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

I got locked out of my Binance.us account on XX/XX/XXXX. I send all the documents they requested and it has been over a month now and I haven't gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my mortgage with MB Financial, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 Fifth Third Bank bought the mortgages from MB financial. and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with fifth third bank and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from fifth third bank that its not legal to not notify me that they will not accept this kind of payments i was used to make to MB financial, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of fifth third bank assured me he will take care of it and make sure fifth third bank is reaching out to all 3 credit bureaus to remove the negative marks, till today fifth third bank didn't reach out to the report companies to remove the lates.
Product: Checking or savings account

I got scammed and sent {$950.00} to this person and they basically stole my money. I called and wanted to report it and try to get my money back. But, they told me that once I sent the money it was gone basically. It was at XXXX XXXX sent through Zelle on XX/XX/year>2023 and I was embarrassed and ashamed and mad about losing my money.
Product: Credit reporting or other personal consumer reports

My identity was exposed as well as vital data Information from XXXX  and continues to receive reports of my data being exposed. I was compensated a measly amount yet I continue to have fraud issues.
Product: Credit reporting or other personal consumer reports

Can transactions be reported on Credit Report? 





XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX ) Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

All Late Payments, All Collections, and All Inquiries.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX District of Columbia ( XXXX )
Product: Debt collection

our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.
Product: Mortgage

In XX/XX/XXXX, after ten years paying XXXX XXXX account # XXXX, XXXX XXXX sold my mortgage loan services to Green Tree. I pay my mortgages by check mailed from XXXX XXXX 's main XXXX XXXX on XXXX XXXX in XXXX XXXX on the XX/XX/XXXX. The first seven XX/XX/XXXX payments went to GreenTree account # XXXX. The last five XX/XX/XXXX payments went to Ditech account # XXXX. GreenTree 's XX/XX/XXXX updated statement represented a 'principal balance ' of {$47000.00}. I made all $ 2000 monthly payments since XX/XX/XXXX in time through XX/XX/XXXX. Accordingly, Ditech 's XX/XX/XXXX 's statement showed a 'principal balance ' of just over {$24000.00}. XX/XX/XXXX statement 's declining 'principal balance ' reflected just over {$22000.00}. I appeal to CFPB here because Ditech 's subsequent three XX/XX/XXXX monthly statements for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX reflected the same 'principal balance ' amount of just over {$22000.00}. Furthermore, Ditech 's XX/XX/XXXX counts my XX/XX/XXXX payment in a " Total Paid Year to Date '' amount of exactly {$24000.00} or 12 times {$2000.00}. My primary appeal to CFPB believes I have paid off the mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, although Ditech disagrees. 

My secondary CFPB appeal here questions first GreenTree 's and now Ditech 's increasing, instead of decreasing, monthly statements ' 'amount due ' amounts. XXXX XXXX  's monthly 'amount due ' amounts annually decreased from $ XXXX in XX/XX/XXXX to $ XXXX in XX/XX/XXXX when GreenTree became my mortgage service provider, decreasing because I always paid {$2000.00} each month on a fixed rate mortgage pegged at 4.875 %. In less than four years GreenTree and Ditech increased the monthly 'amount due ' amount to {$1900.00} due by JXX/XX/XXXX. In XX/XX/XXXX, the year GreenTree became my mortgage service provider, Vermont 's attorney general had GreenTree restore Vermont citizens ' money paid to GreenTree for GreenTree 's fraudulent mortgage services. XXXX 's first Attorney General, XXXX XXXX, first won election in XX/XX/XXXX. GreenTree 's Vermont legal outcome, GreenTree and Ditech 's annually increasing 'amount due ' amounts, my own XX/XX/XXXX $ 22,000+ 'principal balance ', and XX/XX/XXXX statement 's {$24000.00} 'total paid year to date ' amount, all let me wonder if I my mortgage payoff completion passed with XX/XX/XXXX 's pay receipt. If so then Ditech owes me at least {$2000.00} instead of me owing Ditech {$6900.00} more. 

This CFPB appeal should also inform Ditech of XX/XX/XXXX payment 's possible late arrival if at all. My faith in transparency urges CFPB 's publishing with account numbers and the aforementioned DC address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Chase Bank and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with XXXX amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I submitted dispute letters to Experian, XXXX, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Product: Debt collection

KINDLY HELP ME. I'M GETTING XXXX  UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous credit data in my file that resulted from a mistaken credit reporting but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of erroneous credit report details and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft : XXXX : XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -EQUIFAX : XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$31000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for this account to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately.

Requested Actions Immediate blocking and removal of the following unauthorized account : XXXX / XXXX Written confirmation of the removal of the unauthorized information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion concerning a couple collection accounts in XX/XX/2017. One was in XX/XX/XXXX and XX/XX/XXXX. One fraudulent account the company made the balance {$0.00} but left it negative. I have not been able to buy a house because of my credit score. TransUnions actions have left me with lasting damages ...

A. 1 account Was not mine B. 2 accounts were paid off, but still reporting as negative. Even though I had worked out a deal with the companies to pay off the collection amount and they would remove it from my reports. I also filed a dispute over the phone about the hits to my credit. The car dealership and XXXX XXXX pulled my credit for the same car. It should have only been 1 hit, not 2 hits.
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX opened on XXXX XXXX, 2023 account number ( XXXX ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Credit card or prepaid card

On XX/XX/2022, I was alerted about suspicious activity on my TD Bank Credit Card. A transaction of {$1300.00} at XXXX ( this was a transaction that I didn't make ) I replied and alerted TD Bank that it was " fraud '' and the card was disabled. 

My statement listed 5 transactions that was made around the same time, all fraudulent activity and unauthorized purchases. 

I spoke with a TD bank and told them the situation and informed them that I have had the card in my possession the whole time. It was not stolen or lost. They opened a case and assured me that they will cancel the suspicious transactions that I did not make. They apologized for the inconvenience. 

On XX/XX/2022 I received a letter saying that the case was dismissed and that I was responsible for 2 of the 5 transactions. This is because the transactions were completed by chip and there was no way to duplicate the chip. Since the card was not stolen and is in my possession, this meant I was responsible for the transactions and I would have to pay the bill. 

I called the number on the letter to understand what happened because I could not have completed those transactions. I haven't used my card in about a year and the transactions were far from home. One was for XXXX XXXX XXXX XXXX ( I do n't drive ) and the other was for " XXXX 's '' ( I've never had XXXX 's before ). The 2 transactions totaled up to {$81.00} I was on the line for about XXXX mins before I got someone on the phone. When I finally spoke with someone and told them my story, they said they will look at the case again. 

A few weeks have passed and I realized I haven't gotten an update. So I called again. After sitting through a XXXX minute wait time, I got someone on the phone that reiterated that I was responsible for the charges and that there was nothing he could do. It then escalated to a supervisor who was very clear that TD Bank will not do anything for me and that I was responsible for the transactions. There was some back and forth, the supervisor told me that the only thing I can do at this point is file a police report.
Product: Credit reporting or other personal consumer reports

Company has been incorrectly reporting to me a score based on XXXX
Product: Payday loan, title loan, or personal loan

I am showing a $ XXXX loan from XXXX XXXX XXXX on my credit report. Additionally, my checking account has been charged in XXXX and XXXX of this year by XXXX XXXX  for {$440.00} ( the same amount my credit report suggests the monthly payment of the $ XXXX XXXX loan is ). I called XXXX to inquire about this with XXXX, as I have not borrowed any money since purchasing a home in XXXX and obtaining a mortgage through XXXX XXXX. That mortgage has since been paid off. XXXX representative suggested that this loan was used to pay off an XXXX Credit Card held through XXXX XXXX in the amount of {$8500.00}. XXXX Card number XXXX. I have never owned an XXXX Credit Card, and own no XXXX products. XXXX suggested that in addition to this, a {$1300.00} check was sent to XXXX XXXX XXXX XXXX, XXXX, XXXX - payable to XXXX XXXX. I am named XXXX XXXX, however I live in XXXX  and have never been to XXXX in my life. Upon sharing all of this information with XXXX, they advised they had opened a fraud case and had sent the info to the email address on file. When I suggested I'd never told them my email address, they suggested its the one that ends with XXXX. I advised that is not my email address, and pointed out that they had likely just tipped off the person who stole my identity. They would not share the full email address with me, nor would they tell me what the phone number I have on file with them is.
Product: Mortgage

The lender ( https : //www.myloancare.com/ ) has not paid property taxes from the escrow account. I have raised 2 tickets with the lender with the tax bill attached and called them 4 times in XX/XX/2021. They do not respond to the online tickets and on the call I get a different response every time. 

The tax deadline is XX/XX/XXXX and I am concerned they will not pay in time and I will be stuck with the penalty as well. 


I have attached the receipts for the 2 tickets I have raised with the lender and the tax bill.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must REMOVE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a hearing XX/XX/year> with XXXX  XXXX and they agreed to close and discontinued. XXXX XXXX XXXX now has the debt and they've provided the information stating the statue of limitations has expired. 

They can't sue or continue to collect. This matter has been close and discontinued by the original creditor XX/XX/year>. 

I've reached out to experian and transunion to research this matter because this not being handle correctly. XXXXXXXX XXXX XXXX  shows on my credit as a collection and it's affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXXXXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXXXXXX XXXX Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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. 

15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I went onto Bank of America website to check for offers for a credit card. Bank of America website showed check for offers wont affect credit score. 
I was just able to log into experian website today XX/XX/year>, to view my credit report. I have a hard inquiry from Bank of America what shows it will be on my report for 2 years. I never ever authorized Bank of America to do a hard inquiry on my credit report. I contacted Bank of America online they refused to assist, I contacted experian today rep refused to remove, rep told me to contact the company. I want this inquiry from Bank of America removed from my report I never authorized a hard inquiry, they used soft inquiry online and it wont affect credit score which is deceptive
Product: Credit reporting or other personal consumer reports

I noticed there was inaccurate and unauthorized use of my credit report. There is a reporting of my birth year as XXXX  which is inaccurate. I also noticed addresses and employment that is inaccurate as well My Legal Name is XXXX XXXX XXXX. This Is my Only Name. 
My Address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This Is My Only Address My Employment is XXXX .This Is My Only Address. 
There Should be no Other Adresses Reporting In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Mortgage

My husband and I contacted USAA on XXXX/XXXX/XX/XX/2015 to apply for a VA Mortgage Loan. After a series of long hold and providing information to the representative. We were advised that we were not approved at this time for a mortgage loan and that we would receive a letter in the mail to explain, in detail, why we were not approved. After a week had gone by, I contacted the company to find out if the letter had been sent, they advised " system had not generated the letter yet ''. Again after 3 weeks, I still had not received a letter and I contacted the company to find out why. I asked to speak to a manager and the representative proceeded to advised me that she could help and that we were not approved because my husband 's credit score was below XXXX. I do believe discussing credit scores and denial reasons over the phone is a violation. I still have yet to receive a letter of explanation even though it has been well over a month since applying for the loan.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account name : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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