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

Im following is a plant for numerous of reasons that company XXXX XXXX is reporting in an accurate phone number and address on my credit profile for the company. I send out this exact same letter to the company. XXXX. I was in the process of shopping for a car as I pulled my credit I have noticed that you charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Name XXXX XXXX XXXX  XXXX Account This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately XXXX XXXX XXXX  XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Mortgage

Hi, I have been working with my Servicer and requested to be reviewed for a loan modification. They advised of the instructions to submit and all the documents were provided on XX/XX/17.  When i called yesterday to confirm they received them, they are now telling me they will not review them due to the foreclosure sale date. I advised them that if they would not honor a modification review that they at least consider more time to allow me to qualify for a Reverse Mortgage. They said that they are not willing to do anything to postpone the foreclosure sale date. I just dont understand why they are not willing to help me. I am elderly and have worked very hard to have the home I have today but due to unfortunate set of circumstances my mortgage fell behind. I really need your help to allow me more time, to at least continue to push forward for this Reverse Mortgage. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to violated my consumer rights under the Fair Credit Reporting Act by violating my privacy by furnishing non public information which as been damaging to my reputation. 

The law states the following under the Fair Credit Reporting Act. 

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 TransUnion has not been following reasonable procedures that have been put in place
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$9000.00}, a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$780.00} under the account number XXXX and a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} under the account XXXX. These XXXX collection accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth, ( XX/XX/XXXX ) Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block any information reporting on my consumer FICO credit report that is the result of identity theft and fraud within the 4 days of you receiving this complaint. This inaccurate, fraudulent, and false information consists of multiple accounts which are listed below : -The 1st fraudulent account consist of a personal credit card account issued by XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) -The 2nd fraudulent account consist of personal credit card issued by XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 3rd fraudulent account consist of an auto loan issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 4th fraudulent account consist of a bank account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ) -The 5th fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 6th fraudulent account consist of a credit line issued by XXXX. XXXX, XXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in numerous fraudulent hard inquiries and fraudulent collections reporting on my consumer FICO credit report. I've also attached a list of the unauthorized hard inquiries in question as well as a copy of my consumer FICO credit report, which is maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer report. The aforementioned accounts, collections, and hard inquiries reporting on my consumer FICO report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached 2 copies of FTC Identity Theft Affidavit reports ( Report # XXXX & Report # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Transunion has completely and irresponsibly handled every dispute for the last 12 months. When called they say they are putting disputes in but hook return call the new person says no such thing has happened. They told me to use the app but the app crashes, can not handle and submitted documents and will direct you to make a call to the company. When submitting over mail company has refused to analyze documents saying they are unacceptable they are getting photos copies of legal documents I would never send them a document they have been known not to process. They have received my correct XXXX credit report and have still refused to investigate issues. They have given return mail they dont recall sending when I call back and they are requesting the same verification files Ive already set. They do not investigate issues as other companies have. They violate consumer rights and say its no there responsibility to investigate issues only the company whos errors/frauds. They dont run FCRA standard investigations. Ive disputing files for XXXX years with this company and they have not researched a single issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report 1. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

1. Unlawful Collection Practices & Extortion 2. Violation of HIPPA 3. No Contract or agreement with Client Services Inc.
Product: Debt collection

I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX U.S.C. XXXX ), I am requesting that you provide proper verification before any further collection actions. 

Please provide the following information : XXXX. Proof that I owe this debt, including the name of the original creditor, the account number, and any agreements with my signature. 
XXXX. A full itemization of the debt, including the original amount, interest, fees, payments made, and the current balance. 
XXXX. A copy of the original agreement ( if applicable ) proving I have a legal obligation to pay. 
XXXX. Proof that you are legally authorized to collect this debt, including any agreements transferring the debt to your agency. 
XXXX. Documentation of any payments made toward this debt, if applicable. 

Under the FDCPA, you must cease all collection activity until you have properly validated this debt. If you are unable to provide the requested documentation, I request that you remove this debt from your records and notify any credit bureaus to delete any related information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$57.00} XXXX {$0.00} XXXX C SYSTEM ( Original Creditor : INTERMOUNTAIN XXXX {$190.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX ( Original Creditor : XXXX CHARTER COMMUNICATIONS ) XXXX {$170.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$210.00} XXXX LAND COL ( Original Creditor : EPIC XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX {$300.00} XXXX LAND COL ( Original Creditor : EPIC XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX XXXX COL ( Original Creditor : UTAH GASTROENTEROLOGY ) XXXX {$250.00} EXPRESS RCVY ( Original XXXX : UNIVERSITY OF UTAH XXXX CA ) XXXX {$720.00} EXPRESS RCVY ( Original Creditor : UNIVERSITY OF UTAH XXXX CA ) XXXX {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX AMBULANCE ) XXXX {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX AMBULANCE ) XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. XXXX, XXXX XXXX XXXX original creditor " XXXX XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was reported and removed by XXXX several months ago and they have recently reappeared and after several correspondence they have yet fixed and/or removed it even after they have done an investigation. These following account has interfered with my rights and must be removed in accordance with the fair credit reporting act .. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX . 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said account to be removed.
Product: Debt collection

Hilcrest and Davidson has placed a collection account on my credit file indicating that I owe a debt that is not mine. I have made numerous attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have received a copy of a billing stated which is not debt validation. There is no signature or contract provided. In order to collect on any debt and report any debt by law the collecting party must have this information and provide it to me. This has not been done. 
I have attached a copy of the billing statements i was provided this is not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( NCA ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from NCA. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts
Product: Debt collection

Back in XX/XX/XXXX Someone opened a cable account using my information, I contacted XXXX XXXX once the person had moved from my home and they turned the cable off but didn't pay the bill, on top of that they didn't tell me it was in my name. Well i disputed this back in XX/XX/XXXX and everything had been deleted off of my report and everything had been taken care of. and they had even apologized for allowing someone to open an account in my name. Well recently a company named credence resource mana contacted me saying they have a new account XXXX from XX/XX/XXXXand I explained to them the situation how it had been removed years ago and how could it just automatically come back. They told me it was my problem they didn't care how old it was, and that I would have to pay.
Product: Credit reporting or other personal consumer reports

These accounts were not authorized by me and are a result of identity theft. I have taken steps to address this issue by submitting an identity theft affidavit to the Federal Trade Commission ( FTC ). Please update my report, and remove these items from my report.
Product: Checking or savings account

I made a dollar payment with XXXX in my bank account and after the charge I was left with XXXX XXXX but the Bank of America said I didnt have the dollar to pay when I clearly did
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : XXXX mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX  XXXX XXXX sold our mortgage to XXXX in XX/XX/XXXX. They did not report any payments until XX/XX/XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, XXXX hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. XXXX has reported these months, ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XX/XX/XXXX when XXXX  XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when XXXX took over as my mortgage company in XX/XX/XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but XXXX has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

between XX/XX/XXXX and XX/XX/XXXX transunion removed positive information from my credit report with out my consent ... .its good positive credit that i built ..i paid it it the account showed as a positive on my credit..the creditor is XXXX XXXX XXXX ... when they removed that from my credit report without my permission i lost 25 point from my credit score ... i dont understand why transunion would do that they do not have the right to remove accounts from my report without consulting me first ... .i am very upset about this ... it took me a long time to get my credit where it is right now ... .my resolution is that transunion needs to add my positive credit that i built back onto my credit report ... .my email address is ... .XXXX ... .cell # XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 I was contacted by a scammer posing as a Binance.Us support person. Using a ticket number shown on social media ( XXXX, Binance asks for a ticket # in their twitter feed ) I received an email promising to return funds sent to a wrong network. 

I did send funds several times as asked for. I did stop after the Scammer asked me to empty several balances into their address. 
After realizing the Scam, I contacted Binance.Us support. 
I followed the Scammers address and it led back to a Binance account. 
Binance.Us Support claims that this is not true. 

I'm attaching screenshots of the transactions My account>Scammers intermediary account>Scammers account connected to Binance>Binance XXXXotal amount sent from 3 transactions {$780.00}
Product: Debt collection

Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's report.