23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 XXXX 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: Debt collection

XXXX continues to try to bill me for services provided by a hospital that has my medical insurance billing information. I am a XXXX XXXX XXXX Veteran and have full health coverage covered by the Veteran Affairs. I had an emergency that required a local hospitalization and have been bullied since going to the hospital. They send letters, hire multiple companies to call and harass my family. Why are they trying XXXX collect payment from a XXXX Veteran that doesn't pay for health care? Bill the XXXX VA! This is crazy
Product: Checking or savings account

This started on XX/XX/XXXX i was contacted by person representing Well Fargo stating that a charge was take at XXXXXXXX XXXX needed to verify if i had purchased any thing also a wire transfer taken place for XXXX asked if i had taken such action again said no Went to through detail issues to eliminate the transfer..at the time i was able to be on my computer to assist this issues as soon as this was done my computer went blank. as i soon found out this was an issue i went to the bank next day and asked for help reestablishing my online banking. they stated i need to make an appointment and that would be in XXXX. I told them that this would be to late i need to know what was in my account. absolutely NO HELP .... The scammer called back again on XX/XX/XXXX stating that the bank manager was taking money from the clients and needed to check this out telling me that the fica would cover this wanted me to go to the bank and wire the same amount as previous wire which i did and told the XXXX bank manager i couldnt get back into my online banking she shrugged her shoulder ( like its not her problem ). The account was supposedly frozen. I didnt know how much money I had in the account if anything. plus no assistance in helping unless i had an appointment. Worst bank I have ever had.
Product: Credit reporting or other personal consumer reports

Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Item is also listed twice on my credit report. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is XXXX clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,
Product: Mortgage

To whom it may concern, My XXXX and I purchased our new home in XXXX and Freedom Mortgage took over the mortgage shortly after from the builder XXXX. Our taxes were due XX/XX/XXXX that should have been paid by Freedom Mortgage from our escrow account. Unfortunately Freedom Mortgage did not. I called them XX/XX/XXXX which they mentioned they did not have the appropriate information which I immediately provided them. 

Subsequently, I have called numerous times since and even XXXX XXXX XXXX department has as well. Freedom Mortgage continues to come up with a different story. There is now interest acquiring and they don't seem to care. Any help is greatly appreciated.
Product: Debt collection

XXXX XXXX XXXX sent me a bill that generated on XX/XX/XXXX  and I received said bill on XX/XX/. The bill was due dated XX/XX/XXXX  and when trying to make a payment they said they sent my bill to collections. I was up to date on said bill by paying {$670.00}. When talking to the collection agency they said they would not sell my bill back to XXXX and I had not received a letter or phone call stating they had my debt. I was also never given information on what my debt was. I was also told the collection agency had already charged me XXXX dollars in interest before even knowing about my bill going to collections. The collections agency is XXXX XXXX out of XXXX, Nebraska.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX and XXXX saw some hard inquiries that did not have permission purpose .i also attached evidence XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1668B Im a victim of fraud I want to remove all inquiries on my credit reports
Product: Other financial service

I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my XXXX where XXXX has neither corrected nor removed or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. Neither did Transunion and XXXX. 

I disputed items that was incorrect, and they were not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to lift my credit with Experian for the last 5months. I have not been able to do crucial things in life due to the freeze. Ive called numerous times! Ive sent letters! The functions for finding password dont work for the site so it never sends verification to email shown on file. This is soooo insane!
Product: Debt collection

XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On different occasions I have disputed with the company XXXX and TransUnion regarding a XXXX XXXX XXXX XXXX XXXX account that incorrectly appears on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report. that I also sent but it is observed by experian and transunion that they did do so. not carrying out an efficient investigation to determine that the account that appears on my credit report from XXXX XXXX XXXX XXXX XXXX does not belong and even the address mentioned, this gives rise to thinking that it is information that belongs to another person or that I was a victim of theft of identity, this information is affecting me since it hurts me to apply for my mortgage loan. I have been very responsible and pay all my bills up to date and this is demonstrated by other accounts or other companies like XXXX and that is why I request that this account be incorrect. appears on XXXX AND TRANSUNION be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i.
Product: Credit reporting or other personal consumer reports

Equifax is obligated FCRA to report accurate accounting. Consumer advised ALL the inquires reported was fraud said company has XXXX days according to the LAW to remove said items.FTC fraud report was filed on behalf of the consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX days to provide me with name or person/persons spoken to, documentation used, signed application with consumer wet ink. Consumer is not asking for an e-oscor report.If EQUIFAX does not have documentation to show these were in fact authorized memes must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filling form XXXX XXXX forms to audit consumers account. EQUIFAX is securitizing consumers data yet refusing to provide consumer a copy of their CREDIT FILE NOT CONSUMER REPORT
Product: Mortgage

I have completed loan modification back in 2022 with Loancare XXXX XXXX for my house. 
They do NOT apply my funds and keep holding it. Then they are saying I am delinquent and now they want to do another modification and delay my maturity date from XXXX to XXXX!!! 
I have written to them multiple times. I have furnished them with my payment historry from my bank, I am NOT getting any response. They have simply have just ignored me. I am horrified they keep sending me delinquent and short sale letters. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, faxed, sent letters in regards to two items on my credit report that Are fraud accounts, I have requesting the agency send me physical proof on how they are verifying me and after several attempts they are not sending me any proof, they just keep saying verified. At the time these accounts was opened in my name I was in police custody. I was XXXX for 3 years and my identity was stolen. The XXXX XXXX XXXX XXXX XXXX listed on my credit report is a fraudulent account. The XXXX XXXX account listed on my credit report is also a fraudulent account. I am needing physical proof as it is law that the reporting bureau must provide proof as to How they verified you.
Product: Debt collection

I recently noticed that my XXXX credit score decreased due to outstanding loan balance for a debt owed to XXXX XXXX XXXX in XXXX, TX in the amount of {$550.00}. The incorrect address associated with this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX- which appears to be the address of an apartment owned by XXXX XXXX XXXX XXXX in XXXX, TX. The debt is owned by the debt collection agency Transworld Systems , Inc. THIS DEBT IS NOT MINE. I have never lived in XXXX, TX ( in fact I have never set foot in the state of Texas ). I do not know how my name got associated with this debt or how it got into my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXXXXXX XXXX XXXX Failure to Provide 1099-C Form and Violation of FCRA I am filing a complaint against XXXX XXXX XXXX regarding their failure to provide a requested Form 1099-C ( Cancellation of Debt ) and their continued reporting of a charged-off account, which has been sold to Portfolio Recovery Associates.

Details of the Issue Request for 1099-C Form : On XX/XX/year>, I sent a certified mail request to XXXX XXXX XXXX for a Form 1099-C, which is required if the charged-off debt was canceled or XXXX. XXXX XXXX XXXX responded by sending me past card statements that included the amount owed, interest rates, fees, and charges. However, they failed to provide the requested Form 1099-C. 

Debt Sold to XXXX XXXX XXXX : XXXX XXXX XXXX no longer owns the debt, as it has been sold to XXXX XXXX XXXX. Despite this, XXXX continues to report the charged-off account on my credit reports. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Accuracy of Reporting : Under the FCRA, credit bureaus are required to ensure the accuracy of the information on consumer credit reports. XXXX XXXX  XXXX failure to provide the Form 1099-C and the continued reporting of the charged-off account, even though the debt has been sold, creates inaccurate and misleading information. 

I have contacted both XXXX XXXX XXXX and the credit bureaus, requesting that this account be removed from my credit reports, but no action has been taken. 

Harm to Consumer XXXX XXXX  XXXX failure to provide the Form 1099-C has caused confusion regarding the status of the debt and my potential tax obligations.

The continued reporting of the charged-off account has negatively impacted my credit score, despite the debt being sold to another entity. 



As per the law, since the XXXX XXXX XXXX has not responded to my request within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file.

Resolution Requested I respectfully request the CFPB to : Investigate XXXX XXXX  XXXX failure to provide the requested Form 1099-C.

Clarify whether the cancellation of debt was reported to the IRS, and if applicable, require XXXX XXXX XXXX to issue the Form XXXX. 

XXXX XXXX XXXX XXXX to delete the charged-off account from my credit reports, as the debt has been sold and its reporting creates inaccurate and duplicative information. 

Ensure the credit bureaus fulfill their responsibility under the FCRA to maintain accurate consumer credit reports by removing the account. 

I request that XXXX XXXX XXXX be deleted from my credit report immediately as the creditor has failed to verify the accuracy of the reported information within the statutory period.

Supporting Information I am willing to provide copies of : My certified mail request to XXXX XXXX XXXX. 

Copy of my request 1099-C to XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I pulled my credit report and discovered accounts that I never opened. I immediately reported this to the FTC, my local police department, and placed fraud alerts with major credit bureaus. XXXX was one of the accounts listed that was obtained fraudulently. I immediately contacted XXXX via phone and they were resistant to listen. I followed their instructions and sent them a copy of the identity theft affidavit, FTC Identity Theft report, the local Police Department report and asked them to remove this information from my credit report. I never received a response however the account was placed in closed status on my credit report and then I began receiving calls from a debt collector they turned it over to after being notified that this account was opened fraudulently and I was a victim of Identity Theft. I also sent the info to the debt collector and they stopped collection attempts. A year later the information is still on my credit reports and I have again sent a request to XXXX by certified mail in XX/XX/XXXX requesting the information be removed and included all police reports and  supporting documentation. I also sent the information to each credit bureau. XXXX again did not respond to me and confirmed the information as accurate with no changes to the credit bureau. A few days later a new debt collector began calling me in reference to this account. I explained to them that it was illegal for them to began collection attempts after being notified that this debt is from identity theft. They told me that the account was just turned over to them for collection and recovery by XXXX a few days ago. They even made a statement that XXXX was doing unfair and unlawful business practices by making them attempt to collect and not telling them I was a victim of identity theft. These business practices are completely unacceptable and it is unfair for a true victim to have to suffer for so long with incorrect information being reported on their credit report by a company that refuses to acknowledge true documentation they have received several times to do the right thing and follow the law. I want this account removed from my credit reports immediately as I feel I have suffered long enough despite my efforts to follow your policies and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.