23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

PLAZA SERVICES, LLC IS in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

I sent out Affidavits of Truth twice. XX/XX/2021 and XX/XX/2021 Addressing the comments from the previous complaint that has been closed ( complaint # XXXX ), a contract isn't a validation of debt according to 15 usc 1692g. 

You also do not have my permission to furnish any information on my consumer credit report. ( 15 use 1681b ( 2 ) ). You also can not state that I owe your company anything ( 15 use 1692b ( 2 ) )
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

I have been a victim of identity theft since I was XXXX of the fraud on my record is showing is in various cities in the state of Texas. I have disputed this several times on my own through XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

All credit reporting has outdated information and XXXX XXXX has me at a XXXX ( this happened with the other XXXX because a creditor claimed I was dead ). Ive reached out but no response.
Product: Debt collection

Premise : XXXX debt collector ( Credence Resource Management , LLC, XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone ( XXXX ) XXXX ) after being contacted by US Consumer Financial Protection Bureau regarding the XXXX fraudulent charges on services stopped and refusal to remove charges on services not received knowingly and recently sold debt to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX MN XXXX, Phone : XXXX. XXXX XXXX XXXX XXXX reported the fraudulent debt to XXXX and XXXX. 

Plain Old Telephone Service Line ( POTS Line ) can not coexist on the same physical line with XXXX XXXX 

XXXX scheduled to be turned on XXXX, XXXX, XXXX and XXXX XXXX turned off. 

XXXX  service was unable to be established and technical support was unable to resolve the issue and subsequently ignored the support case. 

XXXX equipment was returned to XXXX and documentation of receipt of returning the equipment was obtained from the XXXX XXXX on XXXX, XXXX, XXXX. 

Multiple calls were made to customer support to have POTS line of the XXXX XXXX turned off and illegitimate charges removed. Most prominent call was on Monday, XX/XX/XXXX, at XXXX ( recorded call ). 

XXXX System blocked the customer from customer phone support until illegitimate charges were paid.

Complaint filed with Ohio Attorney Generals Office about the illegitimate charges, refusal to remove the charges ( four months of POTS Line service totaling near {$200.00} ) and refusal to remove the POTS line service. 

XXXX XXXX in XXXX Office of President calls on Thursday, XX/XX/XXXX to discuss the complaint they received from OAG. XXXX employee becomes confrontational and refuses to provide an email address. 

In following weeks and months, XXXX employee refuses to correspond via email despite the XXXX employee providing an email address to OAG for further correspondence. 

Due to inaction by XXXX Employee, Three XXXX executive officers were copied on multiple emails on the matter providing a great amount of details and documentation. 

In the following months, not one XXXX executive or employee confirmed receipt of any email with documentation attachments was received. 

On Wednesday, XX/XX/XXXX at XXXX, XXXX XXXX calls and leaves a voicemail to state she will not communication through email unless I speak to her over the phone confirming who I am. She had already spoke with me over the phone ( recorded call ) back on XX/XX/XXXX confirming who I am. This is obviously a game or a high level of incompetence to XXXX XXXX. 

XXXX employee continues to ignore the complaint. 

XXXX sent the unpaid account to collections. 

XXXX debt collector ( Credence Resource Management , LLC, XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone ( XXXX ) XXXX ) locates a phone number of the XXXX customer not related to his account and debt collector starts calling to harass the XXXX customer for illegitimate XXXX charges.. 

Over a year later, XX/XX/XXXX, Credence Resource Management , LLC, XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone ( XXXX ) XXXX knowingly sold the debt to collector XXXX XXXX XXXX XXXX.
Product: Credit reporting

I sent the same letter to all XXXX credit bureaus. Equifax chose not to respond to me in violation of Federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only XXXX active bank account and have had only XXXX credit card ( XXXX store credit cards ) my entire life, yet my credit report from Equifax shows all these other accounts. It does not show my employment information. 
I have lived in the same address since I was XXXX XXXX XXXX yet it shows XXXX other addresses besides my own. 

I believe they have merged my account/information with another person because this happened with another credit reporting company but they were able to fix it when I contacted them. 

During the past couple of years I have tried to get my credit report ( online ) from Equifax but could not because I could not answer the pre-screening questions correctly since obviously the information was not mines. 

I tried to contact Equifax multiple times. During the phone I spoke to someone who sounded like he clearly was not from this country. He had a great deal of trouble understanding what I was explaining. I then tried to get my credit report through mail by sending the required information including a copy of my state ID and social security card. They said the information was not enough. 

I was finally able to obtain my report from them by signing up to the TrustedID premium service they recently offered as a result of their security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need deleted is in the report. I am a victim of identity theft and did not make this charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. And I also enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete this item as soon as possible.
Product: Mortgage

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rm. XXXX XXXX, CA XXXX ( XXXX ) XXXX To : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Attn ; XXXX XXXX Department XXXX : Release of Lien Letter : Loan No : XXXX This is not a formal Complaint. 

Just a letter of request for another copy of the " Lien Release letter '' thatRepresentatives of XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America, mailed to my spouse and I on or aboutXX/XX/XXXX. 

Unfortunately, having sentthe original to the Internal Revenue Service, and a copy to the California XXXX XXXX XXXX, I find that we had dispensed of our only remaining copies. 

To give you a clear sense of the letter itself, below is the transcribed copy I provided for my viewers and to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX throughmy website address. ( XXXX ) " XXXX XXXX and XXXX XXXX XXXX XXXX Substitution of Trustee and Full Reconveyance : Property Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Homeowner : Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which releases a lien on property included in the public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. 

In the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyanc is combined or accompanied by a Substitution of Trustee wherein the lender or the current holder/beneficiary substitutes the original Trustee with a new trustee. 

XXXX XXXX XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based on the statutory guidelines and it removes the encumbrance from your property. 

XXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, XXXX. and is responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. 

Paid-in-full loans are referred to XXXX XXXX, XXXX. for lien release processing. All lien releases or reconveyances are recorded with the County Recorder 's office where the original Deed of Trust or Mortgage was recorded. 

Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records '' Again, I need a copy as soon as you can mail it to us at the above address in XXXX, CA. XXXX. 


I will have the copy notarized, and recorded with the XXXX XXXX XXXX Recorder 's Office. 

If a copy had been recorded by your company, I would have been able to access it from the Recorder 's office. 



XXXX XXXX XXXX
Product: Debt collection

This complaint is to formally request the removal of the collection account associated with CONSERVE Account Number XXXX from my credit report. 

I have already paid this account in full on XX/XX/2023. 

Since the debt has been fully satisfied, I am requesting that you initiate the process for its complete removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in this report has no relation to me. I have been unable to obtain more credit because of this unfortunate situation. I have contacted each creditor and they have failed to provide me with any documentation with my wet signature stating that I owe a debt to any of these companies. Under FCRA 609A, they have failed to verify any of this information. UNDER FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS REMOVED IMMEDIATELY. FAILURE TO COMPLY WILL RESULT IN A LAW SUIT AGAINST ALL PARTIES INVOLVED, INCLUDING ANY AGENCY reporting inaccurate information to my credit profile. 

PLEASE REMOVE THE FOLLOWING INFORMATION : XXXX XXXX XXXX {$610.00}
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 Acct # XXXX, has violated my rights. 
XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 
XXXXXXXX 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 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: Checking or savings account

The bank closed my account with {$2100.00} in it. I am a single mom of XXXX. They would not allow me to access my funds in a faster way. They would not tell me why my account was closed. I need my money back.
Product: Checking or savings account

On XX/XX/XXXX XXXX took 2 unauthorized payment from my checking account both in the amount of {$500.00}. I tried to call them and you cant talk to a live person so I made the complaint online later that day they sent me an email saying they werent refunding the XXXX. Thats all I got from them. I wanted to know why that was their decision, I didnt get answer. Hackers got into my checking account that morning and made several withdrawals this XXXX withdrawal was just one of several. The hackers opened 3 accounts in my name and used these accounts to take money from my checking account. The 3 accounts were XXXX XXXX, XXXX and XXXX I have never had any of these accounts.
Product: Student loan

My PSLF was accepted certified and submitted to Mohela on XX/XX/2022. I have spoken to Mohela to ask the Federal Student Aid be provided the credit information. XXXX sent me a form indicating Federal Student Aid is waiting on Mohela to provide the counts to them. I have spoken with Mohela often and requested. Assure this is happening. I am consolidating loans. This is urgent information for XXXX. I can see my credits for PSLF on Mohela site and on my account. Unfortunately my servicer, Mohela has not provided Federal Student Aid with the information.
Product: Debt collection

XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$730.00} that appears related to the aforementioned personal credit account opened at XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I went to get my car diagnosed from a leaking coolant. I took it to XXXX 's XXXX XXXX XXXX in XXXXXXXX XXXX. After charging me {$75.00} to diagnose the problem- to which I paid {$100.00} of this dispute in cash, they came back and told me it was the Water Pump and charged me {$850.00} to repair it. They said this would solve the problem. I took the last money I had to get the car repaired as I need my vehicle to make money. I drove the car and had no problems for XXXX week. Afterwards, my car started to ding while driving and I looked and the coolant was low- they misdiagnosed the problem. I was told that sometimes after a repair the coolant needs to be topped off and so I did that and it solved the problem again for XXXX week. I then called them and the gentlemen who answered the phone stated it could be a variety of problems and that he would not be able to get me in I would have to drop the car off. I explained to him that I had already waited long enough and he got very short with me. I then took my car to be diagnosed somewhere else and they stated it was a fan and a leak in the coolant line that causes the problem. I got nowhere with XXXX 's XXXX XXXX and so I contacted Bank of America finally on XX/XX/XXXX to reverse the charge so that I can get the car adequately repaired. No where on the diagnosis list do any of these problems show up but I know there is a leak because I got the car recharged and there was 11 % of antifreeze in there which started to leak soon afterwards. 

On XX/XX/XXXX I disputed this with Bank of America and asked them to issue a temporary credit so I can have the work done. I was told that they could not issue a temporary credit that they would have to work with the company to get my funds back. Only XX/XX/XXXX, I requested another temporary credit stating that I knew they could issue them as I have had problems before ; I went into the branch and had the letter faxed over asking them to issue the temporary credit so the vehicle could be repaired correctly and that I was unable to work without a vehicle and they sent me back a letter on the XXXX stating that they were starting the claim with the other bank. 

I am once again asking for a provisional credit so that I can get back to work safely. I can not run my air conditioner in my vehicle, I care for my XXXX XXXX XXXX grandson and it is the middle of Summer. I have tried to work with the automotive place, I have tried XXXX phone calls and fax to work with Bank of America and the only person being negatively affected by this is me. 

I am again asking for a provisional credit as now we are going into 1 month of the dispute and almost 3 months of a repair that was not done correctly or misdiagnosed. I am asking Bank of America to please issue a provisional credit because although {$800.00} means nothing to them, it is the difference of me eating and having a place to stay and is standing in the way of me being able to make money to live. Any help given would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}