23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

End of XXXX of XXXX I cancelled my service with XXXX XXXX to be shut off on XX/XX/XXXX, as I was moving. They said they would send mailing kit so I could send back receiver, it didn't get to me. XX/XX/XXXX asked again for kit never got it. XX/XX/XXXX I talked to XXXX XXXX XXXX for collection. I was told I needed to give back the reciever or pay {$140.00}. I told them I have been waiting for a mailing kit. I was told I could go to a UPS and they would send it for me. I did that in XXXX, MI the return reference # XXXX. XX/XX/XXXX spoke to rep from XXXX XXXX said they had not received anything. They transferred me back to collections to speak with them because at this point it in collections and they couldn't do anything. After speaking with several reps I was told it takes 2 billing cycles to make adjustments. As of XX/XX/XXXX they had no information. XX/XX/XXXX received letter XXXX. XXXX collections, told me they would register a complaint. XXXX XXXX a collection agency sent letter dated XX/XX/XXXX. I was told to file a written complaint. I wrote a letter, sent copies of bill and all collection notices, sent out XX/XX/XXXX. I received a letter from ERC a debt collector dated XX/XX/XXXX, XXXXtrying to collect. I called them and the rep said it was for services rendered not equipment. This is crazy I have been told for all this time it was for a reciever now this agency is telling me something different. I know this is incorrect. I did not owe anything as I had an auto debit come from my account monthly. I had cancelled service early enough so there would not be anything owed. They said they had no record of any calls that I've made or my dispute. But asked if I wanted to pay {$94.00} and they would clear the account. I said absolutely not. I do not know where else to turn. My name on there accounts is XXXX XXXX reference # XXXX as of the last debt collector. My email address is XXXX my address is XXXX XXXX XXXX, XXXX MI XXXX. My hope is that they will recognize my attempts to resolve this matter. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified via a credit monitoring service on Tuesday XX/XX/year> that I had a credit inquiry today that I did not authorize nor did I apply for credit XX/XX/year> - XXXX XXXX  I would like this fraudulent inquiry removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to allow XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is over half a year difference. Due to reporting inaccurate information I want the account deleted. I am showing proof of the inaccuracy directly from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit file, as they were established without my knowledge or consent due to a recent data breach. This request is made in accordance with 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account stating on my transunion as XXXXXXXX XXXX XXXX XXXX  and XXXX as XXXX for {$4900.00} and an account from. XXXX XXXX saying XX/XX/year> I have asked multiple times for verification of accuracy of these accounts and nothing has been done yet and it is having a very negative impact on my life I demand this be removed pursuant to my rights under FCRA
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Mortgage

I applied for forebarence due to covid and the payments per our agreement were to be put back of the mortgage so I would not have any issues when it was over. I have been sent bills for XXXX needingg to pay ASAP. I have even tried with attorney and not help what so ever. I am reaching out to get the help I need. I have also had a friend who did that and FHA came in an paid her forbarence Previous mortgage company is XXXX and current is Carrington
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number XXXX for {$18000.00} did not provide any sign contract or anything bearing my signaute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXXXXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit both accounts report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a request to change the 2-factor authentication on my Binance account as my phone had broken, needed replacement, and my two factor auth codes could no longer be accessed. I received a reply on XX/XX/XXXX to send verification documents, including a video of me holding my ID card and reading a statement, and a photo of the ID. I sent the documents promptly. Since then, for 12 days so far, I have had no response from customer support despite many attempts to get in touch with them. The documents I sent were sensitive and I still have no way to access my account, which holds approximately {$10000.00} in cryptocurrency.
Product: Mortgage

Mortgage is with Lakeview and is subserviced by XXXX In XXXX XXXX  I added a new bank account for payment of my mortgage. I submitted a payment on XX/XX/XXXX which is within the grace period for the due date. I was not informed that the payment had been returned until XX/XX/XXXX. The mortgage company reported it to the credit agency as XXXX days late. The payment account number was off by only one digit. I immediately made the payment at the time of the phone call with the correct account number. I made the XXXX payment through the website on XX/XX/XXXX and everything went through just fine. I made the XXXX payment through the website on XX/XX/XXXX. Prior to submitting the XXXX payment I checked the " edit payment account '' screen to verify that the correct account number was listed. On XX/XX/XXXX I called them because the payment had still not cleared my bank account. I was told that the incorrect account number ( off by XXXX digit ) had been used for the XXXX payment. No one at their customer service, website team or escalations department could tell me why it processed with the incorrect account number even though I double checked it before submitting the payment. I was then told that I have to wait until Monday XX/XX/XXXX for the payment to be returned and that I will be charged a returned item fee. On top of everything else, they reported me as XXXX days late to the credit reporting agencies and stated that they have no responsibility whatsoever to notify me when a payment is returned. This is an unfair business practice that has damaged my credit and will adversely affect me for the next 7 years. I have never been late on a mortgage payment before and if there were any issues in the past with the mortgage on my last home I was promptly notified to address the issues before any negative impact to my credit. This company said that they refuse to correct anything with my credit report even though the account number was only off by XXXX digit and I was not notified that the payment had been returned until 10 days after it was already 30 days late. In addition to unfairness I feel this is deceptive and predatory because it has caused me to be denied on applications to refinance to a different lender. I also have photos of the " edit payment account '' screen showing the correct account number.
Product: Vehicle loan or lease

My ex and I got a car in XX/XX/XXXX when I was XXXX XXXX XXXX without a job. In XX/XX/XXXX I lost my job and the other party took possession without paying anything and hiding it out and let interest pile up. It started out with XXXX XXXX who illegally garnished my wages in XXXX and then in XXXX XXXX XXXX the individual passed away. The loan was then was taken over by XXXX XXXX and aassociates and then eventually switched over to Velo Law. I have paid XXXX  on this debt. Then, in XXXX ran a vin search to find out the car was crushed in XXXX XXXXXXXX in XXXX. Interest is still accruing and will not provide me with a copy of the summons and complaint. As well as the courts have told me they can provide it because the debt is " too old. '' Someone explain. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached dispute to Equifax on XX/XX/2021 and they haven't respond as they are required by federal law which stated they have to respond in 30 days.
Product: Debt collection

A XXXX XXXX XXXX is damaging the credit report and worthiness by reporting false and deceptive transactions history. Authorization was never given to carmax nor XXXXXXXX XXXX to furnish private source data information or share with a third party. Violation of permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.
Product: Debt collection

My minor child had a medical debt due to a car accident that was paid by the other parties ' auto insurance. Nevertheless, I received a notice from Wakefield & Accossiates saying I owed the debt and it would be reported to my credit report if I did not pay it. I paid it in full so that it would not affect my steller credit. One month later I received a notice in the email from them demanding payment and a threat to report negatively to the credit agencies. I called and spoke to the representative explaining that it had been paid in full, twice! He apologized and told me to disregard the notice. I have received no phone calls/ messages from them since then/mail. Yesterday, I started getting numerous amount of credit alerts, low and behold Wakefield has put this account on my credit reports as a collection. I immediately called them, they apologized and said they were fixing it with the credit agency and sending me a letter of deletion via email. I have received NOTHING. In the meantime they have caused me a hardship, my credit score has fallen for the 700 '' s to XXXX which is only a fair rating. My credit card companies want to lower my lines of credit and I can no longer continue in the search for a mortgage to purchase a home. After constant communication with this company and correction to the financial burden they have put on me, I have no choice but to demand that this be corrected immediately. This should be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened XXXX XX/XX/XXXXon XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened atXX/XX/XXXX XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XX/XX/XXXXon XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and aXX/XX/XXXXopened at XX/XX/XXXXon XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries 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 are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I am disputing the collection account with SELFATLANTIC CAPITAL, account number XXXX, dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SELFATLANTIC CAPITAL, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

I have asked to close my Key Bank Checking account twice ; once on about XX/XX/2021 and again on XX/XX/2021. Both times the Key bank representative, via online chat, said the account would be closed within 5 business days. The account has a XXXX  balance. The account remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info. 

FTC Report XXXX : XXXX