies must, correct, verify or delete inaccurate information once disputed. I have tried to communicate with all three bureaus about this issue and to no avail. Please reference complaint with the ID # XXXX and cross reference. I am submitting a photo copy of the report from XXXX from XXXX and the same account with XXXX XXXX in XXXX.
Product: Debt collection

This is notice that fraudulent accounts resulting in incorrect information is on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 conviction 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 a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

From approximately XX/XX/year> to XX/XX/year>, NFCU released funds from my accounts totaling $ XXXX to third-party groups. The response from NFCU was you must have given someone access to your funds in order for them to get into your accounts ; I have not been reimbursed my money and I am aware that the particular NFCU branch that I deal with has been compromised by a security breach involving $ XXXX of funds of which NFCU has not yet redistributed to its account holders! The NFCU officials have claimed to have conducted an investigation but I do not trust their statements!
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : FCRA violations : XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, LA, XXXX They forgot to put good trade-lines history but remembered the bad ones! 
FCRA violations : see attachments for all the evidence you'll ever need see here also : 1 ). 
XXXX XXXX {$0.00} Closed Unknown payment history 2 ) XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX 3 ) .XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} more mistakes no banks or credit union lends to someone that didnt pay them so this has to be a mistake looks at the date : SEE attachments
Product: Credit reporting

I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/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. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, Online Information Service Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account 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 year 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

I paid off XXXX XXXX on XX/XX/2022 which should reflect a {$0.00} balance and closed however Equifax is still showing a balance and the account is incorrectly reporting to my credit profile.
Product: Credit card or prepaid card

I purchased a purse on line from XX/XX/XXXX. The date was around the last week of XXXX. I used my B of A card ( debit card ) for this transaction. 
The transaction showed on my statement as a pending charge ( 3 ) times when I only purchased and received ONE purse. 

I called B of A and was told ( 1 ) one charge was coming off the other would be investigated. They asked for documentation and I provided the documentation TWICE. They only respond via regular mail. The letter does not include a phone number nor email for the B of A dept handling the dispute or investigation. There is a fax number only. I am XXXX yrs old. I do not have access to a fax. I have had to travel out of my home TWICE to the post office and ONCE to my local B of A branch. During COVID this is a risk for me as I suffer from XXXX. 

This PENDING charge on my debit card reduces my available funds and I am on a fixed income. 

B of A has responded and issued a " temporary '' release of the funds and has requested documentation AGAIN. I don't know what else they need. I have documentation from XXXX that they only billed me ONCE. 

I can not afford to keep going in circles with B of A. The department writing the letter hides behind the letter with no phone, extension and or email. There is not even a representatives name. I have documentation that EVERY time I reach out to B of A I am speaking to someone new/different. THIS WILL NEVER BE RESOLVED. 
I can not afford to lose money at my age and I can not keep venturing out of the house during time of COVID. 

Please help me. If a representative from your office reaches out I prefer XX/XX/XXXX speaking. I am XX/XX/XXXX but am most comfortable in XXXX. - I requested help in filing this complain in English.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft I contacted the credit agency such as TransUnion, XXXX, XXXX via Certified Mail that I had inquiry on my credit fraudulent providing them with a police report of the incident stateing my California Driver license including my Social Security Card TransUnion stated that there was nothing they could do that I had to notify each inquiry on my credit that I was a victim of identity theft and ask for a letter stating I did not inquiry about there agency so I did I was told they don't do that and I just had to wait tell they drop off so I contacted TransUnion again upon my information I was given the same story I stated to them again that they have a report stating im a victim of identity and im asking the inquiry be removed they said no can do I have hard inquiry for Airlines credit I have never been out this State.. please help
Product: Mortgage

I fell behind my mortgage payments in XX/XX/XXXX, my job had decreased everyone 's pay due to the market dropping in my industry. In XX/XX/XXXX I submitted an application for forbearance or loan modification from Dovenmuehle Mortgage. They provided the packet and we filled out all of the paperwork. Their loss mitigation department would take XXXX business days to update our file, and at that point I would have a new paystub that needed to be uploaded. This went on for about XXXX months, me submitting the information required, and them taking XXXX business days to process my documents, only to turn around and tell me that my application was incomplete because I was missing my most recent pay stub. I spoke with a manager in the company, could never get in contact with Loss Mitigation management, and they explained that paystubs do not hold back a packet from processing, that someone doing the application on the inside would have to be holding the packet from getting submitted for other reasons. They confirmed that there was nothing else needed, and that all my information was submitted, but they were unable to process the application because they were not in Loss Mitigation. We contacted the VA for assistance and they speculated that since our property had doubled in value since purchase, it was possible that the bank was waiting for the 6 month mark to be able to foreclose on us. During this time we accrued a tremendous amount of late fees and stress. We have since caught up with payments and taken care of all missed debt on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my data.
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus.

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft. 

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score. 

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate.

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.
Product: Debt collection

NORDSTROMTDBANKUSA Has a reported balance of {$650.00} on a closed account as of XXXX XXXX, 2019. It has not been verifiable. It has also been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX BalanceOwed : {$5200.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balance {$360000.00} ; XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX Balance {$360000.00}.
Product: Credit reporting

Please be advised that all Responses can or will be use in a Federal Court. 
1. Dispute all unauthorized accounts. 
2. Asked TransUnion for all the documents they use to determine that all accounts were verified the still refuse. 
3. If they are going to Discredited my name I need physical verification with my wet ink pen Signature. 
4. This is my last are I will be seeking ligation.