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

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681 c-2 ) that you, the Tranunion credit reporting agency XXXX XXXX information services XXXX and XXXX 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 consist of several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries being maintained by you were not opened, made or initiated by me. All of the listed accounts are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In XX/XX/2018. I disputed Bankruptcies being reported on my credit report by the Bankruptcy Courts. I provided a letter to Transunion, XXXX and XXXX  that I received from the Bankruptcy Courts which states ; The Clerks Office does not provide information to credit reporting agencies. After there investigation the Bankruptcies were removed because the information reported could not be verified by the Bankruptcy court. In XX/XX/2018 the Bankruptcies reappeared. I deputed these items again but the result of the reinvestigation states ; The information reported was verified by the Bankruptcy Court which in fact it could not have been based on the letter that was provided to me by the Court. which I have attached a copy to this complaint to be verified. I ask that you please look into this matter to have these item removed permanently. Thank you for hearing my complaint.
Product: Credit card

I fell I'll from work for XXXX months and while payments lapsed in the bank incurred charges insured with addage of increased charge frequencies in amounts more than arranged while no one honored an agreement of {$37.00} only. However addage charges were {$17.00} in addition to the {$37.00} starting on XX/XX/2023 and after speaking with manager and other customer associates ignorance while continually in excess charging my bank account outside of agreement and exhorbant interest where the balance stays the same is continual is common.
Product: Debt collection

In 2016, I signed on with a credit counselor, who then contacted several creditors I had and they've been working with me to pay those off, since then One pf my creditors, being handled by ACCC, is XXXX. They are incorectly contacting me with statements that do not show their agreement to work with ACCC. However, when I call in, and the computer tells me information about my account, the information is correct. When I talk with a person, they tell me the other story. Right now, it's that a payment was missed last month, and my due date is my old one from before I started with the ACCC, of the XXXX of the month. With the ACCC, I had asked for, and received a change of that to the XXXX of the month. The statements I received do not reflect the realityof what is happening, even though it is somewhere in their computer, becaue the computer in the first part of the call, has the correct information. 

By the way, I've received the incorrect statements about every week, too. This is the 3rd one this month.
Product: Mortgage

Mrtg company sent letter stating I had a lapse in coverage for XX/XX/20 to XX/XX/20.

I had previous sent them letters from my insurance company showing no  lapse in coverge then they billed me for force placed insurance, they told me they got the letter but charged me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per XXXX  iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this account for some time now. I have called several times and they always say someone will call back. I have received a call back but if you miss the call they do not try again. I can not get into my own account. When I enter my information it states that it does not match.
Product: Vehicle loan or lease

I am writing in the hopes you can help me resolve an issue I have. I have an account with XXXX XXXX. This account was set on autopay in XX/XX/2023 unknown to me the autopay had a security issue which I was only made aware of in XX/XX/2023 at that time I got the account bought current and got the issue cleared up so no other issues would occur. Since this wasn't a matter of me just not paying only me not being aware of the issue at hand I am hoping you can assist me in getting my credit updated to not report any data beginning XXXX XXXX XX/XX/2023 or to show payments made on time due to this issue.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach please delete reported accounts, XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, Equifax, XXXX, XXXX. Disputes were filed on numerous dates.
Product: Mortgage

Bank of America informed me that my mortgage is not being serviced by Bank of America. This is after Bank of America told me I will have one point of contact. Bank of America told me that my mortgage will be handled by XXXX, XXXX. I 'm in the process of modifying my mortgage and do n't what do to do or who to call. Please help.
Product: Debt collection

I myself only speaks for myself and act on behalf of my only. It is a fact that I am the consumer in fact as defined by law, It is a fact that my consumer rights have been violated so be it. On XX/XX/2021 I initiated in the purchase of a vehicle with XXXX XXXX XXXX and shown intrest in a vehicle and I asked how there process work for me to purchase on credit and immediately they began talkin about submitting a credit application and stating that the credit application is a loan application. The false and misleading representations started here. It is to my knowledge that there are no statue of limitations on fraud. I was told to put cash down as a deposit and downpayment to prevent them from giving another party interest in the vehicle. On XX/XX/2021, i returned to purchase the vehicle on credit but was told to do a credit application with there financial institution which is ( lendmark financial ). I entered into the consumer credit transaction with lendmark and they began immediately giving me false and misleading forms and using deceptive tactics to coerce payments from me that I believe is against the law under the FAIR DEBT COLLECTION PRACTICE ACT. I have the original bill of sale from XXXX XXXX XXXX that shows the vehicle is paid off and I owe nothing on the vehicle as well as a receipt showing they took XXXX $ cash from me which is a believe against the law under the truth in lending act. The bill of sale also states that there will be no liens on the vehicle but named lendmark as the lien holder on the vehicle. After which Lendmark coerce me into signing misleading and deceptive forms, one of them specifically states that they will be giving me proceeds of a loan that i will pick up from them which left me more confused and felt as if im being taken advantage of. I was applying to purchase a vehicle on credit and they forced a loan on me and the proceeds of that fraudelent loan was a {$15.00} check that I can and will upload. It is a fact that I do not consent to this fraudulent loan nor do I intend or paying it. Lendmark then proceeds to place an illegal lien on my vehicle attemptig to coerce payments to be made and used a lot of obscene and profane language on documents and sending me post cards stating that I owe a debt of over {$12000.00} which is false. This extention of credit was made pursuant to 16 cfr 433.1. It has been going on 6 months and I have not recieved my title to my property nor have I recieved the purchase money loan that was supposed to be issued to me the consumer pursuant to 16 cfr 433.1 ( D ). that I demand now. This company is engaging in racketeering, prohibited activities, and unfair and deceptive practices pursuant to 16 cfr 433.2, 18 usc 1341, 18 usc 1343, and 18 usc 1344. This company is also engaging in securities fraud pursuant to 18 usc 3301 improperly handling my chattel paper/ negotiable instruments. Please be advised I do intend to pursuing federal lawsuits to the fullest extent on this company as well as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, associate general counsel.
Product: Credit reporting or other personal consumer reports

I have already contact the credit bureaus concerning this issue but they are not being responsive. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports, and that inaccurate or unverifiable information must be removed or deleted This is an inacuracy on my credit reporting as if I am current on XXXX, how can I be 90 days late in XXXX. Please delete this inacuracy.
Product: Debt collection

I dispatched a XXXX Notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC. Upon review of the information provided, it became apparent that the alleged debt in question was unverifiable and lacked substantive evidence to substantiate my purported obligation. Subsequently, I initiated further correspondence to afford LVNV Funding LLC an additional opportunity to furnish the requisite documentation necessary to validate the purported debt. However, LVNV Funding LLC failed to provide the requested documents and indicated their intent to transfer my personal information, along with the alleged debt, to additional debt XXXX named XXXX XXXX XXXX and XXXX XXXX XXXX. 

I hereby demand the immediate removal of all three trade lines associated with this matter from my consumer report, along with the elimination of any accompanying remarks. Failure to comply with this demand will leave me no recourse but to pursue appropriate remedies to rectify this situation. 
Please consider this communication as a formal notification of my intent to address this matter diligently and assertively within the confines of applicable legal frameworks. 

Thank you for your prompt attention to this matter.
Product: Mortgage

With LoanDepot they are forcing users to go online to service their payment method. I do not agree to have things done electronically, thus they're violating the esign act and should service my account over the phone rather than requiring that I service myself online for things such as updating a payment method.
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 XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

This address is not mines XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I'm a victim of I theft
Product: Credit card or prepaid card

I had run into financial hardship which in turn I settled the PenFed XXXX  and PenFed XXXX XXXX credit card. The amount of the settlement amount was to be a confidential amount.

PenFed is not reporting the information correctly to the credit bureaus and as of XX/XX/2018 show conflicting information across XXXX XXXX   XXXX, and XXXX. This is negatively impacting my credit score.

In addition, they are reporting how much the settlement amount was for paying the accounts for less. I realize they can report that the accounts were paid for less but they are reporting that I owe the full amount and am still late and they have in the last two months incorrectly reported the information and changed the information slightly each time damaging my credit.

I do not have a XXXX XXXX  or XXXX account with them after paying them in full via a settlement agreement.

PenFed has been contacted and at this time this has not been corrected. I would have suffered and paid a settlement agreement for my mistakes but that doesn't allow them to report bad data and continue to harm me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 XXXXXXXX
Product: Checking or savings account

on XX/XX/2022 a wire was taken out of my account for XXXX without of my account without any authorization. I went to truist bank where my account is held and they told me it has to go through fraud dept and it could take up to 60 days before anything could happen. I went back 30 days later and inquired. They told me the money went XXXX XXXX XXXX and credit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXand it was out of there hands and up to chase bank if i got my money back. I went back today XX/XX/XXXX and they said its not there resposibility. I had no authorization for them to do this and they did not even call me to ask about this transaction The bank truist says there is nothing they can do. So i lose my XXXX for no reason of mine. I hope you can help me get my money back
Product: Payday loan, title loan, or personal loan

In XXXX XXXX I entered a loan agreement from what was at the time called LoanPal ( now called Good Leap ) for solar panels from XXXX XXXX XXXX. Basically, the two and half years that we have had these solar panels, they have not worked properly for more than ta total of three weeks. We had an extremely difficult time with the Solar Company in attempting to get the problem resolved. Last year in XXXX and XXXX, we were finally put in touch with someone from the solar company who helped us reach a resolution. The company fixed our solar system and reimbursed us for the payments we had made during the time the system was not working. We thought this was the end of our problems. However, less than a month later, the solar system stopped working and our control panel kept displaying an error code. When we contacted XXXX XXXX XXXX, they directed us to XXXX because they stated that the problem was with the XXXX XXXX. We have not been able to get anyone with XXXX to help us. Since that time XXXX XXXX XXXX has closed down and filed for bankruptcy. There is also a class action lawsuit against XXXX. We do not feel we should have to pay our payments on a faulty system that does not work. We have contact the loan company, Goad Leap, who refuses to hear our concerns or address them. We have tried to stop making payments but they have threatened to report us to a credit agency. I have made a claim with our state Attorney General who has given us information to fill a claim with the bankruptcy case of XXXX XXXX XXXX. Basically, I feel this loan agency should assist us in finding someone to help fix this solar system or relieve us of the payments since this solar company obviously made fictitious claims and sold faulty systems that do not work. Also, there are thousands of other customers who are in the same position as my family with these faulty solar systems and loan agencies refusing to offer any solutions or relief. I am in a XXXX group dedicated to victims of XXXX XXXX XXXX, so I know there are many victims of this fraudulent company. Also, many victims of this state that Good Leap is refusing to send them their loan documents.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$560.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

There are XXXX false student loans on my credit report in the amounts of XXXX and XXXX with XXXX. It states the accounts opened in XXXX of XXXX. It opened under a fake address in XXXX XXXX, I have proof of my real lease at the time the fake address was used.
Product: Money transfer, virtual currency, or money service

I opened an account with Binance.us since XX/XX/2021 for cryptocurrency trading and deposited {$1000.00} in two installments to buy and trade coins, and then they said that trading is disabled and ask for more personal verifications which I did and they approve my identity then I tried to trade again but nothing changed and I was locked out and sent them 5 emails and tickets to resume trading but no one answer me back. So I decided to withdraw my remaining money from Binance.us after I lost money because I was not able to sell then I found that I can't even able to withdraw the remaining cash money from the account and they send me a message that the account and withdrawal suspended due to risk management so I created another two tickets in a span of two weeks hoping someone from the support will get back to me, which never happened and until today XX/XX/XXXX I can't sell, buy or even withdraw my money.