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

On XXXX XXXX I initiated a transfer of my XXXX XXXX ( XXXX ) tokens worth $ XXXX to be sent from my Binance.us heium wallet to my Binance.us Helium wallet. It was an accident I that used my Binance wallet address instead of my private wallet. 

The tokens did not go anywhere on the blockchain because it was already in the location it was being sent to so no transfer took place. The tokens did not move but binance 's system has them locked as " proccessing '' for some reason I don't understand because it is on their end. 

I created a ticket ( XXXX ) on the same day. They have not responded in any way and meanwhile the market is undergoing drastic fluctuations and I have no access to the money. So far I have lost $ XXXX during this time because they will not respond to me and allow me access to my property to trade out. 

This is the XXXX : XXXX on the XXXX XXXX. As you can see if you check it, there isn't a transaction that matches this because it never happened. However this is the XXXX that Binance has under the transaction. 

I found a way to get their attention on twitter and they said " we are escalating this ticket to be worked on ''. This is ticket # XXXX. 

XXXX ( Binance.US ) Sent me an Email later that day ( XX/XX/2021, XXXX PD ). asking for the XXXX of the transfer and the date it was intitiated. I responded within minutes and now have been waiting another 3 days with no response from them whatsoever. Their team is completely ignoring me on twitter now as well as many others. I have no faith that they will do anything to solve my issue within the next few months because I have seen many others that have been waiting that long on twitter BEGGING them to help. 

This company needs to be shut down and not allowed to custody money of US citizens because they present themselves as a reputable company but are simply holding the funds that equal into the XXXX of millions of dollars hostage from what I can tell. Please make them unlock my funds so that I can never deal with them ever again and move on. 

Thank you so much for your time XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I have a debt that started at {$8800.00} 14 months ago. I am not late on payments as far as I know and have paid {$300.00} per mo. every month, for a total of {$4200.00}. They still have the balance at over {$5600.00}. They ca n't seem to give me any straight answers as to where the money is being applied, or a fee structure that would account for the missing money. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureau on XX/XX/XXXX  regarding an alleged late payment in XX/XX/XXXX  on my auto loans with XXXX XXXX. The dispute was sent via certified mail along with the return receipt. I have included the receipt on the date it was mailed and the tracking information that indicates when it was received. The credit bureau failed to respond or reply and it has now been over 90 days. I have proof beyond even a reasonable doubt and certainly a preponderance of the evidence that the documents were sent and the credit bureau failed to timely reply. The XXXX XXXX loan numbers are listed below : XXXX XXXX
Product: Checking or savings account

At the maturity date of a XXXX CD, USAA is not allowing me to close the account without paying a penalty. USAA automatically re-enrolled the CD amount in another XXXX CD without confirmation from me and without there being a method in the USAA app to close the account. The bank representative noted that they sent me correspondence on XXXX XXXX. That date was three days before the end of the grace period and was the Friday before the XXXX XXXX weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter 41. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that need to be removed from my equifax report. They have already been removed from my XXXX and XXXX reports. 

Here are the inquiries Equifax Mortgage Ser - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc report attached I am a victim of identity theft, the information, superficially on my Experian Credit Report ; there are 4 fraudulent hard inquires, which appears on my Experian inquiries, does not relate to any transactions that I have made. It is a result of identity theft. these fraudulent hard inquiries are not mine and must be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first apartment I'm currently living at. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my credit.
Product: Vehicle loan or lease

THE BANK FINANCE MY CAR THAT WAS OVERVALUED AND FAIL TO CHECK THE REPORT FOR THE CAR. 
AND ADITIONAL, THE BANK DENIED A REFINANCE APPLCATION BECAUSE THE CAR IS NOW DEVALUATE OVER 50 % IN JUST TWO YEARS
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inconsistencies on the credit report for the XXXX account : Upon comparing the credit report data from the three credit bureaus for Account # XXXX, the following inconsistencies can be observed : Account Type - Detail : TransUnion and XXXX both report the account as a " Credit Card '' whereas XXXX leaves the field blank. 
XXXX XXXX : All three credit bureaus report the bureau code as " XXXX. '' No. of Months ( terms ) : TransUnion reports the number of months as " 0 '' whereas XXXX reports " 1 '' and XXXX leaves the field blank. 
XXXX XXXX : All three credit bureaus report a credit limit of " {$0.00}. '' Payment Status : All three credit bureaus report the payment status as " Collection/Chargeoff. '' Last Reported : XXXX and XXXX report the same date of last reporting ( " XX/XX/XXXX '' ) whereas TransUnion reports a date XXXX day later ( " XX/XX/XXXX '' ). 
Comments : TransUnion and XXXX report that the account has been charged off as bad debt, whereas XXXX does not include this comment. 
XXXX reports that the account was canceled by the credit grantor, whereas TransUnion and XXXX do not include this comment. 
XXXX reports that the account was closed due to inactivity, whereas TransUnion and XXXX do not include this comment. 
TransUnion reports that the unpaid balance was reported as a loss by the credit grantor, whereas XXXX and XXXX do not include this comment. 
All three credit bureaus report that the account has been charged off. 
XXXX Payment History : TransUnion does not include any payment history. 
XXXX reports the following derogatory remarks : " CO '' ( charge off ) for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, " 150 '' for XX/XX/XXXX, " 120 '' for XXXX and XX/XX/XXXX, " 90 '' for XX/XX/XXXX, " 60 '' for XX/XX/XXXX, and " 30 '' for XX/XX/XXXX. All other months are reported as " OK. '' XXXX XXXX " OK '' for all months except for " 120 '' for XXXX and XX/XX/XXXX, and " 90 '' for XXXX, XXXX, and XX/XX/XXXX. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ) : Section XXXX : This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the XXXX account violate this section by presenting conflicting information across the three reports. 

Section 1681i : This section requires that credit reporting agencies investigate disputed information and correct any errors within a reasonable time frame. If the consumer disputes any of the inconsistencies in the XXXX account, the credit reporting agencies must investigate and correct the errors if necessary. 

Section 1681g : This section requires that credit reporting agencies provide accurate and complete disclosure of all information in a consumer 's credit report. The inconsistencies in the XXXX account violate this section by presenting incomplete and inaccurate information across the three reports.
Product: Bank account or service

I became aware that my identity was stolen in XXXX 2016. There have been several inquiries into my credit report since that time for items I did not apply for. I have been able to contact most of the companies to have the inquiries removed. Santander Bank has not returned my calls to discuss the false application or confirm that the inquiry will be removed. I have not received a written notice that they will remove the inquiry. Santander Bank made the inquiry on XXXX XXXX, 2016.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XXXX/XXXX/2020
Product: Credit reporting

I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several thousand people. I am attaching a copy of a letter from XXXX Bank which outlines the date breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following addresses do not belong to me. I have never lived at the following addresses and in some instances the addresses are not even a real United States home address. In other instances they are addresses in states I never lived in. Chex Systems has refused to honor my request to remove these fraudulent addresses from my credit file. The addressed listed make me much more vunerable to identity theft and they lower my Chex Systems credit score. The addresses I am disputing are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 Many of these addresses I have XXXX and found belong to apartment complexes. Some have different apartment numbers at the same complex. That should be an obvious sign that this is fraud is not me that has done this. Also Chex Systems currently has several versions of my current address which in some cases list my apartment number and in some cases does not. This also makes me more vulnerable to identity theft as mail could be sent to the general apartment complex building and not to my specific apartment. I am also requesting that all versions of my current address be updated to reflect the correct address which is : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I found out that my credit cards were being closed. I called the Chase Executive Office who confirmed that just my personal credit cards were being shut down. However, I received a letter on XX/XX/XXXX stating that my Checking Account and my Savings Account were also being closed. There was no explanation given. Only instructions on what to do before XX/XX/XXXX when Chase is going to  shut the accounts down on their own. I called the Executive Office back and received no information as to why my accounts were being closed. I then went into the Chase Branch on XXXX  XXXX XXXX  XXXX XXXX in XXXX NY and asked for an explanation as to why my accounts were being closed and again I received no explanation. 

I have had a checking and a savings account with Chase since XX/XX/XXXX. I have had direct deposits into my checking account and have never had a bounced check, returned check, etc. I, almost always, kept a minimum of {$5000.00} in my checking account and {$24000.00} in my savings account. I would like an explanation as to why my checking and savings accounts were closed without any warning.
Product: Student loan

I inquired about the application with XXXX in XX/XX/XXXX. I received a response from XXXX on XX/XX/XXXX and then was sent the application by XXXX on XX/XX/XXXX. I sent my first discharge application in XX/XX/XXXX, I received denied in XX/XX/XXXX. The denial letter stated " A variety of factors are considered in determiningwhether a private loanshould be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. '' I called for further information and was told the same thing, was not given specific information. On XX/XX/XXXX, I sent an appeal with all the documentation I sent in the first application along with 80+ pages of further documentation and an appeal letter, this appeal had to be sent through Mohela since they are now my servicer, even though XXXX still owns my loans. On XX/XX/XXXX I received another denial letter, stating the exact same thing as the first, with no specific information as to why I was denied.
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 XXXX Balance : {$880.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to disputes that were sent under complaints XXXX XXXX  XXXX XXXX XXXX Equifax As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and Equifax. XXXX requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX  and Equifax stated on XX/XX/XXXX that they were putting these items under investigation and XXXX stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Caliber Home Loans about amending the credit reporting to our XXXX accounts. They informed us to call XXXX. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from Caliber stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute 3 unauthorized hard inquiries on my credit report, as reflected in my recent credit report from TransUnion. Under the Fair Credit Reporting Act ( FCRA ), particularly Section 604, permissible purposes for accessing a consumer 's credit report are strictly outlined, and I have not authorized any entity to conduct a hard inquiry for credit purposes on XX/XX/XXXX ( XXXX  XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX XXXX XX/XX/XXXX ( XXXXXXXX XXXX ). These unauthorized inquiries are negatively impacting my credit score and financial reputation. I respectfully request that this matter be investigated promptly, and the unauthorized inquiries be removed from my credit report. I appreciate your assistance in ensuring compliance with FCRA regulations and protecting consumers ' rights. 

Sincerely, XXXX XXXX