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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .
Product: Debt collection

I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward with reporting and filing the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/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: Checking or savings account

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : On XX/XX/XXXX, I submitted a complaint identified with the number XXXX because, since XX/XX/XXXX, I have been unable to access my account, use my debit card, or access my savings. 

The previous complaint requested the unblocking of my account because the fraud team was unable to verify my identity with the provided information, and I received disrespectful treatment on several calls. 

In response to my last complaint, the bank instructed me to provide my employer 's phone number for verification. Following these instructions, on XX/XX/XXXX, I called and provided the number for my employers office in XXXX, CA. However, I am still receiving the same response. I explained to the agent that this phone number was requested by the bank, but it was deemed insufficient, and I still can not access my savings. 

Additionally, I have not received the letter with the code. According to the information provided by the agents during my calls, the bank supposedly sent three letters : one on XX/XX/XXXX, another on XX/XX/XXXX, and the last one on XX/XX/XXXX. I have waited longer than the specified time, but I have yet to receive any of these letters. 

As I explained in complaint XXXX, I have moved to XXXX, making it difficult to travel to XXXX XXXX XXXXXXXX to visit a branch. According to the agents, without the letter, I can not take any action regarding my own money, even if I visit the branch in person. 

It has been over 18 days, and the bank has not provided a real solution. I have also requested my account statement for the last two months, and I did not find any suspicious transactions. Therefore, the justification of protecting my account from potential fraud does not apply in this case. 

Please provide me with an email address where I can send evidence of my new address in XXXX, my phone number, and my job certificate.
Product: Credit reporting

XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND XXXX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.
Product: Debt collection

This is in regard to Ability Recovery Services phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from XXXX before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that ability recovery services has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is XXXX
Product: Checking or savings account

Bank Of America ATM deposit on XXXX of XXXX the atm only credited XXXX and gave back XXXX missing the other XXXX. Filed a claimed immediately over the phone, they said they would credit the account and conduct an investigation. 
On XXXX first thing in the morning I showed up at the branch where this happened, they confirmed their atm amount was over by the amount of my claim had that it would take 2 days to get the money back. Nothing has happened and I must pay my mortgage, the bank where I have my mortgage does NOT care about this problem I have with Bank Of America, they just want their payment. This was not my fault in any way and yes they are taking their time crediting my account, at least they should have the courtesy of doing so while they conduct their investigation, I do not want and cant be late on a mortgage payment which would certainly damage my credit. I have been a customer of Bank Of America since 2005, incredibly that they dont show any efforts to expedite such a big mistake caused by THEIR machine, its not change money it is XXXX!
Product: Debt collection

I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XX/XX/year> {$630.00} I have been a victim of identity theft. I have a police report on file. The company had been harassing me with phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 accounts total, 1 on XXXX, 2 on transunion and 1 on XXXX which have been closed satisfactorily, except for a couple of late payments that I not only informed creditors of, but also caught back up with before the time that has been reported. Recently this has affected my life and chance to keep my credit clean as I have attached in screenshots, these decades-old account shouldn't be showing as seriously delinquent to this day when i caught up and closed them amicably.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Information To Whom It May Concern : I am writing to file a formal complaint regarding the unresolved inaccuracies and unverified information on my credit report, which is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my initial dispute with the credit reporting agency ( TransUnion ) dated XX/XX/XXXX, the disputed items have not been corrected or removed. 

Details of Disputed Accounts : Account XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Revolving - Credit Card Date Opened : XXXX Balance : {$0.00} Credit Limit : {$300.00} High Credit : {$430.00} Payment Status : As Agreed Late Payment Status : Was 30 Days Late 2 Times Comments : Current Account/Was 30 Days Past Due Date Two Times, Account Information Disputed By Consumer Discrepancies : Reported with both XXXX and XXXX as Date Last Active. 

Account 2 : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment/Open - Factoring Company Account Date Opened : XXXX Balance : {$2600.00} High Credit : {$2600.00} Payment Status : Collection or Charge Off Late Payment Status : Was 90 Days Late 18 Times Comments : Account Seriously Past Due Date/Account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department , Account Information Disputed By Consumer Discrepancies : Reported with conflicting statuses ( Closed and Open ) and impossible dates ( XXXX and XXXX ) as Date Last Active. 

Disputed Items and Grounds for Complaint : Despite my request for verification under FCRA 609 ( a ) ( 1 ) ( A ), the credit reporting agency failed to provide the necessary documentation or correct the inaccuracies.

Inaccurate Reporting and Impossible Dates : Account 1 : The Date Last Active has been updated with an impossible future date ( XXXX ), indicating erroneous reporting. 

Account 2 : The account can not be simultaneously reported as both " Closed '' and " Open, '' and it contains impossible dates ( XXXX and XXXX ). 

Erroneous Late Payment Claims : Account 2 : It is reported that I was 90 days late 18 times, which is mathematically impossible given the account 's opening date of XX/XX/XXXX, and the current date. 

These inaccuracies suggest a failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported, as required by FCRA 623 ( a ) ( 1 ) ( A ). I have requested that the credit reporting agency delete the unverifiable and inaccurate information as required under FCRA 611 ( a ) ( 5 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is in response to complaint XXXX To Whom It May Concern, You stated in your response that for the following accounts you hold a Business Associate Agreement with XXXX Florida XXXX XXXX XXXX One question. What does that have to do with me and my PHI? I know everything there is to know about HIPAA and the ONLY reason that ANY of my PHI should be given is with MY CONSENT or if another physician has something to do with my case not in collection of an alleged debt! According to the CDC The HIPAA privacy rule contains standards for individuals rights to understand and control how their health information is used. Regardless of the business that you have with XXXX Florida XXXX, you are not considered a covered entity. You and I also do not have a contract binding my wet ink signature and yours. Until you can provide to me the document that I provided North Florida XXXX my request to release my PHI and health information to you Choice Recovery, I demand you stop trying to collect on the account. Under HIPAA I reserve the right to protect the privacy of my personal and health information from all third party reporting agencies. Please provide the above requested documents. This notice is request for VALIDATION not VERIFICATION and I request FULL DOCUMENTATION containing all information that you received from XXXX Florida XXXX  of this alleged debt. 
Continuing to report this Medical debt without properly validating, having permission to my PHI and medical information, and without providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
I expect a response within 15 days from the date of receiving this notice to respond or this alleged will need to be removed immediately. 

XXXX : XXXX ' Done in good faith. WIthout prejudice. All inalienable rights reserved. 

Account in question -- -Choice Recovery Inc XXXX {$120.00} XXXX XX/XX/1990
Product: Payday loan, title loan, or personal loan

My Nephew needed a better car for work, ( His credit was not real good ), so I put the car in my name, paid down payment, and every payment. When his wife got a job they where to start making it, but my Nephew died. Wells fargo sent a check because we I had overpaid. But when they sent the check it had XXXX XXXX and XXXX XXXX, and my bank whould not deposit it. I returned the check and told them he was dead and since my name was first and he had not paid any down payment or any payments, to please send new check with just my name. ( Who would send a check to a dead person ) They where nice at first and said it would be taken care of, but the next person I spoke with was a _itch of the first degree. I'm on a very limited income and need the money. Wells Fargo new my nephew was Dead before I called them. Thank you for your time XXXX XXXX XXXX :
Product: Money transfer, virtual currency, or money service

Unauthorized purchases and charges {$1500.00} reported it on the app as fraudulent no actions taken by cash app
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Has violated my rights I looked at my Transunion report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I sent off certified letter on XX/XX/year> to the reporting dept collector Profolio Recovery Associates asking for validation on account XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay Portfolio Recovery Associates thats reporting this account. The original creditor XXXX XXXX reported this account as charge off and closed. I never received a 1099-C form which is a Cancellation of Dept or was I notified this dept was being sold off.Under law 15 USC 6802 obligation with the respect to disclose of personal information also 15 USC 1692e False or Representation and section 623b Violations the Fair Credit Reporting Act also section 807-8 violation of the Fair Dept Collection Practices Act.Im asking for this Account be removed immediately
Product: Checking or savings account

Since 2018 when my CD account was automatically renew with a supposedly highest interest for 48 months, I received the maturity noticed with an interest of XXXX APY not the highest as they offered with the long term ( longer terms May earn higher interest rates as Wellsfargo offered me in the letter attached ). Also they paid me the lower interest seen in my life for a money market saving account in comparison with others financial institutions, so I need assistance in this matter to recover all my lost, not even today a credit card interest are from XXXX XXXX to XXXX XXXX for a loan of {$1000.00} So they used and hold my money to make their profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   These are not my accounts and I would like to remove them all thank you.     XXXX     XXXX     XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX    XXXX    XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX    XXXX   XXXX   XXXX   #  XXXX
Product: Credit card or prepaid card

I purchased concert tickets on the XXXX website on XX/XX/20. The merchant ( XXXX ) had offered a refund due to COVID-19 ( which I elected to take ). The merchant refused to honor the refund request I had made through their website. I filed a dispute with my credit card company I used to make the purchase ( Discover ).  Despite submitting clear and compelling evidence that I was owed a refund, Discover upheld the charge, and now I have paid over {$1000.00} for concert tickets I can not use, sell, or exchange due to XXXX XXXX  policies. I strongly feel that Discover is complicit in defrauding consumers and must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need credit report update XXXX Ally Bank and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported by XXXX XXXX service for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX. **Lack of Debt Validation** Under XXXX15 U.S.C. 1692gXXXX of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXXXXXX XXXXLack of Assignment ContractXXXX  Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.