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

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Debt collection

I was reviewing my credit report and noticed so items reported on my credit report. I noticed the listed debts below on Transunion, XXXX and XXXX ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. I have made several attempts to send validation of these debt. I have still not received with 30 days of any proof of this debt. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Transunion XXXX XXXX XXXX {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX- {$1600.00} XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Product: Checking or savings account

I WAS TRYING TO GET OUT OF MY TIMESHARE AND WAS CONTACTED BY SEVERAL COMPANIES TELLING ME THEY HAD A BUYER FOR MY TIMESHARE AND I NEEDED TO PAY THEM A CERTAIN AMOUNT BEFORE BEING ABLE TO HELP ME. I TOLD THEM I WANTED TO READ THERE CONTRACT FIRST BEFORE GIVING THEM ANY MONEY BUT THEY SAID THAT I HAD TO PAY THAT DAY OR THE PRICE WOULD GO UP, HOWEVER THEY ALSO TOLD ME THAT I WAS ABLE TO CANCEL IF I DECIDED TO DO SO. I WILL LIST THE COMPANIES THAT TOOK ME FOR MY MONEY ; XX/XX/XXXX XXXX XXXX XXXX- XXXX PAID WITH MY DEBIT CARD THROUGH US BANK XXXX XX/XX/XXXX XXXX XXXX CHECK THROUGH US BANK XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK THIS IS ALL THE MONEY THAT WAS TAKEN FROM ME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested my " annual credit report '' via snail mail. Instead of getting my timely report I received a letter on XX/XX/2018 dated XX/XX/2018 which requests identity documents in order to get a free report which I am entitled to. It seems that every year it seems to be the same excuse to delay, deny my timely copy of my credit file. The name and address has not changed so what excuse is there except another attempt to procure information to extend there data mining efforts to collect more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I travel a lot for business and Synchrony had my accounts on hold for quite some time so I placed my accounts on ACH since I could not access the website. I submitted some documents they needed and never received anything back regarding my status. After returning to the country recently, I had over 500 missed calls from and collection company regarding my Walmart and XXXX account. It looks like these 2 accounts were not successfully added to ACH and I have no idea why not. Since, they have been turned over to collection. After reviewing my balance for both accounts, these balance are incorrect. This XXXX card has an unbelievable amount of fraudulent charges and the collection bureau is reporting this XXXX. This account needs be turned back over to XXXX so the fraud department can correct this. Now the Walmart account. I placed a fraud dispute with this bank months and months ago, and just received a letter in XX/XX/XXXXstating my case was denied due to whatever was fraudulently purchased mailed to my address. For one, the person who stole my wallet had every piece of my information, so I had to get a new idea and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. The other day my neighbor brought a package to my home that had been delivered their home in error. She said she 's been holding it since XX/XX/XXXXor XX/XX/XXXX, because I 'm never home when she come by. This looks like something that was purchased from Walmart and the timeline adds up to when my card was lost. This Walmart case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors. Another Synchrony account that I can not get fixed is my XXXX. Back in XX/XX/XXXXor XXXX, XXXX was taking care of a fraud claim and was suppose to re-generate a new statement that I could actually pay the balance on. It took them 2 months to get this taken care of and STILL reported 60 days past due on my credit report. This was suppose to be taken care of and removed. Also, I paid the balance in full minus the late fees back in XX/XX/XXXXsometime. The supervisor I spoke to never waived the late fee as promised that which would have placed my account at a {$0.00} status. Since then it has been racking late fee after late fee after late fee. This account was placed on hold, and customer service can not do anything to fix it or either they would take care of the balance.
Product: Mortgage

There are four ( XXXX ) homeowners insurance policies attached to my property, which has TWO houses on the parcel : ( XXXX ) homeowner 's policy for the main/front house ( XXXX ) earthquake policy for the main/front house XXXX XXXX XXXX homeowner 's policy to the guest house ( XXXX ) earthquake policy for the guest house. 
All of these insurance policies are with XXXX XXXX, which also pays the California XXXX XXXX ( XXXX ) for the earthquake policies. 
In the 28 years I've owned my home, every loan servicer has paid all 4 policies on time, every time, when they are due in XXXX. 
When I refinanced my mortgage with United Wholesale Mortgage ( UWM ) in XX/XX/2021, UWM was given all 4 policies by my mortgage broker and my XXXX XXXX agent. UWM only impounded the homeowner 's policy for the main house. UWM has a portal in which to send messages and to upload the additional policies, which I need to have impounded so that I have stability in my monthly payments. Their portal wouldn't allow me to upload the documents. I called their Customer Service in XXXX AND XXXX. I was given a fax number and told to have my insurance agent fax the policies to UWM. My XXXX XXXX agent 's office has done this at least 3 times now. On the 2nd call I made to UWM Customer Service, I was told UWM doesn't impound earthquake policies because they're not home insurance. Yes they are ; these policies pay me if there is damage to my property as a result of an earthquake event. 
With great effort, I finally got UWM to add the homeowner 's policy for the guest house with the assistance of my mortgage broker ; however, they haven't adjusted my monthly mortgage yet. But UWM refuses to add my earthquake policies because they insist these are not part of homeowners ' insurance. 
Again, every single loan servicer has always impounded and paid these 4 insurance policies. I really need help from CFPB because UWM isn't being cooperative and providing the service I deserve and have always received from previous loan servicers. I'm a senior citizen too, so this is even more distressful to me. I can't afford to pay {$3000.00} for the earthquake policies in XXXX that haven't been impounded because the impounding helps me with monthly budgeting.
Product: Credit reporting or other personal consumer reports

I am in the middle of applying for a mortage. I have always received credit scores from XXXX which has indicated a XXXX score between XXXX and XXXX. The mortage company just called and said I have 2 late payment reported on a Chase Credit card showing on XXXX and XXXX. I then went on line and saw that both of these companies show 2 late payment from Chase Card starting w XXXX. I did not recognize this card and called Chase. Chase told me it does not have a card under my name starting w those digits. 

I then explained that perhaps its a card under my spouse 's name and the person said she could not help me. I never had a card w Chase starting w those 6 digits and never authorized her to name me as an authortized user. Nor did I ever use any card other than those in my name. 

Can someone immediately notify Chase and have some one from Chase Credit Card call me to clear this up. Chase was unable to help me over the phone and the phone disconnected several times. 

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

I am filing a complaint Cash App ( Block , Inc . ) due to inadequate customer service and unfair service practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

This debt collector was very rude and harassed me during a very harsh time in my life. I had lost my home and job so I couldnt pay for the payment of the vehicle that I financed through XXXX. I turned in the car voluntarily and waited for the sale of the car to find out the final balance left over. No one contacted me for months until one day at a doctors appointment for my son I received a phone call from a woman representative of the debt collector that purchased the owed balance. I informed her that I was at a doctors visit for my son and that I can talk to her later about the debt but she kept going on about it being overdue and that its being reported. So I told her to calm down and allow me to speak to her later. She ignored me and so I hung up. She calls me the next day around the same time barking at me concerning the debt. I calmed myself and told her that if she doesnt understand the job position she took of customer service and shes being rude to me about this whole situation, its no way for me to feel comfortable about talking to her about the matter. I hung up. She repeats to call me back and then everyday thereafter. I blocked her specific number and eventually an email came through from the debt collection company. I logged into the portal to see my options of settling but there were NONE. I wanted to negotiate the balance so that way it doesnt put me and my family into a bind that we were just barely getting out of. I left the situation alone because another concern became my full attention. I moved in with my daughter due to the circumstances and eventually received a letter in the mail from this debt collectors lawyers saying that theyre going to sue me if I dont pay. How they found me at my daughters house seeking refuge I dont know. But this scares me because its stocking me to the point where I had even to change phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX shows on my Experian report with late shows and the loan was transferred by XXXX XXXX XXXX XXXX with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by XXXX XXXX XXXX XXXX  on there part in which caused a lot of errors and I disputed to XXXX XXXX XXXX and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by XXXX XXXX XXXX XXXX. 
Experian has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX XXXX XXXX XXXX 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by XXXX XXXX XXXX XXXX nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX Since XX/XX/2022. I contacted the credit bureau to correct the wrong information on my credit report TILL date they have not fixed the inaccurate personal data. 
Wrong names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Inaccurate addresses XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate reporting on my credit reports by XXXX, the U.S. Department of Education, and credit reporting agencies XXXX, XXXX, and Experian regarding my student loan account ( Account No. XXXX ). XXXX has admitted in a letter dated XX/XX/XXXX that my account was transferred multiple times to : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX These transfers were done without my consent or proper authorization ( XXXX form ) and constitute payment, satisfying the debt under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, this account is still being inaccurately reported as unresolved or delinquent on my credit reports. Key Issues : XXXX. FCRA Violations by Credit Agencies : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 12 C.F.R. 1022.43 ( a ), credit agencies must promptly update or correct inaccurate information when evidence, such as a notarized adavit, is provided. Despite my submission of notarized documentation, they have failed to update the account as Paid in Full. XXXX. Name Change Not Updated : I legally changed my name to XXXX XXXX XXXX due to fraudulent and inaccurate reporting tied to my former name ( XXXX XXXX ). XXXX, XXXX, and Experian have failed to update my legal name as required.
Product: Debt collection

This account was paid in full I still have a current active policy with XXXX   XXXX. This company is trying to collect on monies not owed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.
Product: Debt collection

I received a letter in the mail from Carter - Young, a collection agency, about a debt that I DO NOT owe. I called them to dispute the debt and was told unless I can prove I do not owe this debt, I have to pay the charges. I then wrote them again explaining I DO NOT owe this debt and requested a copy of my drivers license, my signature as proof i ordered this service or anything they have to prove this is actually my debt. I have received none of this proof, only a response that I have to prove it is not mine or pay the bill. I have called the original creditor, XXXX, multiple times, waited on hold, spend a total of 1.5 to 2 hours on each call only to be told they have to investigate this and someone will get back in touch with me. No one ever gets back in touch with me. This has now been reported to my credit bureau file and all attempts to have this debt investigated have fallen on deaf ears. I DO NOT OWE THIS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and EQUIFAX. has not yet completed their investigation :
Product: Mortgage

XXXX XXXX XXXX XXXX Loan care has unlawful collect PMI even thought ; law says Im not obligated to pay They have COLLECTED APPRAISAL FEES {$450.00} BUT FAIL TO DO AN APPRAISAL refuse to remove P.M.I. and escrows despite home value is 55 % Loan to Value ratio. 
its been 5 months since request IN XX/XX/2019. 
PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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.
Product: Debt collection

hey, I have a pair of collections that wasn't me. So I was checking my credit scores and saw collections that I know are not mine. I've clicked the collections to get further details and the collections claim to be in the amounts of {$330.00} and {$830.00}. The creditor is " XXXX XXXX XXXX '' and account status lists that it was opened on XX/XX/2017. I am XXXX years of age, I know I don't pay for electricity bills or gas bills yet and believe a family member who may know my info caused this.A family member has the same name as me and most likely knows my social so I am assuming but cant be 100 % correct. I have called XXXX XXXX to ask questions and was told the address linked to the account was not my current address at the time this happened. Due to security reasons over the phone they couldn't provide me with address details but would love to get this solved immediately please. Thank you for your patience and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.