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

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

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Here is the letter I sent to them. " 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, TX XXXX To whom this may concern. how are you doing today. I am writing you with clean hands and in good faith. I am reaching out to you on behalf of the principal XXXX XXXX XXXX XXXX. I am accepting all rights and interest equity owed to XXXX XXXX XXXX XXXX. I revoke all previous power of attorneys expressed implied otherwise. The principal applied for Credit and was denied. Regardless of the reason for the denial the principal has the right to credits. With holding the principals access to securities is securities fraud. Capital One is violating the Equal Credit Opportunity Act, TILA, and Consumer Credit Protection Act. Since you are denying the principal access to credit, Ive asked the lending/underwriting team or whoever oversees securities to retract the application. I want to reserve all rights here, if the application cant be retracted then we both know that the loan was granted at the Treasury window, and I would like the credits so that I can purchase the truck for the pursuit to happiness Furthermore, If Im still being denied I would like to retract the application and rescind my signature on all documents and or securities the XXXX XXXX XXXX XXXX XXXX has with CAPITAL ONE. I would like confirmation via mail that this has been done. If this cant be done, I would like to be compensated being that my signature is the reason for the credits that you have accepted on my behalf which is identity theft and fraud, and I would like for XXXX XXXX XXXX XXXX balance to be applied to XXXX XXXX XXXX XXXX account for set off for this transaction. Also, for the credit card that I recently had that was closed I would like for it to be open and the highest limit for that card be added to it. I am writing you in good faith for I am doing the will of XXXXd. I am looking forward to hearing your response in five ( 5 ) business days. Thank you for your service. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The debt collection agency CCS gave me the option for a payment plan. They did not notify me that the full amount was due immediately and implied that a payment agreement was in place paying XXXX a month. However, they failed to notify me that choosing the payment plan would result in a delinquent payment on my credit report. I called them and they said there is nothing they can do.
Product: Debt collection

I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$900.00}
Product: Credit card or prepaid card

on XX/XX/XXXX i found charges on my avant credit card and reported them immediately and shut down the card. on XX/XX/XXXX found 2 more charges and called again to report the fraud. i have called a total of 12 times and each phone call is documented. avant refered me to shelbi in the fraud division last month, the charges on my account are XXXX XXXX- {$12.00} XX/XX/XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX- {$20.00} XXXX XXXX {$20.00} XXXX XXXX XXXX- {$53.00} XXXX XXXX XXXX XXXXp- {$16.00} XXXX XXXX XXXX {$23.00} XXXXXXXX XXXX XXXX XXXX {$16.00} XXXX XXXX XXXX  {$35.00} XXXX XXXX XXXX {$21.00} i have no knowledge of the charges and now because no one will help me my credit score has decreased due to avant reporting I am over my limit and not doing their job. i'm XXXX and on a very fixed income and shelbi in the fraud division keeps telling me via email ( because she has not answered any of the 6 times i called nor has she tried to call me back and i have my call log from my phone company to prove and will give if needed ) that the charges that I am saying are not mine she can not find. can you please help me
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit, and saw accounts that i have no idea about, they hurting my ability to get credit, i want these accounts to be removed from my credit report.
Product: Mortgage

Our VA mortgage loan went into a deferred status in early 2021 due to my wife and I being laid off as a result of the XXXX pandemic. In XX/XX/2021, my wife and I were both employed again and we started the process of attempting to modify our mortgage loan so we could continue making payments. Over the course of the past eight ( 8 ) months, we have had our application for a loan modification denied twice, and we are in the process of applying for a third time. I've kept notes following all of my calls with LoanCare and I have copies of all of the email correspondence that I've sent since beginning this process. 

During the current application for a loan modification, LoanCare has repeatedly " lost '' or claimed to never have received important underwriting documents. In spite of having correctly submitted the requested documents earlier, I have patiently forwarded the documents for a second time, and sometimes for a third time. On numerous occasions, I've been told by a LoanCare representative that our " application is complete '' and is just awaiting an underwriting decision. Each time, I then find out 2-3 weeks later that there's " something missing '' when in fact, the document was there the whole time. I've been told by various LoanCare representatives that our loan has been in underwriting for at least two ( 2 ) months and yet, I still have to keep finding out that LoanCare can't find a document that has previously been submitted. 

LoanCare 's inability to maintain documents that I have submitted has resulted in the underwriting process taking far longer than necessary. This would ordinarily be a simple inconvenience. However, LoanCare 's actions have resulted in our mortgage being in forbearance for many months longer than it should have been. LoanCare 's many mistakes and delays have resulted in our inability to access credit and we will inevitably end up losing a significant amount of money due to rising mortgage interest rates. 

At the end of the day, we just wanted to start making our mortgage payments again and I've had to fight tooth and nail to be able to do so since XX/XX/2021.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

2. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX BANK Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX BANK Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Student loan

I recently completed a Chapter XXXX Bankruptcy ( 4 Months ago ) and month later after checking my credit report I noticed my student loans were listed under a collection agency. At the time I did n't know Private student loans were n't included in a Chapter XXXX so I filed a dispute with the collection agency. I began receiving settlement calls from the creditor asking for a settlement of {$1000.00}, I did n't have that much money readily available at that time. I have not once received an e-mail or letter/bill for my private student loans but I do regularly receive letters for my Federal student loans. I have been making payments on my private loans and when I reached back out to Navient today ( XXXX/XXXX/2015 ) to try and get my interest rates reduced from 13.25 % or lower the total amount. They informed me that I need to call back in a week because my account is in collections and they do not know who the creditor is. I find that odd as I have not received any written communication about this AND when I go to their website it still allows me to make payments ( Which I have been actively doing ). The website also says I have missed 19 payments and I do n't see how that 's even possible considering I have only been out of Chapter XXXX Bankruptcy protection for 5 months. I feel that this lendor may be taking advantage of me and I would like someone to look into this please.
Product: Checking or savings account

My brother is XXXX  he have and account with bank of America I submitted every paper work they requested and still they are blocked me status is the documents are not notarized as you can see it is need your help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.
Product: Debt collection

I asked for a validation of debit and was sent a full medical bill which is a violation of Hippa! It had exact procedures when I know about the Hippa law and I know I didnt go to the hospital nor sign a Hippa release form giving permission to let a debit collector get my medical records!! I am behold disappointed and plan on hiring a legal team for my pain and suffering!! This is the only negative item I have on my credit! Im very upset and have been battling this for over a year!!
Product: Money transfer, virtual currency, or money service

A family member XXXX XXXX transferred {$5000.00} cash into my PayPal account for living expenses, but PayPal charged a {$150.00} fee and then placed a hold on {$2800.00} without any explanation. This hold prevented me from paying my utility bills, which resulted in a shutoff notice. When I reached out to PayPal about this issue, my inquiry was forwarded to another department ( XXXX ), who responded with a rude and unprofessional email that didnt address my concerns. It was clear that they hadnt thoroughly reviewed my account, as the only negative transactions were refunds I initiated for testing software products as part of my job as a mystery shopper. I have a one-year guarantee from the developers to return products if they dont meet my expectations, which is completely within my rights. There is no fraud or misrepresentation on my account. PayPal 's assumption and subsequent hold on my funds caused unnecessary delays in my payments and late fees, which I find unjustifiable. There have been no fraudulent attempts on my account, and if PayPal had taken the time to communicate with me, they would have understood my situation better. Instead, they mistakenly believed the refunds were from customers, when in fact, they were all refunds to me, the account holder, for testing these products.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB- XXXX  SSN- XXXX XXXX, XXXX, and Equifax Dear Sir XXXX Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
The following items must be blocked, removed and permanently deleted from my credit profile. 
XXXX account ending in ( XXXX ) Open Date- XX/XX/XXXX Balance- {$24000.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Which states FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Police Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within five business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Debt collection

In an attempt to get the pay off figure I wanted to know who held the note for chain of custody. All so my personal information was shopped ny the bank and or dealer to several third party agencies without my express written consent. I was given no opt out paperwork within the rescession period and to my knowledge my agreement is being used as security that also fall within XXXX violations because full disclosure was not given as to the performance of the contract and would have my personal information
Product: Debt collection

This is a work-mans comp case that was PAID by my work. Date of Injury : XX/XX/2018. I was contacted by health care facility ( XXXX XXXX XXXX ) several times regarding this issue, than I passed on information to my work-mans claim dept. Not sure why it was forward to collection, but it eventually showed up on my credit report. I have spoke to my work-mans claims reps several times regarding this issue and was provided with the following documentation to support this issue.
Product: Checking or savings account

Hello : Undersigned has still not received his stolen funds of {$20000.00} even though M & T Bank promised return on XX/XX/2022. 

Please urgently investigate and advise. 

Kind regards, XXXX
Product: Money transfer, virtual currency, or money service

I was an account holder with HSBC bank. In XXXX this year, on advice of my customer relationship manager with the bank, I opened a Global Money account that allowed me to transfer USD into XXXX. 

I expressly stated that I will need to wire the XXXX amount to my father at a later date, and she confirmed that will be possible. In XXXX, I have tried to do so, only to be told money can be transferred only to an HSBC account in another country. Otherwise I need to reconvert the money into USD, transfer it back to the normal HSBC account and then transfer into XXXX. 

Therefore, XXXX wanted to charge me triple conversion rate for a simple procedure. 
I refused, stating that I have the promise in writing, and the bank manager escalated my claim - unfortunately HSBC decided that there is no fault of theirs. 


Thee fees incurred were substantial, based on the extra conversion fee XXXX XXXX accounts charge : a difference of {$4600.00}, or 2.8 % of the principal - During that time, EUR lost 0.8 %. Therefore, I lost 2 % on the bank fees ( {$3300.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from XXXX, XXXX, and TransUnion and identified several inaccuracies. These errors are causing financial harm and are tied to a name that does not reflect my legal identity. The accounts and inquiries are listed under the name " XXXX XXXX XXXX, '' which is not my correct legal name. My legal name, as updated through a certified court order, is formatted differently, and I have no connection to the accounts reported under the all-caps name. 

Details of Specific Issues : Charge-offs Reported as Debt Despite Forgiveness : XXXX XXXX : A charge-off of {$4400.00} remains reported, even though this debt was forgiven and a XXXX form was issued, reporting it as income to the IRS. 
XXXX XXXX : A charge-off of {$5700.00} remains listed, despite being forgiven with a XXXX form. 
These accounts are associated with the incorrect name and can not simultaneously be reported as forgiven income and outstanding debt. 
Student Loans That Are Not Mine : Several accounts from XXXX are fraudulently attributed to me, including XXXX with a balance of {$2600.00} opened in XXXX. I have never applied for or taken out student loans. 
Bankruptcy XXXX XXXX : A Chapter XXXX bankruptcy was reported as filed and dismissed in XXXX. This filing is fraudulent and not associated with me. 
Unauthorized Hard Inquiries : Over XXXX hard inquiries appear on my credit reports, all unauthorized. Examples include inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
Incorrect Personal Information : The credit reports list incorrect names and addresses, including variations of " XXXX XXXX '' and outdated addresses that I have never lived at. 
Actions Taken : I have disputed these inaccuracies with the credit reporting agencies but have not received proper resolution. 
I filed an identity theft report with the FTC to address the fraudulent accounts and inquiries. 
I contacted creditors, including XXXX XXXX and XXXX XXXX, to dispute the charge-offs and request corrections, but no action has been taken. 
These accounts and records are incorrectly tied to my file and are not associated with my legal identity. I am requesting their immediate removal, as they are causing significant harm to my financial standing.