23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Debt collection

Dear Sir/Madam, XXXX ( healthcareinc ) is attempting to collect a debt. Their tactics are either laughably incompetent or connivingly sinister in their methods. 
I received a letter of collection from them that clearly stated how to pay. I WILL NOT REGISTER with them or call them, I believe every transaction and communication should be documented in writing. 
When attempting to pay at XXXX XXXX XXXX I was unable to do so. The account number had ambiguous text or numbers, and even what looks like capitalized and lower case letters. After trying every single possible variation ( even improbable ones ), I came to the conclusion that they do not want you to be able to pay using their " Want To Pay Without Enrolling?, One-Time Payment '' option. Interestingly, there is NO WAY to contact them by email or messaging. Please try to connect to their website with the information on the letter they sent me, I'm sure you'll find it to be impossible. If this company has the ability to place a derogatory mark on one 's credit history, then some minimal level of competence should be met, otherwise it SHOULD BE ILLEGAL!

I shudder to think what additional information they may have and in what ways they may be misusing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone stole my personal information to open a checking account with   XXXX   XXXX   XXXX   :  XXXX , the account do n't belong to me. I have disputed this matter with   XXXX   XXXX   numerous times and have sent   XXXX   XXXX   a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with   XXXX   XXXX   XXXX  .  DOB  :  XXXX / XXXX /  XXXX  , SSN :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this already and my background check still came up as a fail. 
I never used the name XXXX- but received mail in that name It also says one of the addresses in incorrect- I cant remember which one. 
How do I pass this? I am not a criminal. I was fired from XXXX XXXX  because of the failed background check
Product: Debt collection

hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX  XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX  posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account being associated with me. As a victim of identity theft, my personal information was used fraudulently, resulting in this item appearing on my report despite having no connection to it. Following TransUnion 's instructions, I filed an FTC report and submitted it along with supporting documentation. However, the fraudulent item still remains on my credit report, causing ongoing frustration and stress.
Product: Mortgage

CATHAY BANK MORTGAGE DEPARTMENT I had a mortgage serviced by XXXX that was bought out by Cathay Bank over a year ago and it has been an absolute nightmare. 

Firstly they ported over all of my information incorrectly and the app and website do not allow me to fix it. Secondly they do not have a phone number for their mortgage department so they are not helping customers with any mortgage related matters despite having the product. 

They have not given me my 1098 which they are obligated to do by law so that I can file my taxes and I have asked on numerous occasions that they provide it.

I have called over 10 times from XX/XX/2023 - XX/XX/2023. I have also messaged back and forth with the customer service on the mobile app from XX/XX/2023 - XX/XX/2023 and emailed the address they redirected me to after refusing to help me on XX/XX/2023 & XX/XX/2023. They told me I should get a response in 48 hours but no one has responded. 

They tell you to email this address : XXXX and someone will get back to you in 48 hours but this is not the case. 

The retail bank customer support says mortgages are a different department with no phone number and also refuse to help. It is absolutely ridiculous. 

Right now I am trying to figure out what other course of action I can take. They wont make my 1098 available online or email it to me. None of the contactable costumer service people are in the mortgage department so they say they have no authority to help me with anything.

One customer service rep said the mortgage department is in absolute chaos and not responding to anyones emails right now. This is completely unacceptable. What am I supposed to do?
Product: Credit reporting or other personal consumer reports

noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.
Product: Debt collection

XXXX XXXX aquired my information from SYNCHRONY BANK without my consent and the original contract with my signature. This account was opened in XXXX and in XXXX it makes XXXX years to be deleted but its still on my account in XXXX. I have wrote certified letters to each bureau and nothing has happened.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 a 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 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 contacted  Capital One  on numerous occasions, regarding the issue of unauthorized inquiries from their company on all three of my credit reports. I faxed my first letter dated     XXXX   XXXX   XXXX       and asked them to remove the inquiries and to also forward any documents that showed I agreed to apply for their credit. I did not apply for their credit and I suspect this is a result of fraud.  <P/> They replied with a letter, dated    XXXX   XXXX   XXXX     , which did not address my issue. Instead, their letter explained the different types of inquiries on credit reports. Capital One did not investigate my issue at all.  <P/> I mailed a second letter dated   XXXX   XXXX   XXXX    . Capital One sent a letter back dated   XXXX   XXXX   XXXX    . Not only did they failed again to address my problem, but they sent an exact copy of the first letter. I highly suspect my letter was not looked over by a reputable representative.  <P/> I finally called  Capital One on    XXXX   XXXX   XXXX     and spoke with an agent. They were able to pull up an application with my information. They told me I had to call in the next day since my application was in their " archives, '' and it could take up to  24 hour s to access the info in order to remove the inquiries from my reports.  <P/> I called back   XXXX   XXXX   XXXX    . I was unable to reach anyone since their lines were busy.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and seen some inquiries that are not mine
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. XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account 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 a 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 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 am filing a complaint with XXXX  because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with Transunion because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX Bank that they were contacting XXXX, XXXX, and Experian to let them know that ai closed my account in good standing yet XXXX  and Experian refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX - XX/XX/year> I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate credit reporting by XXXX XXXX on my account # XXXX. On XX/XX/2024, I sent XXXX a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that XXXX remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. XXXX again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

XXXX ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, BBB, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.
Product: Credit reporting or other personal consumer reports

someone is using my identity to get a student loan and a car loan and open a XXXX cell phone account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the inquiries I listed down below I wish to have those inquiries removed as soon as possible I have listed name of each inquiry and each date
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from Chase bank through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( Chase, XXXX, XXXX XXXX XXXX and XXXX XXXX  ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX  and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted Chase and claim was filed three time and they denied each time. Chase disclosed that XXXX XXXX  was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing Chase bank in that matter. All of the claim agents from Chase Bank was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to Chase daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way. PLEASE HELP ME RESOLVE THIS MATTER DUE TO THE LACK OF FUND TO SUPPORT MY MEANS.
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX AND TRANSUNION REFUSE TO SEND ME THE INFORMATION THE COMPANY USE TO INVESTIGATE MY DISPUTE. THE XXXX XXXX XXXXXXXX SENT A COPY OF THE THE DEIT COMPANY 'S INFORMATION. I CONTACTED THE COMPANY WHICH IS XXXX XXXX COMPANY THEY SEND ME COPY OF THE INFORMATION. THAT SHOWS I WAS CORRECT ALL ALONG. XXXX AND TRANSUNION WAS WRONG.
Product: Debt collection

I received a debt collection notice dated XX/XX/24 regarding apartments in texas for debt owed. I have never lived in Texas. I am a victim of Identity theft. THis debt is not mine. The company trying to collect is Procollect Incorporated. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX The account number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Outsource asking for validation of an alleged debt they have placed on my credit report. I specifically asked for a statement showing charges, any payment history, an invoice from the original provider. They responded with a letter stating they verified my name and address and amount owed, with the original provider, their letter also states that they included a " list of charges '', " a billing statement provided by their client '', yet they sent none of this to me. 

Ive included their letter.
Product: Credit card

It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.