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

My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX  : Account XXXX XXXX XXXX : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Account XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX : Account : XXXXXXXX XXXX XXXX  : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

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 Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than XXXX. 

Thanks
Product: Student loan

XXXX said my XXXX debt was being transferred to XXXX on XX/XX/year>. The transfer still has not taken place, and I have no way to pay my monthly student loan bill. When I tried to call XXXX ( on several occasions from XX/XX/year> to today, XX/XX/year> ), XXXX 's phone system does not offer anyway for me to speak to a human and just keeps asking for my ss and birthdate on a continuous loop. My payment is past due now. I've spent several hours trying to figure out what's going on without receiving any communication from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-Account # : XXXX XXXX XXXXXXXX XXXX XXXX-Account # : XXXX, XXXXXXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX-Account # XXXX XXXX, XXXX XXXX-Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also STATES a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Mortgage

Hello.     I sold the following home ( address:   XXXX   XXXX   XXXX     ,   XXXX   ,  FL  XXXX  ) last year  (     XXXX     2016 ).  My mortgage service provider ( Seterus, loan #  XXXX  ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home.      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My identity was compromised and used to open a credit account at Conn 's Home Plus through Conn 's Credit Corporation ( collectively, " Conn 's '' ). When I received notification that there was a past due account under my name in excess {$9000.00}, I immediately contacted Conn 's to notify them that this was identity theft and I disputed the charges. I also filed a FTC identity theft report. Conn 's initially responded with a letter from XXXX XXXX, Fraud Investigator for Conn 's Credit Corporation, requesting a sworn affidavit along with other supporting documentation, which I provided. Ever since then I have not been able to establish any communication with Ms. XXXX or anyone at Conn 's to confirm that they have taken any action to close the fraudulent account or remove adverse information reported to the credit bureaus. I have tried all means of communication including phone calls, e-mails, and finally a letter to Conn 's dated XX/XX/2020. To date my messages and communications have been ignored and I am unable to resolve this problem, or even establish communication with anyone at Conn 's who can address my problem.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent charge-offs appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I contacted the company in XXXX and early XXXX seeking a way to work things out. 

I was informed by XXXX seeking to cut a deal with me to buy the home that it was in foreclosure and a sale date was set up. 

PHH says that an attorney sent me a demand letter but I haven't ever got a demand letter. 

I sent in a complete package to PHH by fax on XX/XX/XXXX and asked them to consider a forbearance or workout plan as for I have a contract closing in XXXX/early XXXX that will pay the loan current. 

I spoke with XXXX XXXX, a relationship manager, on XX/XX/XXXX and told him about a PHH letter to me on XX/XX/XXXX that I got in early XXXX. 

The letter says they have to look at all options with complete data by XX/XX/XXXX. 

I'm afraid the lost letters from an attorney, the timetable PHH gave me, and a time to cure the deficiency will case me to lose my home to gentrification. I've been a homeowner for 25 years.
Product: Debt collection

A scavenger debt company, XXXX XXXX XXXX retained this lawfirm to garnish my state income tax. I do not owe a debt to any company for the amount indicated nor did this company make any initial attempt to collect it before. They are trying to force me to pay XXXX in 14 days! I owe no such amount! This letter came out of nowhere and apparently they hacked into my private information.
Product: Debt collection

I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.
Product: Credit card or prepaid card

In XX/XX/2021 someone used my information and fraudulently opened an Bank of America credit card in my name. About 2 weeks later I received notice there was new activity on my credit report, that's when I discovered the identity theft. I called Bank of America and spoke with their fraud department. They said they would close the account and send me a form to fill out to request a copy of the fraudulent application submitted in my name.

I have filled out that form 3 different times and sent it in via US mail and via fax ( 2 times via mail and 1 time via fax ) with the required documents ( a copy of my ID, social security card, and ID theft report ). They will not send me the copy of the application in which I am entitled. Today I received a letter saying they were considering this matter closed because they haven't received an " Identity Theft Victim Request form. '' This is untrue, I've sent it three times.

I want a copy of the fraudulent application as I believe I know who stole my identity. 

Bank of America case number : XXXX
Product: Debt collection

In reviewing my credit reports, I found 19 collection accounts listed on my reports, all from a company called Creditor 's Discount and Aud. I have never received any notification or communications from this company. I also confirmed that this company does not have a Texas surety bond. I recognize the original creditor that is listed for 18 of these accounts as a doctor 's office where I was briefly treated in XX/XX/XXXX. My total bill for my brief treatment ( 3 office visits ) was around {$3000.00}. I entered an auto draft payment plan and paid that bill down in XX/XX/XXXX. Now, this collection agency, Creditor 's Discount, has listed 18 new collection accounts on my credit reports as of XX/XX/XXXX for a total of {$7000.00}. Again, I have never been notified of these accounts or my right to dispute them, they just showed up on my credit reports. There are two accounts for {$2000.00}, two accounts for {$130.00}, eleven accounts for {$140.00}, two accounts for {$430.00}, and two accounts for {$200.00}, all from one doctor 's office. These accounts are obviously duplicated and inaccurate. There is also one account for {$500.00} from a dentist office, that I am not aware of. I spoke with a representative at Creditor 's Discount to gain more clarification on this situation and she stated that they can not mail me anything or call me because I live in Texas and they are not allowed to collect in Texas, as there are only a few states where they are allowed to collect. I mailed a debt validation request, but will not receive a reply, because Creditor 's Discount can not mail me anything per their representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Experian, XXXX and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.
Product: Checking or savings account

I opened my checking account onXX/XX/XXXX on XXXX XXXX XXXX XXXX branch with the representative XXXX XXXX. 
On the same day that my account was opened my online banking was locked. I sent several emails to the representative without geting any answer and also called customer service but because I dont have the debit card they cant verify me. 
Is a loop that doesnt have a solution. I have a VPN on my phone for security company reasons ( from XXXX ) so maybe thats why was locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency cannont furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized my credit to be run and it shows up on my Experian credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.
Product: Credit card

Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.
Product: Debt collection

report paid in full i file a disputed on XXXX  credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area
Product: Credit card

My wife and I were bumped from an international XXXX flight XXXX XXXX weekend, 2023. We were promised {$2000.00} in compensation. 

Turns out the compensation is in the form of gift cards only. 

Thinking them the safest and most easily used, I selected {$1000.00} of that amount to be in the form of American Express gift cards... they were available only in {$200.00} increments. Which means I have XXXX of them to use. I activated them as instructed. 

Since that time I have tried using them on multiple websites and they continually decline for no apparent reason : XXXX, XXXX, XXXX, etc. 

The customer service number on the card takes you to an automated system only, with no human available to explain why the cards continually decline. 

They are set to expire at the end of XXXX and I have NO recourse. I will lose the {$1000.00} since I am not able to find any company who is able to process them.
Product: Mortgage

A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated a balance transfer. I requested {XXXX} be transferred to my Citi XXXX XXXX Card from my XXXX  XXXX XXXX card. The transfer was marked complete by Citi on XX/XX/XXXX and {XXXX} was charged to XXXX XXXX Card. However, XXXX XXXX never received a payment from CitiBank. I called CitiBank three times and they told me to have XXXX XXXX open an investigation. XXXX XXXX stated they can not investigate a payment they were not notified was coming. CitiBank has elevated this as an investigation despite claiming it was not their fault. I verified all of the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX  was opened fraudulently and needs to be removed from my report
Product: Debt collection

VALIDATION AND CEASE AND DESIST Resurgent /LVNV FUNDING XXXX XXXX XXXXXXXX XXXX , Sc XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX Dear Resurgence, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, XXXX XXXX  # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I got a XXXX XXXX credit card not too long ago and I set up auto pay, so any time I have a balance it automatically pays it, and I noticed it hasnt been charging it. It was supposed to automatically pay it XX/XX/XXXX and it never did, Im also supposed to receive an email 10 days before it automatically charges and I never did. I received an email XX/XX/XXXX and it showed my balance not being paid which didnt make sense because it shouldve already automatically paid it and I couldnt get in my account. And about a week ago I tried to login and it wouldnt work and it said to do same day payment but when I tried it said I dont have a checking account connected, which I know for a fact connected my account and have proof of an email confirming it successfully connected, and it said no account information can be updated or account info accessed. Ive been trying to login since then and now its completely inaccessible. My payment is due XX/XX/XXXX and Im really stressed out because and I tried calling customer service and it says the offices are shut down and no one will answer and it automatically hangs up. I dont want my credit score to be penalized because of this. Ive never missed a payment in my life. And I got a {$35.00} credit award from XXXX because I spent {$900.00} at other stores within the first few months and now that credit is no longer showing in my XXXX app and I contacted them and they tell me to contact the credit card company who is impossible to get in contact with.
Product: Credit reporting or other personal consumer reports

Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.