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

Upon a review of my credit reports with XXXX, XXXX, and Equifax, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. Disputes filed with XXXX, Equifax, and XXXX all came back as " verified as accurate ''. I received a letter from XXXX on XXXX dated XXXX that is IDENTICAL to the two letters received previously. As XXXX claims that I purchased items with this account and made payments on it, and that those reasons caused them to determine that this account was mine, I requested evidence of the orders made, proof of delivery, and documentation of any payments made on this account. This request has clearly been ignored in order to mail a generic, cookie-cutter letter in an attempt to stall me. If this matter is not resolved soon, I will be seeking legal remedies.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/XXXX and XX/XX/XXXX, also XX/XX/XXXX. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : 11 Please update- All New Reporting Information to- paid as agreed and current 11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

16. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

XX/XX/XXXX I received a collection notice from Transworld Systems Inc. attempting to collect a debt from a creditor named XXXX XXXX. Upon contacting Transworld Systems Inc . I learned that XXXX XXXX is an anesthesiologist group. On XX/XX/XXXX I had a XXXX at a facility that was approved by XXXX XXXX. This medical procedure is covered XXXX % with our company 's medical plan. I was never notified of any outstanding balances from any doctors, labs or the facility until this collection letter on XX/XX/XXXX. When I contacted the agent for XXXX XXXX she stated that XXXX XXXX was not on XXXX XXXX approved list. XX/XX/XXXX I contacted the Dr. 's office and was told by the insurance person that it was n't their responsibility to check to see if the XXXX is on an approved insurance list. She also stated she has received approx. XXXX calls relating to these collection letters. During her attempts to contact XXXX XXXX she found out that this company went bankrupt therefore all telephone # 's were disconnected and that Transworld Systems Inc. refused to disclose any information to the Dr 's office. In the remarks column on my claims & statements from XXXX XXXX it states " SERVICE NOT COVERED NO AUTH - PROVIDER RESPONSIBILITY. Prior to my procedure the Dr 's office assured me that my procedure was covered by XXXX XXXX as well as their facility and Dr 's. I do not believe it is the patients responsibility to have to further check to see if anyone or anything else is n't covered. Another factor that I noticed is that the amount Transworld Systems Inc. is attempting to collect is {$530.00}. The actual unpaid bill that was submitted to XXXX XXXX was for {$510.00} discounted to {$240.00} with the member discount. The {$530.00} is not my responsibility nor do I intend to pay it. If I had this procedure done at a hospital it would not be up to me to check out if each medical dr. or lab is covered by my health insurance. The hospital submits the insurance information and gets the approval to go forward with all procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I mailed a letter about questionable accounts on my credit report. It has been past the time that the FCRA allows for an investigation and I still haven't received any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report, please remove these inquiries I never asked to get any accounts or loans with these companies. 

Thank you so much for your help I know with covid its been alot and barely any employees anywhere so things are taking along time.
Product: Mortgage

Lender : UWM New home purchase : XXXX Upcoming Taxes paid at closing Location : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX Hello I purchased my home with all upcoming taxes paid at closing. 
There was a tax bill due in XXXX. 

It wasnt until XXXX I discovered it had not been disbursed for payment. 

Sent email to lender to which in their confusion they stated I would need to pay out of pocket. I had to furnish all applicable documents highlighting the monies already paid into escrow to cover the taxes. 

After much back and forth they apologized and stated they would pay the unpaid delinquent taxes. 

It is now XXXX. My home has been purchased in a tax sale because UWM has made error after error and no corrective action has been made to protect me against a unpaid tax sale.

I have spent many hours via phone and email attempting to get UWM, the subject matter expert to correct their error with no resolve. 

In this time I have had anxiety and sickness due to their callousness and lack of professionalism in this matter. 

Ive been left vulnerable and now I am facing someone buying my home out from under me because of their wreck less and unethical behavior. 

I need help. I am not a subject matter expert in this field. I feel unprotected and attacked. 

Regards XXXX XXXX
Product: Credit card or prepaid card

Credit card company Goldman Sacks mailed Apple credit card not applied for by myself. XX/XX/XXXX collections called requesting payment for {$32.00}. I tried to pay at that moment but was told I was not able to do so. I requested the land address to mail payment to Apple. I was provided case number XXXX and mail to Goldman Sachs Bank USA, XXXX XXXX XXXX Branch XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I mailed this {$35.00} check to that address and as of today they say It has not arrived for processing. The time and efforts put into this at the point is such that I personally resent this time spent on this matter. Today I provided Goldman Sacks with the number of the check and the day it was written XX/XX/21. They are continuing to hound me for the {$32.00} payment. They suggested I fill out this complaint as not initiating this account could indicate fraud regarding someone filling out the application in my name and activating the account when I did not activate it. But someone did. Today the {$32.00} remains outstanding. Please help to clarify my situation, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I went to a stand alone M & T ATM at XXXX XXXX XXXX, in XXXX, NY XXXX, to deposit {$300.00} dollars. Almost immediately, there was a problem with the transaction. My deposit was not processed and the ATM ate the {$300.00} in cash. I immediately called the number on the ATM ( XXXX ). The representative informed me that they could not transfer me to customer support as they were closed for the holiday ( XXXX XXXX ) and that I would need to call tomorrow. I called the next morning and opened a dispute. They offered a {$300.00} dollars provisional credit while they investigated. As of XX/XX/XXXX, I received a letter from M & T that following the investigation, that the {$300.00} provisional credit they gave me would be reversed. I called customer support to see how they possibly could have came to this conclusion. They informed me that the ATM is " self managing '' meaning that it keeps track of its own money, and that if there was extra money in it, that it would show it. This is an issue because as we all know, computers make mistakes. I was there. It ate my money. This would also be clearly visible on camera which I do not believe was checked, I escalated it to a supervisor who then changed the story to " Well we send someone out to count the money to check for overages ''. This again is not satisfactory due to human error. I also don't believe they did this, but that is besides the point. I was then informed by the supervisor that there was " Nothing more they could do '' for me and that there was no other way to escalate this. He stated he could open a complaint with customer care, but that there was " no guarantee '' they would even reach out to me. So now, I am out {$300.00} dollars of my money with no resolution. I have been an honest and loyal customer of M & T since I opened my first savings account. This was not investigated to my satisfaction and I am not letting this go. If submitting this complaint does not bring me a satisfactory response and resolution, they will not only lose a valued costumer of upwards of a decade, I also plan to take legal action. I also have no problem publishing my story to the local news and media outlets, as I am sure I am not the only one who has experienced this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a list of inquiries : 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 or 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I purchased cashiers check for my sister in the amount of {$160000.00} from the First National Bank of PA in XXXX XXXX XXXX, MD. On XX/XX/2022 my sister informed me that the cashiers chased check and an amount of cash had been taken from her vehicle on XX/XX/2022. She stated that she contacted the police. On XX/XX/2022 I notified the First National Bank of PA in XXXX XXXX XXXX MD to request a stop payment on the cashiers check. I also contacted First Nationals customer service on the same evening of XX/XX/2022. On XX/XX/2022 I again contacted XXXX XXXX XXXX First National Bank. I asked to speak with the manager. The teller told me that she was with a customer who was opening an account. I called three times throughout the day to find out the status of the stop payment. Each phone call only revealed that they were working on it. They were busy with customers and could not locate the paperwork needed to proceed with the stop payment. Apparently, I need to sign an Addendum Form which states that the check was stolen, and it would need to be notarized. They would mail it to me. They are aware that I now reside in XXXX since I informed the teller when I made the first phone call. I asked them why they would not email it to expedite the stop payment. On XX/XX/2022 I again contacted First Nationals customer service. The customer service person stated that she would email the XXXX XXXX XXXX office with the complaint. I was informed by customer service that the complaint was forwarded to their fraud department for review. On XX/XX/2022 I again contacted XXXX XXXX XXXX XXXX XXXX. The teller stated that they are still working on it. I asked to speak to the manager. I was informed that the manager was in training. The bank did not contact me on XX/XX/2022. I contacted the First National Bank in XXXX XXXX XXXX on XX/XX/2022. They stated that they would send an email to the fraud department. I requested the fraud departments phone number. The bank told me that they did not have a phone number for the fraud department. So, I requested an email address for the fraud department. I was told that they could not provide the email address. A week later and I still do not have the forms to sign so the bank may proceed with the stop payment. Any assistance would be greatly appreciated.
Product: Credit reporting

My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  acct # XXXX Balance : {$10000.00} XXXX  XXXX  acct # : XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX Balance : {$8200.00} 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. 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 a 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 agency 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 have informed Experian, multiple times, that an item on my credit report from XXXX XXXX XXXX XXXX  is fraudulent. The latest report number is XXXX ( XXXX XXXXXXXX XXXX XXXX  account number XXXX ) and the item in question is for {$340.00}. Both Experian and XXXX XXXXXXXX XXXX XXXX  have been notified, in writing, with a letter provided by the Federal Trade Commission ( IdentityTheft.gov ) that the {$340.00} account is a result of XXXX XXXX XXXX XXXX fraudulently obtaining my personal information. Experian claims to " verify '' the debt, but all they do is ask somebody else if the information is correct and the other person says, " Yep, it's correct '' and then they close the dispute. We've already established that somebody else has my personal information. Yes, XXXX XXXX XXXX XXXX have my personal information. Repeatedly asking them if they have my personal information isn't verifying anything other than they have my personal information. I have requested, in writing numerous times, that Experian and XXXX XXXXXXXX XXXX XXXX  provide actual proof in the form of a signed and dated contract for the {$340.00}. They have yet to provide this evidence. They have specifically been requested to send me copies of " Signatures on application and accounts '' through the official letter provided through the Federal Trade Commission. They have yet to do so. 

Also, Experian keeps requesting that I call them even though I have told them, numerous times, that I do not speak on the phone and that I'm available through text, email, or US mail. They have now blocked my access to information with a statement that I must call them. I have informed them that I have a XXXX that precludes me from speaking on the phone, but they keep insisting that I speak on the phone. Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems decided to exempt themselves from the federal law and just refuses to give me my Chex system report in accordance with the federal law.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and amend to disputed accounts, as XXXX, XXXX and Equifax 's inaction violates Federal law and my rights as a consumer.
Product: Debt collection

The original creditor is XXXX XXXX. I open up my account with them on XX/XX/XXXX paying first bill in advance. By the time I receive the next bill I had canceled my acct with them and went to another provider. They sent out my last bill owing XXXX dollars. This was at the beginning of XXXX. The credit bureau is reporting a debt from XX/XX/XXXX for XXXX dollars and charged off. This account shouldnt be charged off. This acct only had a XXXX balance. And its not that old. Plus, the debt collectors never sent me out notice or gave me a chance to pay before putting it on my credit as a charge-off it just doesnt seem fair.