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

According to my research about FCRA 605, Equifax Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXXXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE COASTAL HYUNDIA FAMILY AUTO MART Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Mortgage

In ApproximatelXXXX XXXX XXXX XXXX  my Mortgage Servicing XXXX XXXX XXXX Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to Selene Finance. Selene said they had no record of the loan. It.s has taken until today and we still have no resolution because Selene is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The XXXX  and expense I am going through haven taken a toll and I want it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX they have a balance of XXXX and the company is giving me two different balances one is XXXX Trans Union as account # XXXX, the company as XXXX I have sent a complaint regarding this issue, and have not been corrected. I have sent the issue to all three credit report agencies, and the only one that didn't remove it from my credit report is trans union. XXXX and XXXX deleted it off my credit report, but Tran Union hasn't. they sent me a letter saying that it is verified, but nothing was changed on my credit report. I sent documents showing proof the information was incorrect, but they didn't fix anything, and nothing was changed. I need them to fix the issue. 

XXXX XXXX : # XXXX, XXXX, XXXX, XXXX XXXX  : XXXX, XXXX, XXXX XXXX, XXXX, XXXX All of these accounts were in forbearance ; they were never late and were under a law suite the payment was on a freeze. I have sent them letter after letter they still have not corrected the issue and never fixed it on my credit report. They show they have the account twice on my credit report with two companies. I want them to resolve the issue. They sent me a letter saying they Verified but they didn't do anything to fix yet XXXX has fixed it. 


If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the data is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm submiting this CFPB Complaint to let you know that I've been a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. In violation of Fair Credit Reporting Act section 605b, XXXX and TransUnion Credit Reporting Agency continued to publish unverified information without providing the legal justification that was necessary. The Credit Bureaus have not properly identified and provided any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone permission to view my credit. They have neither removed these inquiries from my credit report or given me a written authorization. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Credit reporting

1. I have previously disputed the XXXX XXXX, Acct number -- -Account Number : XXXX, with Experian. 
2. Experian claims they have verified this account, please see the dispute results attached. 
3. No Credit Card account has EVER been established by me, with XXXX XXXX. No card, was received, no activation occurred and XXXX has NO history of this accounts existence. 
4. Please delete this inaccurate account. 
5. Please provide the Method of verification, along with the Name, Address or other contact details utilized in your investigation.
Product: Debt collection

XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX x XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, American Express Company and XXXX XXXX XXXX, CEO, Delta Airlines instructing them to cancel my Delta Sky Miles American Express account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX was transferred to the FRAUDULENT account, which messed up my XXXX account and will cause XXXX to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, AMERICAN EXPRESS. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
Product: Vehicle loan or lease

Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.
Product: Debt collection

This time I want evidence to support Synchrony Bank/ Mattress firms claim or I am filing a civil law suit in my local court. I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a XXXX XXXX XXXX complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XX/XX/XXXX is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in Ohio my entire life except for when I moved to Texas at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit . My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not identity theft.
Product: Debt collection

The date was for XX/XX/2020 and the debt was for {$270.00} and wasn't aware that I could dispute this debt. The  XXXX Hospital  charged off my balance in XXXX of 2020 and did not make me aware that I had the right to dispute the charges there was no documentation that I had signed stating that this debt was owed to me.
Product: Debt or credit management

Since XX/XX/year> i enrolled by mistake in the big Scammer company as i ever see in my life Freedom Debt Relief ( XXXX ), and they call me every single day to offer me consolidated my debts to save about a 50 %. Now when i revised my dedicated account after XXXX moths and made a deposit of {$15000.00}, and the remain balance of my debt enrolled of {$17000.00} in XXXX enrolled debts, and XXXX resolved for {$11000.00} with XXXX upcoming of {$4800.00} the number are different from the beginning offer with {$21.00} fees, then increased at {$31.00} but they hide to me the scam and charge me every settlement with a fees biggest of the amount they said as reduction to date of {$6200.00}. 
im feel very upset how this delinquent and thief company cheat the people and stole very easy the fund to delay the process and XXXX the credit of the clients because of their deceive practices. the number are clear on the attached documents i want they close my dedicated account and reimburse to me all the marked settlement fees stolen total {$2100.00}, they cheat on me like a fool and never advised me about this scam, now my debt is bigger from the beginning so i want the government help me to resolve this fraud. 
thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Today on XX/XX/year> I deposited a check in to the wellsfargo atm for XXXX cents and the atm messed up my deposit and put it for XXXX and the bank isnt fixing it or giving me the money that is owed to me when their atm messed up they only filed a claim and said they might give me my money back when this is a check from my lawyer for my settlement and waited XXXX years for it and want my money put into my account
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX - XXXX, I XXXX XXXX - XXXXXXXX XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX - XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX  "
Product: Credit reporting

On XX/XX/2017 Transunion had removed the following items from my credit report : A collection account from XXXX {$230.00} Inquiries from : XXXX No proper notification of the deleted information being reinserted was provided and per the laws that protect me as a consumer this is a blatant violation and I demand that the items swiftly be removed from my credit report and all adverse effects to my credit history be remedied immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXXXXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Money transfer, virtual currency, or money service

Hello, I would like to submit a complaint about Binance.us, I transferred cryptocurrency into their exchange around XXXX of 2020, I submitted by identify verification documents around that time as well. The verification is still pending as of today. I submitted multiple support requests 2 months ago and have not received any commutation from them other than a question from their support team asking if I still needed help. I have over {$10000.00} on my account at Binance and can not transfer or do anything with the money because my identity has not been verified. I submitted all requested documents and was verified when US users could use Binance.com.