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

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  I need you to please comply with the Federal Law, fair Credit Reporting Act section 605b, and remove the disputed accounts and information off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX XXXX XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and Equifax and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an electronic dispute request to have a few accounts removed from my credit report where I am listed as an authorized user only. One is showing with XXXX XXXX XXXX and the other is with XXXX XXXX XXXX XXXX. 

Nothing has been done to have these accounts that I am not responsible for removed from my credit report. It has been well over the allowed 30 day period and I need to have this resolved.
Product: Credit card

Subject : Formal Complaint Regarding Data Security Practices for XXXX XXXX XXXX Applications I am writing to formally express my concerns regarding Synchrony Visa credit cards application process, specifically the requirement for customers to upload a copy of their government-issued ID, including both the front and back of the card, as well as the barcode, for verification purposes. 

While I understand the need for verification in financial services, I am extremely concerned about the potential risks to my personal information as a result of this practice. It is deeply troubling that such sensitive data, including a government-issued ID with all the personal information it contains, is being collected and stored without adequate assurance or proof of data deletion once the verification is complete. 

In an era where data breaches and cybercrimes are rampant, this practice raises serious concerns about the safety and protection of customers ' private information. No other credit card provider that I am aware of requires such comprehensive and intrusive documentation, making Synchronys approach especially alarming. The absence of transparent information regarding the protection, handling, and deletion of such sensitive data after the verification process only exacerbates these concerns. 

To ensure that customer data is not unnecessarily jeopardized, I request the following : Clarification on the specific measures in place to protect the data collected during the application process. 
Proof or assurance that all sensitive customer data, including scanned copies of government-issued IDs, is deleted securely after verification. 
A review of your application process with a focus on reducing the exposure of customer data to unnecessary risk. 
I hope you take this matter seriously and take immediate steps to address these concerns, ensuring the safety of your customers ' personal information. 

Thank you for your prompt attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX    XXXX   XXXX  was paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the  XXXX   XXXX  more than two months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from  XXXX   XXXX  showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX SYNCB/Amazon inquiry from XX/XX/XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts and inquiries resulting from this breach. 
Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$11000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I tried to contact this agency a bunch of times to get the written agreement and also a letter and a 1099c and didn't know I was able to dispute the debt they've contacted me even when I was in basic training but was unable and once I've passed I made payments monthly but never received a letter to confirm my payments or agreement and was never informed I can dispute it. Also the fact that the amount I was owed was different from what I actually owe. I tried calling them back and when they finally answered they tried to either charge me more from some different account. Or just hang up on me
Product: Credit card

My father is a Chase cardholder. Last year ( unbeknownst to myself and my father ) Chase issued a card to my name XX/XX/2015 ( it could 've been XX/XX/XXXX but if I remember correctly from what their rep told me it was XX/XX/XXXX or XX/XX/XXXX ). XX/XX/2015, I XXXX ( my father 's daughter ) received the physical credit card in the mail with my name on it. I was under the impression that I had been approved for a credit card with Chase until one month later my father said he has charges showing on his billing statement that he did not authorize. I looked at it and saw that they were charges I made and apparently " my '' Chase account was not really mine but my father 's, and I was obviously an approved user added to his account. My dad has refuted this action as he has told me and the Chase staff that in no manner, shape or form did he request to add me to his account prior to this incident ( XX/XX/XXXX ). For whatever reason Chase had issued my dad a card to me ( his daughter ) without my dad 's express consent. They have been calling seeking payment for these charges but my dad ( and he is a military vet and in his XXXX 's ) very firm about being held accountable for something he is not liable for ( unauthorized purchases ), and especially stemming initially from an unauthorized action taken by Chase Card Services. The company has informed me that they too, are concerned about this " unauthorized '' issuance card matter and would investigate and get back to me. For several months I 've not heard from them. And just today they called me and said 'Oh bad news, but your dad 's account is beyond resolve, unfortunately, we have to forward ( or have forwarded ) to collections. ' But I said 'Quite odd, I had been waiting all this time and you never got back to me. ' Oh well, we are telling you this is no fraudulent activity surrounding the purchases on this card or issuance of the card but clearly your dad called and requested to place you as a cardholder- no other explanation. ' ( Even after I told them that my dad had previously spoken to customer care and stated that he did not request issuance of card..still they insisted that my dad did call and request or they believe my dad " forgot '' this detail. This is utterly absurd-negating the facts. Also they said they could not provide evidence or date and time my dad called to request issuance of card. ) I feel that they had not proceeded this matter with collections but because I had stated today that if their fraud department could not assist ( as they stated they would get back to me ) that I would have to contact Better Business Bureau or a consumer rights attorney and learn what my rights or protections are available to me and my father. 

I need your help please! 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   Stanislaus Credit Control XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau. ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX. XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Vehicle loan or lease

I financed a XXXX XXXX through Hyundai Motor finance on XX/XX/XXXX and made final payment on XX/XX/XXXX. As of date I have notified by personally calling said finance company to get the lien released. As of todays date XX/XX/XXXX I have been unable to get the necessary papers from them to release the lien and therefore receive a clear title for my car. After numerous phone calls and still unsuccessful, Im asking for your help to get this company to release the lien on my car.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a medical debt showing on XXXX XXXX and XXXX from Commonwealth Finance for {$800.00} for services rendered at XXXX XXXX XXXX. I did NOT receive any services from this establishment, nor I have signed any documents stating that I am responsible for any bills for myself or anyone else.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Product: Mortgage

In XXXX of XXXX, My wife and I purchased our first home. The Mortage company assigned to us was 'Lakeview Loan Servicing LLC XXXX ' As required, we bought Homeowner 's insurance through 'Progressive Homesite ' and our monthly mortgage payment included our Principal/Interest payment as well as taxed and mortgage. I have been making my payment in full, plus a small additional amount to round out the payment to an even number ( {$1500.00} ). 

I received a letter in late XX/XX/XXXX from XXXX ( Lakeview Loan Servicing LLC ) dated XX/XX/XXXX stating that I was going to be forced to get Lender Placed Insurance because my " Hazard Insurance had expired. '' I had assumed that the insurance expired since it had almost been a year and was just in need of renewal. I called XXXX that afternoon to get clarification. XXXX told me that my insurance had been canceled LAST XXXX due to a claim I had placed ( My car was broken into at home and tools and school books were stolen. ) XXXX claims to have sent out a letter of cancellation as well as a refund for approximately {$500.00}, but I had not received either! 

I called XXXX back for clarification on why they are JUST NOW telling me that I do not have insurance and to find out where all the money for insurance in Escrow had been going since cancellation. The XXXX employee was surprised that they hadn't realized the lack of insurance sooner. The employee also said that the money was sitting in escrow and had not been paid to an insurance company since the insurance had been cancelled. I was told that I just needed to find new insurance and to call back with the information. I had calmed down and I was just grateful that nothing had happened to the house during the period we did not have insurance. That night, I acquired homeowner 's insurance from XXXX. 

On XX/XX/XXXX, I received another letter from XXXX thanking me for getting new insurance. In this letter, they state that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and an insurance charge of {$950.00} will be placed on my account for the period of time that their lender placed coverage was in force. 

XXXX 's first notice and contact of possibly placing lender 's insurance on me was dated XX/XX/XXXX of XXXX. Now they are retroactively charging me for services THAT WERE NEVER RENDERED.
Product: Mortgage

For the past 6 months I been calling the company with problem. Not one time have they told me I was underpaid in anything. Now they saying I owe them XXXX dollars more than my fixed interest rate contract without notify me until the very end of XX/XX/XXXX. I call them on XX/XX/XXXX with question and they did not say i was underpaid. I want a refund of XXXX back
Product: Money transfer, virtual currency, or money service

My Transferwise account was terminated without explanation. My appeal was denied.
Product: Debt collection

The debit in question is from XXXX XXXX XXXX XXXX XXXX where a Doctor has used two different company names under which to collect a debit twice. The doctor XXXX XXXX has used both XXXX XXXX XXXX and XXXX XXXX group to collect on the same debit twice. So therefore he got paid by the collectors twice and then turned my information in to two different agencies to be collected on twice. The agencies are Phoenix Financial XXXX # XXXX and XXXX XXXX XXXX # XXXX The date in question is XX/XX/XXXX. I was never send a bill for this and I had XXXX XXXX insurance coverage, which if I would have gotten a bill from the hospital or doctor in question I would have paid it. This has ruined my credit and I have had a flawless credit prior to this. I have paid numerous other medical bills in my past with no issues such as this. After researching this extensively, This doctor is being fraudulent and unethical by trying to get paid twice for a situation that I have zero proof of initial billing from him. The collections were filed XX/XX/XXXX which is unheard of and Tactic to further damage my credit during one of the hardest times we are facing as a country. Ironically he attached this to my credit the same day as my credit was pulled for a mortgage further damaging my credit. My credit was pulled on XX/XX/XXXX and this was attached on XX/XX/XXXX. These companies are reporting this every 30 days without ever attempting to notify me each 30 days. This has effected my score from a XXXX to a XXXX because of this blatant misuse of debit collections.
Product: Credit reporting

On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCS collection vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with XXXX XXXX XXXX has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 3 different dates for Date last active. This is in Violation, and needs to be removed from my credit report. 
XXXX reports XX/XX/XXXXXXXX  reportsXX/XX/XXXX Equifax reports XXXX