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

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that accountXXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX. Im requesting for XXXX  XXXX  to be removed as well for reporting illegally according to the IRS.
Product: Money transfer, virtual currency, or money service

I am a us customer, I got abruptly locked out of my Binance act. I only need access to withdraw my funds! 
I can't get submit a ticket I only get the same message from the Bot : Per our Terms of Use ( https : //www.binance.com/en/terms ), we are unable to service restricted users and regret to inform you that we have suspended our service to you.

If you still have funds in https : //Binance.com, please log in to your account, click the " reopen '' button, and withdraw all your funds within the next 72 hours, failing which your account will be locked indefinitely and offboarded.

For holding and trading crypto assets, we recommend secure crypto wallets such as XXXX XXXX, or other platforms such as https : //Binance.US. We appreciate your understanding and thank you for your support.

YET there is NO REOPEN button! I can't get passed the initial login before I am told I am denied access because I am a restricted user and that my account is permanently closed! ( see screenshot attached ) PLEASE HELP - I only need to withdraw/transfer my crypto coins
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby file this CFPB Complaint regarding a fraudulent entry on my credit report, which has surfaced recently. I did not authorize or participate in this entry, and it has significantly damaged my credit score, causing severe financial harm. Although I have made considerable efforts to challenge this fraudulent account with both the credit reporting agency and the creditor involved, their response has been unsatisfactory. Despite providing compelling documentation and evidence of the fraudulent activity, this account remains on my credit report, inflicting ongoing damage on my credit score. I am convinced that the fraudulent account resulted from identity theft, and I am deeply concerned about its potential long-term consequences on my financial well-being. I, therefore, formally request that the Consumer Financial Protection Bureau investigate this matter and take immediate action to ensure that this fraudulent account is expunged from my credit report, and my credit score is restored to its previous level. Specifically, I insist that the following account be removed from my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00}. The fraudulent account on my credit report comprises a credit account that I did not open, as well as various charges and loans that I neither initiated nor received. Its total amount is significant, and its impact on my credit score has been negative.
Product: Credit reporting

The Dispute Number XXXX is for an Equifax case file. 
I have a bankruptcy, XXXX tax liens and a judgment listed on my Equifax credit file as a result of a business closing in 2009. My XXXX file also lists the bankruptcy and XXXX tax liens. None of the issues are on my XXXX file. The issue is that my former employers business debts, and taxes were added to my personal credit file after the business closed in 2009. I have tried unsuccessfully since 2009 to have the errors corrected. The XXXX ( California Tax department ) and original judgment creator ( XXXX XXXX XXXX ) have tried numerous times to reverse the errors on my behalf. I have contacted Equifax and XXXX by phone, fax and mail, sent copies of my bankruptcy filing, and released tax liens, and the only responses from the bureaus was that the information was verified that it belonged to me. I can not dispute that the information belongs to me as it is associated with my social security number, even though the company that I worked for was a California Corporation. My dispute is that the debts were attached to me personally in error, forcing me to file bankruptcy.
Product: Debt collection

Canceled lawn care services in XX/XX/2021 and received cancellation confirmed number. They continued to send technicians for 2 additional treatments after the cancellation date. Informed technician that service was canceled but he continued to spray the weeds. I can provide a copy of the emails with cancellation # dated XX/XX/2021. I do not plan to pay for any service performed after that date.
Product: Debt collection

to whom it may concern : Under federal law any collection company must posses : a contractual agreement with original creditor that you have the right to collect this debt, must have original document with my signature on to validate this debt, proof of debt original contract, if you have to request this to the original creditor it means you don't have it therefor you are reporting this account illegally, violating federal law, I am a litigious consumer and I with enforce my right, I know that I can request monetary retribution damage for your illegal report. Please remove this report from my credit or I will pursue monetary retribution. Thank you for you quick responds.
Product: Mortgage

I reached out to my current lender, XXXX, in XXXX due to challenges with paying my mortgage. My domestic partner suffered a XXXX XXXX in XXXX and another in XXXX that contributed to our financial struggles. His temporary inability to work combined with growing bills and living too close to the boundaries of our means put me in a debilitating financial bind. I reached out to my lender per the advise of my family. I explained my situation and was informed that there was a forbearance option that would allow me to temporarily suspend my payments for up to a certain amount of time until I was able to get on my feet. I completely understood that I still owed that money, but didn't realize it was creating a whole separate lien on my house. I remember being advised that we would be able to move the missed payments to the end of my loan and 'roll it in ' to my existing mortgage. That was what I thought I was doing. I have been paying my mortgage again since XXXXXXXX XXXX XXXXXXXX and haven't missed any payments, I actually pay a little more each month than that minimum payment. I was refinancing my house because I need to replace my roof. The estimate I received was for {$20000.00} ( which I do not have ). I reached out to my loan officer to see if I would be able to pull from my equity and this is when we discovered what is going on. I really don't know what to do. I truly do understand that I owe this money, but what I didn't understand was that this was going to be treated as a separate lien and how it would affect me. I really thought it was being added to my existing mortgage. I am looking for some kind of help. Can I restructure the lien? Is that even possible. I am truly desperate and trying to do the right thing.
Product: Checking or savings account

I put XXXX XXXX dollars on my chime card XX/XX/ and like 30 minutes someone from XXXX XXXX sold my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I dont recognize the following accounts. filed a dispute with Equifax and it has been over 30 days since their investigation I'm demand that these accounts are deleted from my report asap.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect addresses XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

TV is everything in accordance with The Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX 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 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Product: Debt collection

My consumer credit transaction was with XXXX XXXX ( a ) 2 I have no contract with TRUIST. I sent TRUIST a validation letter to validate the alleged debt within 5 days of the first correspondence 15USC1692g, because I believe it was a billing error 15USC1666 I gave them 30 days to validate the debt and I have revived nothing but threats of theft of my car and harassing phone calls 15USC1692d. I also never gave written permission to report this alleged debt and ruin my reputation 15USC1681. In accord with the United States Codes mentioned in the time frame given please cease all collections
Product: Checking or savings account

The complainant was fraudulently charged ( {$100.00} ) for event tickets by XXXX XXXX on Thursday, XX/XX/XXXX. Ally Bank uses XXXX to process payments. I sent the electronic funds via XXXX at XXXX EST on XX/XX/XXXX. When the seller of the event tickets failed to send the tickets, I immediately notified XXXX who stated I needed to follow up with my financial institution ( Ally Bank ). I immediately notified Ally Bank via chat and was told to call and file a case. While on hold with Ally Bank I disputed the transaction on the Ally Website. 

Unfortunately, the Ally Bank phone system ( XXXX ) only directs the consumer to the vehicle loan division and does not properly route callers to the Ally XXXX Bank division. I was hindered in my interaction with Ally Bank due to the limitation of their phone system. 

I did dispute the transaction via the Ally Bank website and without notice, discovered the dispute was closed without any follow up or written communication. 

Attached is the chat log with Ally Bank representatives. 

XXXX - XXXX XXXX ( XXXX ) Email - XXXX XXXX
Product: Debt collection

Company shows up on my credit I request dispute and request the company validate this debt.
Product: Credit reporting or other personal consumer reports

TransUnion is continuing to report inaccurate reporting a on my credit report. I am a victim of identity theft I have filed and also sent them a copy of my police report and my identity theft affidavit. Transunion has not thoroughly investigated my report. They are in violation of FDCPA, ECOA and FCRA. I have been disputing these violations up to 1 year.
Product: Mortgage

I enrolled with XXXX XXXX many years ago ( XXXX )? and have never received any documentation about my payments, despite asking repeatedly. I have now discovered that they were not making accelerated payments as described in their literature/contract, and I have not made headway on my mortage as expected. I have since dropped out of the program but want to ensure that I am part of the agreed upon settlement between the company and consumers.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED MY FEDERALLY PROTECTED 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 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 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. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : XXXX XXXX Bankruptcy Case Number : XXXX Remove this bankruptcy from my public record
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Mortgage

XX/XX/2021 I XXXX XXXX request help concerning my refinance by Wells Fargo Mortage that is being handled with total incompetency, rudeness, lies, and riddles of total confusion. I need a straight and truthful answer concerning my loan estimate ; also I need a copy of my appraisal for my review. I have been treated like my request for cash out refinance for my home is not even important. I have to constantly babysit my loan process. All of my information that was requested was turned in promptly after I was treated like I was to ignorant to comply, I tried so hard to inform the representative that all of my funds were deposited directly to a XXXX XXXX card and not a bank, I was still pressured and told to walk in a bank and request a bank statement. A decision for my cash out amount was made already. I still have not yet received a copy of my appraisal for review to see if my house even received a far market amount I was told that the appraisal had been uploaded and the amount was XXXX. I have to practically beg for everything. I was even told buy a representative who said " I don't have time to call you all day ''
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXXAccount Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX XXXX2020 Verification letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report
Product: Debt collection

In XXXX, XXXX, I received a collection notice for a debt that is not mine from Credit Management , L.P., of XXXX Texas for a Creditor account from XXXX Cable for {$1000.00}. After a quick review of a credit report I found the fraudulent creditor debt was listed so I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and latter fraud report to the XXXX, NY Police. I then began contacting Credit Management, and alerting XXXX, XXXX, and XXXX of the fraud. 

On XX/XX/XXXX, I sent a Certified Delivery letter arriving XX/XX/XXXX, to Credit Management, informing them of the identity theft, and as they were the party who furnished the information to the agencies, requested documents pertaining to the fraud including applications, statements, addresses, phone numbers, and investigator 's report concerning the account. And, as they were the source of the incorrect information in my credit file, I additionally requested a letter explaining to me their actions taken to fulfill their responsibility to stop collections, as well as correct their reporting to the credit reporting agencies. To date, XX/XX/XXXX, I have not received a reply from them. 

Having spent considerable effort to file fraud and extended alerts, and security freezes, to safeguard my identity I want their detailed report regarding my requests to ensure they have rectified the issue caused by their collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily allowed the XXXX  to be repossessed in XXXX of XXXX and even after several attempts to get them to change the status of my account, they refuse to do so. The continuously update my account to current, so that I remain 30-45 to 180 days late on my account, preventing me from making any strides on my credit at all. The status is listed as open, even though the vehicle was repossessed by them and probably sold again. I can not even get a va home loan until this is resolved. The company is also using a pseudo name for some reason. It's actually XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian for committing identity theft, I have never given Experian any permission to use any of my identifying information. in accordance with the Fair Credit Reporting act 15 U.S.C 1681 section 602 ( a ) ( 4 ) States I have the right to privacy. Accuracy and fairness of credit reporting. 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. They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Previously, I experian via certified mail on XX/XX/XXXXXXXX  that the account in question ( XXXX XXXX Account # XXXX ) was inaccurate they responded that they verified this information. 

The company is also aware that this account is fraudulent so I know that experian did not verify this information with XXXX XXXX. 

So I then requested he method of verification through CFPB Complaint # XXXX on, XX/XX/XXXXXXXX  then another CFPB complaint # XXXX on XX/XX/XXXX. 

Each time Experian blatantly ignored my request and violated my rights under the fcra to know the exact method of verification with the exact documentation they have on file that verified this, or to know who they spoke with and on what days and time. Further they completely ignored my rights to have this information supplied in 30 days as it has now been over a year!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information. 

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation.

Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.