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

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 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 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 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 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

My complaint is from a previous dispute CFPB # XXXX against Equifax and CFPB # XXXX against XXXX Credit Bureaus. Equifax is still reporting three accounts that were reported in two previous FTC reports # XXXX from XXXX and # XXXX from XXXX, while XXXX is reporting two of the three. The accounts that remain are causing a XXXX difference in my credit scores compared to other bureaus that removed the accounts in question via the above mentioned reports. According to the FCRA, credit bureaus must report accurately and fairly. 
The accounts are from XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

I tried to call the collection agency back, but they do not answer their phone. They've used a different phone number each time they call, and have bombarded me with numerous calls each day for several weeks. They wont return my calls or messages. They've used abusive, deceptive and threatening language and claims. They have not provided written proof of the claimed debt, nor any proof of who they are, nor proof of their right to attempt this debt collection.
Product: Mortgage

When I was in Cathay bank, they told me to get a line of credit, which was completely free, and it's a good protection just in cause I need the money sometime. 
So I applied, later on, the bank bought me home insurance which is the 3X of the price I used to pay. They didn't send me any insurance doc, and I don't even have a loan with them. Here are the inquiry : 1. We dont have a collateral with Cathay. What are they protecting?

2. They can withdraw your HELOC if we arent qualified anymore.

3. The insurance you bought is 3X than what we used to pay for.

4. No insurance document or policy was sent to us once the insurance was purchased. 
5. When XXXX signed the Agreement to provide insurance, nobody explained to her what she was signing.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject XXXX Request for Documentation of Permissible Purpose for Credit XXXX Dear TransUnion , I am writing to formally request documentation verifying the permissible purpose under the Fair Credit Reporting Act ( FCRA ) regarding credit inquiries made by the following entities : 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/XXXX According to the FCRA, Section 604 ( a ), permissible purposes for obtaining a consumer credit report include, but are not limited to : XXXX. In connection with credit transactions involving the consumer, XXXX. When a legitimate business need exists for the information in connection with a business transaction that is initiated by the consumer, or XXXX. For the purpose of underwriting insurance. 

In the event that the above-named companies can not provide sufficient documentation showing that they had a permissible purpose for these inquiries, I request that these inquiries be removed from my credit report as required by FCRA 604 .

Furthermore, FCRA 607 ( a ) establishes the responsibility of credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information reported. If inquiries are found to lack permissible purpose, they must be deleted from my file in accordance with the guidelines laid out in 605 ( a ) ( 5 ).

I appreciate your prompt attention to this matter and expect a written response within 30 days indicating the results of your investigation. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My wife went for a routine XXXX exam at XXXX XXXX XXXX   XXXX, like she does every year, which is covered by my employer-sponsored insurance policy through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX XXXX XXXX used my wife 's drivers license and insurance card to verify her insurance coverage, as they do every year. About three months later, we received a collections notice in the mail from Ar Resources Inc.,  stating that we owed {$130.00} for the XXXX exam. We never received any actual medical bill for this service - only a collections notice, which had already harmed our credit rating! 

My wife immediately called XXXX XXXX XXXX  XXXX and spoke to 6 different employees there, including a manager who informed us that this was a billing error on their part and that they had incorrectly transcribed her XXXX XXXX account number. The manager 's name was XXXX, and she said she was sorry that this happened and that she would ensure that the bill was resubmitted to XXXX XXXX with the correct information this time and that she would also call the collections agency to halt the collection and prevent it from harming our credit record. Based on this conversation, at this point, my wife believed the issue was resolved. 

However, six months later, a negative credit notification showed up on our XXXX / XXXX credit report. There was minimal information available on the XXXX report. We conducted a XXXX search and contacted the collections agency, leaving multiple messages. We got through one time to someone and disputed the matter, as the debt collection was in error and improper. We additionally contacted XXXX XXXX XXXX  XXXX yet again, who stated that the matter had been resolved by our insurance company and paid long ago. 

However, the debt collection has still never been cancelled and continues to show up multiple times on our credit report. Now, we have suffered a legal harm from both the Ar Resources Inc. and XXXX XXXX XXXX XXXX failing to remove this fraudulent collections activity on our report. We have always had an excellent credit rating. Her credit rating has now dropped 100 points due to this fraudulent collections activity, and mine has dropped from a XXXX to a XXXX score. This is currently preventing us from being able to refinance our home for a much lower 30 year fixed mortgage rate. 

We demand that XXXX XXXX XXXX XXXXXXXX and Ar Resources Inc. immediately remove this fraudulent collections activity from our  credit reports, and we request that the FTC either investigate both companies for illegal billing and consumer fraud activities or refer such investigations to the appropriate governmental department or local authorities.
Product: Payday loan, title loan, personal loan, or advance loan

I was instructed when signing for the loan to purchase their loan insurance products. XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address issues regarding incorrect personal information reporting on my credit report. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Mortgage

I applied for a mortgage on XX/XX/XXXX and the Lender has not contacted me and has not provided me with a Loan Estimate within the 3 business day requirement. 

I have left multiple messages and contacted them through their system and received not response from them. I have uploaded all the information they need for my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXX XXXX XXXXXXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX  ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Product: Student loan

Years ago when I graduated college I was using sallie Mae and I defaulted on my loans because I was told I had Absolutely no other option. Now my credit SUFFERS an has suffered for YEARS! I can not sign for my own apartment or buy an apartment or refinance my loans ... I can do NOTHING They ask me to pay astronomical amounts knowing my income range and then all my payments go to interstate and do n't touch the balance. If anything my loans have increased the last 4 years even though I 've been paying XXXX $ a month!
Product: Checking or savings account

On XX/XX/2023 an unauthorized transaction of {$1300.00} appeared on my account. I then began calling to let BankMobile know I dont know whats happening and why all my money is missing. They then stated I would receive my money back in 5 days, Once the 5 days past I never received my money. They then said it could take 10 days, then they eventually said it could take 90 days. I eventually was able to speak with a supervisor and she filled in a request for me to get provisional credit which was eventually denied. On XX/XX/2023 ( Today ) I received a email saying the case is closed and there were no supervisor notations or any details on how {$1300.00} were missing unauthorized out of my account.
Product: Mortgage

On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX  balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable.
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. 

Account Name : 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  Account Number : XXXX and 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 card

I transferred a credit balance from an American Express business card to an American Express personal card. Unfortunately, since the credit balance exceeded the balance on the personal card, American Express unilaterally decided to issue a check for the difference of {$86.00}. This check was first issued on XX/XX/2016 but never arrived. I contacted American Express and XX/XX/2016 the check was resent, however this check too has not arrived. I contacted American Express on XX/XX/XXXX to check on the status of the check, and they again reissued it without asking my permission. This means that if the XX/XX/XXXX check arrives, it will be voided, and I will not be able to cash it. However, after 18 days, it is unlikely that it will arrive. American Express has also stated that they have sent email messages, however I have not received those either. The likelihood that both American Express ' XXXX mailed checks and emails all were undeliverable is very low. Therefore, I believe that American Express is not doing as it says, whether due to system difficulty or negligence.
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 Number:XXXXXXXX 1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX Account Number : XXXX 3.Validate Account XXXX Account NumberXXXX 5.Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX  XXXX Account Number:XXXX XXXX Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX Account NumberXXXX 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: Mortgage

In short, I recently applied for a home loan modification back in XXXX of XXXX with Bank of America. I fell behind due to covid and was laid off shortly for not getting the covid vax therefore I was allowed to go into forbearance in XXXX to XXXX. Fast forward, I was rehired and evicted tenants who failed to pay their rent, thus causing for me to initiate a loan modification application. After submitting all required documents for 3 months, I was finally approved for a trail period of repayments. At the time I was about {$85000.00} behind. I and Bank of America then agree to {$5900.00} for the months of XX/XX/XXXX, XXXX and XX/XX/XXXX. Thankfully, I made them all. BOA then said all terms were met with the trail period and the loan medication would be approved if I agreed to the terms before XX/XX/XXXX. I agreed and sent MY wet signature back via XXXX about XX/XX/XXXX. Shortly after, I attempted to pay my mortgage the following month, however, was not able to do so because I was told that BOA denied my loan modification after receiving my " WET signature '' loan document because they say they couldn't confirm my signature. I SIGNED THE DOCUMENT. Who else could or would have in such an embarrassing moment. This was a blow to the chest! I've never heard of this before. I knew then that BOA was trying to REDLINE and take my property because of my age, race, gender, and my property condition and location. After speaking to a rep, she confirmed that BOA just sent another document out ( the exact same ) just days before the term agreement I needed to agree to would end. But no other communication giving justification on the bogus call of not agreeing to my signature. Now my home is in foreclosure status and its no guarantee that BOA will honor a NEW LOAN MODIFICATION. IM sick because Im stressing over it because I'm now faced with the possibility of losing my home.

As you can see in the documents attached, I was told that they never received my signed agreement for the loan modification, but clearly its a lie. The woman on the phone clearly stated that they rejected my loan modification because they could not confirm my signature. So either BOA being dishonorable in their dealings, or the woman rep flat out lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX account # 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 instruction. 

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
Product: Debt collection

1.I have never had an account with this company PROFESSIONAL CREDIT, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROFESSIONAL CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 )
( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.