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

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Portfolio Recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. Please provide the following information : The original creditor 's name and contact information. The original account number and the date the account was opened. The total amount of the debt, including any interest and fees that have been added since the last payment. Documentation showing that you are authorized to collect this debt. Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I had previously file you a report on XX/XX/2023, requesting an investigation into the information being reported on this account. However, I received a response from you stating that the account was verified and there would be no change. Subsequently, I reached out to the creditors for verification of the information but received no response. I repeated my request for verification but still got no response. I have now exhausted all possible means to resolve this matter and demand that the account be deleted from my credit report as it is invalid and unverifiable. According to the Fair Credit Reporting Act, if there is no proof of debt and no verifiable information, then the information can not be reported to or by credit bureaus. Please take the necessary steps to remove the following accounts from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all inquiries shared with others and shared with me only. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX   XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXXXXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Product: Student loan

This account represents a clear breach of contract and is fraudulent in nature. The company failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the company 's actions have resulted in significant harm to my financial well-being. The account is : SCHOOLSFIRST FEDERAL XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Bull City Collection Agency regarding their collection practices in relation to my accounts with them, identified by account numbers XXXX and XXXX. It has come to my attention that Bull City Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Bull City Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. Bull City Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. Bull City Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. Bull City Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. Bull City Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit.

I demand that Bull City Collection Agency cease all collection activities related to my accounts and delete the reporting of the accounts to the credit bureaus. Furthermore, if Bull City Collection Agency believes they have provided proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Bull City Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.
Product: Credit card or prepaid card

Last month I had the fraud case and got help for it with your company then the direct express card put a payment on it and didn't explain what was going on. 
Then yesterday XX/XX/2022 I got a overdraft fee of XXXX and they took my money I had left on my card XXXX and so I called them and they said that they closed the investigation that day and that's why I was charged the money. Then today I called them back to get more information about it. The lady XXXX told me that I need to pay them back for the money they put on my card and that I don't have any other choice. 
I live on a strict budget for the month I can't even live on what I get with out help I got a lot of bills I can just pay that kind of money in one go they are the ones that made the mistake on my card and now they want me to pay for it.
Product: Credit reporting or other personal consumer reports

Identity theft affidavit, police report, ftc complaint, and statement of fraudulently obtained accounts has been provided and XXXX will not remove the fraudulent debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute on XX/XX/2021 along with identity theft report. My dispute deleted some collections but the credit bureaus did not remove all the fraudulent accounts from my reports. 
XXXX XXXX and XXXX XXXX collections both need to be removed
Product: Debt collection

This is an Apartment lease, not a Mortgage, but mortgage was similar to Apartment in the option box. 
This third party keep calling me about an alleged debt I have with them. I wrote them requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : Validation of the alleged debt ( the actual accounting ) ; Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; & A copy of the contract signed by both parties and therefore binding both parties. 
They threatening to impugn my reputation by publishing derogatory Information about them on my credit report and now my credit is ruined. 
I was misinformed according to Contract Law & there was no Valuable Consideration given by all parties. 
P.s. this constitutes wire fraud, because they claim I owe a delinquent payment. I was contacted via telephone, by them requesting a payment.
Product: Money transfer, virtual currency, or money service

Solo has stolen my funds and won't let me access my money : I have not been able to withdraw money from my wallet into my bank account for several weeks. I continuously reach out to the support team, and they lie and say they will fix it. I am deeply concerned about this situation and find it unacceptable for a company to handle funds in such a manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.
Product: Mortgage

Hello, I am contacting you in regards to my mortgage acct with Freedom mortgage. I have been struggling with this company now since XXXX I filed chapter XXXX Bankruptcy XX/XX/XXXX prior to that I was working with Community Development with the City of XXXX to get a loan modification during this period of time NEVER helped me they were always missing forms ( There is no decision yet they are still confirming that we sent everything that was needed for the underwriter. ) so I was at my final days and I filed bankruptcy this year in XXXX The mortgage company has filed a Motion for Relief from stay, I was able to obtain a stipulation and was required to make payments to catch up this was finalized and i am still having issues with payments not being applied correctly. Now my current statement show that I owe XXXX payments are being miss applied. 

I am on this loan with XXXX XXXX, who did not file bankruptcy and they refuse to speak with her in regards to the loan, my chapter XXXX attorney states she has nothing to do with the fees going forward after the bankruptcy was approved and the stipulation is in place. 

I need help, I am not allowed to speak to any one there due to the bankruptcy, what can i do from her this is my 4th round since XXXX I do not want to lose my home!
Product: Mortgage

A Foreclosure Sale date is a schedule for XX/XX/2018. I, XXXX XXXX, 3rd Party User, called CitiMortgage on XX/XX/2018, at XXXX XXXX  EST, spoke to XXXX, ID # XXXX, Collections Department, to find out the postponement of the Sale pending access of an appraisal of the property for the short sale purchase, XXXX, he told me that short sale documents were received on XX/XX/2018, file was closed out. I asked what was the reason, his answer Documents Not Returned for the life of me I didnt know what that meant I asked him to explain what it meant he did know that he was in Collections, not Loss Mitigation that I could not be transferred to that Department for explanation, I requested to speak to a Manager. XXXX put me on hold again came back asking for my phone ( XXXX ) that XXXX XXXX, Manager, would call me back. I didnt think XXXX  XXXX would call me back that it was another attempt to deflect any attempt to postpone Sale for a short sale purchase this why this Complaint is being submitted. 

Notwithstanding, I called back this time I spoke with XXXX, ID # XXXX, Ownership Department, at XXXX XXXX  EST, again I asked the status of the postponement of the foreclosure pending an appraisal. She stated that she was told that I needed to speak to the foreclosing attorney, XXXX , XXXX XXXX XXXX , XXXX, I told her that made no sense, again, another attempt to delay any attempt to move forward the short sale purchase. I asked to speak to a Manager, XXXX ID # XXXX, was of the Loss Mitigation Department came on the phone at XXXX. EST and advised me in no way they were going to postpone the Sale for the Short Sale because the owner lived in the house for ( 10 ) years for free and that they needed ( 45 ) days to consider a postponement for a short sale. I stated to him that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days to cure a defaulted loan that his ( 45 ) days contradicts the State of Maryland Law. If the foreclosure sale and/or ratification occurs, CitiMortgage and all Parties involved will have committed a felony. Please pull the called in the transcript of my conversations with above Parties.
Product: Credit reporting or other personal consumer reports

I have been in XXXX different data leaks. Not XXXX company made an effort to inform me of any of this. My personally identifying information was found on the dark web  and sold. I will attach a complete list of companies, if you will give me a chance to compile. Some of these companies had already been taken in front of the FTC. I have never received any notice or information. I am only now learning of all of the damage that has been done to me. My be informations that were taken has been : Name, Birthdate, place of birth, maiden name, married names Social Security Number, Adresses, telephone numbers, work, bank accounts, every piece of information except for the fact that I am a convicted felon. Through a little research, I have found that I have someone passing themselves as me in XXXX. This person even uses my address in XXXX, XXXX. Unbeknownst to them, that is the address of a state approved halfway house for prisoners being released from state prison that has no actual home plan. I will gladly gather all of the evidence and send it in as well. Off hand, I have been in XXXX data leak. XXXX. And quite a few more, like I said, XXXX different data leaks. This has diminished my credit. My information is still being used in all different ways. All obtaining bank accounts, credit, and even with private businesses. I can not get a home loan, any type credit product, or financing for nothing. Not even the legitimate business I am trying so very hard to start. This has lead to a complete financial hardship on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX and 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX    XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Product: Debt collection

on XX/XX/2018 and XX/XX/2018, convergent went on my credit report without permission or just cause. validate collection asap. also, stop calling my landlord XXXX XXXX XXXX on his cell number ( XXXX ) XXXX or face class action litigation.
Product: Credit reporting or other personal consumer reports

I want to file this complaint with TRANSUNION. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 
I have also attached the FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

I have raised a Dispute with XXXX, XXXX, TransUnion for a closed XXXX XXXX credit card account XXXX with XXXX XXXX XXXX The Creditor ( XXXX took over XXXXXXXX XXXX XXXX relationship with XXXX XXXX store cards ) has no record of a credit card account for XXXX ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : XXXX, XXXX, TransUnion. 

XXXX - Online Account : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX, GA XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, PA XXXX TransUnion - Online Account : XXXX XXXX XXXX XXXX, FL XXXX TransUnion - Credit Report : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit showing my personal information can't be verified due incorrect information an companies can't verify my address on my report incorrect TransUnion need to update correct address an the banks can't verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX. Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX. Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX. Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX XXXX. Account XXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.