23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting

Multiple wrong address information..on my Experian, XXXX and XXXX credit files 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 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 XXXXXXXX XXXX
Product: Debt collection

Collection agency is attempting to collect a debt that is invalid and does not exist. They state in their letter that the creditor is XXXX XXXX XXXX. When I contact XXXX XXXX XXXX they state that there is no debt due and all of my accounts are paid in full. This was verified with the billing manager at the physician 's office. I believe this collection agency is a scam and is soliciting fraudulent collections that do not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ). ( XXXX XXXX service : XXXX ). XXXX XXXX : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXXXXXX XXXX XXXX XXXXXXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXXXXXX XXXX XXXX XXXXXXXX does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX in XXXX, MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Synchrony Bank ( JC PENNEY ) just called me and some foreign guy says that they have turned me over to the Credit bureaus for being 38 days past due. I AM NOT 38 days past due. I made my XXXX payment and my XXXX payment was not made due to a loss of income. I am only 14 days past due but this XXXX said that I have been turned over as 38 Days past due. I advised that he can not turn me over when i am not 30 days past due. This guy now has me concerned that JC Penney is trying to ruin my credit by reporting FALSE information to the credit bureaus. They can only report me for being 30 days past due from the date of 30 days past due from the due date of my payment. This company is a sham if they have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX  on BinanceUS and make several transactions on the platform. They have locked my account and will not allow me to withdraw money that has already been deposited in the amount of {$80000.00}. Recently, I received a request to provide more information from BinanceUS ' risk management team. The request was for information about employment, estimated net worth, W2 as well as a video showing a copy of my ID. After submitting this information, I was asked to submit a copy of my most recent tax return. I submitted this information and received a follow up request for my bank statements in the past 90 days. Needless to say, I am not applying for a mortgage, so I do not feel this information is important. As a result, I have not been able to withdraw my money and suffered substantial losses as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying Experian 's website a fee and answering all of the required questions to verify my identity, I received a letter stating the following : " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible. '' Please not that the letter that I wrote to dispute an inaccurate item on my credit report was written in print not in cursive form. 

The reference number given to me by Experian after paying to receive my credit report is as follows : Reference Number : XXXX The item that I am disputing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Any assistance that you could provide me regarding this matter will be greatly appreciated. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I have bought 3 Air line tickets by Discover card, from Travel Agency called XXXX XXXX XXXX XXXX XXXX/ travel on XXXX/XX/XX/2018 from NY/XXXX/XXXX and return on XX/XX/2018 XXXX/New York. Suddenly I found that the return ticket has been canceled so, I called XXXX XXXX, they advised that the travel agency cancelled it, however, I didn't request to cancel it and I didn't give the travel agency the permission to cancel it so, I called discover to dispute the amount {$2000.00}, I waited them over month and I sent to them that the merchant has cancelled my tickets, he stated to US department of state that he cancelled the tickets so, what happened is XXXX got refund from XXXX XXXX + the amount that I paid for them. and from my side I paid extra {$900.00} to fix the ticket and I paid another {$1500.00} for a new ticket. so, total paid for the tickets {$2000.00} + {$900.00} + {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked TransUnion to investigate these accounts on several occasions. TransUnion stated that they did a complete investigation on these accounts and that the accounts are reporting accurately. How is that possible when the accounts have multiple violations where the open date is inaccurate, the date of last activity is inaccurate, the date of last report is inaccurate. This is grounds for immediate removal because these accounts were said to be investigated but they were not. Also TransUnion has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

Please see accounts attached in documents
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts or inquiries linked to fraudulent activity or unauthorized use resulting from this breach. 
The following accounts should be blocked and deleted from my credit file : Accounts : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the above companies are accounts that were opened up under my social security file without my consent.

The following inquiries were also opened up under my credit file fraudulently : 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 XXXXXX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ActXXXXXXXX 15 U.S. Code 1692 ( c ) c ( Which states ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, )
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

I TRIED TO FREEZE MY CREDIT REPORT, ONLINE, AND THEY REFUSED TO DO THAT. HERE IS WHAT THEY REQUIRED. This is extremely inconvenient and not timely to freeze credit by having to do all this. No reason should not be able to do this online. Also, Experian won't provide a credit score without payment. They also want money to do an online credit freeze. Experian is the worst company. They were also hacked and all my personal data was breached, so they should provide their services for FREE! I provided them correct information. No problem with the other 2 bureaus. 

We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 

Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as XXXX, XXXX, XXXX, XXXX, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy  of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or  permanently. 

Experian Security Freeze XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used without my authorization and or knowledge to open an Auto loan with M & T bank. These accounts were open fraudulently. I have tried to contact the bank and resolve this account but have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX XXXX ACCT # XXXX, and XXXX XXXX XXXXXXXX ACCT # 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
Product: Mortgage

I recently lost both of my parents. XXXX passed XXXX, mom XX/XX/XXXX. I was left with a XXXX  brother. When my mom passed her accounts were frozen and we got behind 4 months. My brother and I are on the deed not the mortgage. He has lived in this home since birth. he is now XXXX. We originally had a loan with XXXX. I contacted them in XXXX of XXXX and explained the situation. I sent over both death certificates and became successor of interest. They granted me a modification, lowering the monthly payment to XXXX and starting payments XX/XX/XXXX. The terms of the modification were to pay 3 months on time and they would honor the modification for the remainder of the loan. We made all the payments. XXXX was sold to Mr. Cooper. When I received the letter from Mr. Cooper and continued making payments, nothing was mentioned about the modification. We kept making payments. In XXXX i noticed that the full amount we were behind was past due and we were told we had until XX/XX/XXXX to pay {XXXX  or foreclosure would begin. They applied all current payments to the back 4 months the modification was issued for and told me that the modification was denied. They claimed to have never gotten my mothers death certificate. They were all faxed over to mr cooper with the modifcation documents that XXXX  issued us. Now our payment is {XXXX and we have a very limited number of time to get caught up. we need some time to get back on track, My brother will have no where to live. I have contacted HUD for help
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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, credit repair services, or other personal consumer reports

As of XX/XX/2021, XXXX  and TransUnion are currently reporting an fraudulent account from XXXX XXXX  that is adversely affecting my credit score. This account is not mine and no information has been furnished to me upon request. I was a victim of fraud previously and as a result placed a lock on credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXX bal XXXX on XXXX XXXX and disputed on XXXX XXXX this account was deleted and updated on XX/XX/XXXX per XXXX XXXX request. On XXXX XXXX this account reappeared on my credit as not paid and owing a balance of XXXX which is false information, I tried to dispute information again but was not successful due to equifax dispute system being down online I called on XX/XX/XXXX and was told to call XXXX XXXX which already verified that account was deleted on XX/XX/XXXX, I have proof that account was indeed deleted on XX/XX/XXXX but reappeared on XX/XX/XXXX. Dispute resolution was suppose to be complete for XXXX XXXX XXXX XXXX, and also for XXXX XXXX # XXXX bal XXXX and acc # XXXX bal XXXX dispute confirmation # XXXX on XXXX XXXX. I plead and asked for Equifax representative to email me my results for XX/XX/XXXX and so call supervisor never did.
Product: Credit reporting or other personal consumer reports

I recently reviewed copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Mortgage

Since XX/XX/2017 I have been trying to remove the PMI which is {$170.00} a month ; in total I have paid {$2000.00} that I didn't have to. Either the mortgage servicing company gave me the run around and refused to have me get an appraisal to prove that my LVT was at 78 % ; or they would sell my loan as soon as I got an attorney, and now I have been paying {$170.00} for long the original property appraisal has put my LVT at 76 % and again the new serving company refuses to remove the PMI. 

The PREVIOUS SERVICER WAS XXXX AND the current is loan care.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of incorrect addresses listed on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I have noticed that there are 8 address ( es ) that are inaccurately associated with my credit file with Equifax. Under the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information. Please investigate this matter.