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 FEDERAL TRADE COMMISSION or https : XXXX 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 XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Reference my CFPB complaint, ID # XXXX, to Check into Cash INC., submitted on XX/XX/XXXX ; and Check into Cash INC. response to this CFPB complaint on XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX reported a Delinquent Account in Collection, from Check into Cash INC., to all three Credit Reporting Agencies. The First Date of Delinquency for this Collection Account is showing as XX/XX/XXXX. In my above referenced CFPB complaint, I requested Validation of this Collection Account from the Original Creditor, which is Check into Cash INC . In their response, Check into Cash INC. stated that the Delinquent Account has been recalled from XXXX XXXX XXXX, XXXX XXXX XXXX ; and my outstanding balance is forgiven. They also Validated the First Date of Delinquency is on or before XX/XX/XXXX, which was when they FIRST sent this Delinquent Account into Collection. 

Per the FCRA, based on the XXXX XXXX XXXX XXXX XXXX, which is on or before XX/XX/XXXX, this Collection Account is over 7 years old, therefore TOO OLD to be on my Credit Reports. XXXX XXXX XXXX, XXXX XXXX XXXX should have never sent this Collection Account to the Credit Reporting Agencies. 

Since Check into Cash INC. is the Original Creditor, they should furnish all three Credit Reporting Agencies { XXXX XXXX XXXX XXXX  } with  the Validated Date of First Delinquency, which is on or before XX/XX/XXXX. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, and/or Check into Cash INC. should have this Collection Account deleted from all three of my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX EQUIFAX RE : Accounts : XXXX XXXX  XXXX IS NOT MY ACCOUNT SELF XXXX XXXX  XXXX IS NOT MY ACCOUNT. 
XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT XXXX XXXX XXXXXXXX IS NOT MY ACCOUNT XXXX XXXXXXXX XXXX IS NOT MY ACCOUNT Dear EQUIFAX XXXX How is it that the other two credit bureaus was not able to verify these accounts but you was and youll access the same information Delete account immediately! 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. If this issue is not resolved soon and account deleted as well as incorrect address deleted, I will be forced to sue this company for reporting false and inaccurate information. I am also requesting any inaccurate personal information that does not belong to me be deleted immediately! As they are not reportable as per the FCRA, since they are inaccurate. If these accounts are not deleted and I do not receive validation/ proof of ownership from original creditors and the verification process that took place I will be suing Equifax company . I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping susceptible to identity theft, but its hindering my from applying for credit
Product: Credit card or prepaid card

The Home Depot Consumer Credit Card from Citi Cards / Citi Group Inc. Has been horribly misleading. Customer service has hung up on me several times. 

This company put a balance of {$130.00} on my card without approval or my consent. I bought nothing in this amount. I did not authorize the charge. I agreed to nothing that would allow for this type of unfounded charge to my account. 

It all started when I went to pay off my balance in full at the store. The in-store employee told me the amount and I paid it. A week later, I realized the employee had given me an amount that was {$130.00} more than my actual balance. 

I had to learn this on my own and pursue the company. They agreed to pay me back. Then these idiots paid me back twice. When they finally realized what they had done, they decided to just put this balance back onto my card with a high interest rate without notifying me. 

Is this even legal? They should have to make a request, or notify me that they made a mistake. Instead they just attached it to my account. I keep a XXXX  balance, I have no reason to look at the monthly statements. And so for months I had no idea what they had done. I thought I had a XXXX balance! Now I 'm paying interest!?! 

This should be criminal. If anyone else has had this problem, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'd like to pursue a class action lawsuit.
Product: Credit reporting or other personal consumer reports

This account is not mine and I'm a victim of identify theft. I reported this account was unauthorized on XX/XX/, The Creditor has stated that the account was authorized and closed the account. This account has been paid for due for the sake of my credit report. This Merchant has reported this account delinquent on my XXXX
Product: Checking or savings account

FIFTH THIRD BANK PROVIDED ME A COUPON OFFER FOR MOMENTUM BANKING WITH A {$700.00} CASH BONUS. WHEN I ATTEMPTED TO OPEN THE ACCOUNT ONLINE, AFTER THEY VALIDATED MY DRIVERS LICENSE AND SSN, THEIR WEBSITE SAID I ALREADY HAD AN ACCOUNT WITH THEM. 

I CALLED AND WAS TOLD THAT ACCOUNT WAS OPENED IN XXXX AND CLOSED IN XXXX. 

THE COUPON TERMS STATE " OFFER NOT AVAILABLE TO EXISTING FIFTH THIRD CUSTOMERS OR THOSE WITH A FIFTH THIRD CHECKING ACCOUNT THAT CLOSED WITHIN THE LAST 12 MONTHS. '' BECAUSE I CLOSED AN ACCOUNT FIFTEEN YEARS AGO, I AM INELIGIBLE TO GET THE BONUS BECUASE I'M STILL AN " EXISTING FIFTH THIRD CUSTOMER. '' FIFTH THIRD IS COMMITING FRAUD IN ITS INDUCEMENT AND ADVERTISING TO " NEW '' CUSTOMERS.
Product: Debt collection

I have tried numerous times to reach out via disputing on my credit report a collection of XXXX on an auto loan I took out years ago. I had gap insurance and was told when I financed with XXXX XXXX the gap insurance would take care of any balance on the car if total loss. However I see on my credit report where I owe a balance when I shouldnt. Security Credit Services failed to verify debt verification or original signed agreement and a balance on acct from XXXX to present. I want this debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked, Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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.

Also they are not compliant with Metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I see an additional auto loan with XXXX XXXX XXXX on my credit profile. It is any error and inaccurate. My account with XXXX is paid in full and closed in good standing. This account is not mine.
Product: Checking or savings account

Capital One 360 Savings Bonus. Capital One ran a special whereas if one opened one or more accounts between XXXX and XXXX of XXXX, in the amounts from {$25000.00} and {$100000.00}, and these amounts did not decrease for three months by XX/XX/XXXX, a bonus would be paid on XX/XX/XXXX in the amount of 1 % for each account. ( {$250.00} and {$1000.00} ) I opened up two accounts in these amounts on or just prior to XX/XX/XXXX. It was mentioned to me that one could not have a current open savings account with Capital One after XX/XX/XXXX. Apparently I had a " dead '' account on file that was with XXXX balance and had been unused since that time. I believe that 1 ) Capital One altered the rules shortly after I made these deposits unknown to me, changing the wording and payout date. ( originally XX/XX/XXXX changing to XX/XX/XXXX. XXXX ) The ghost account had not been used for almost four years and most banks close such an account out after no activity. I assumed it was closed with no activity for the past four years. My belief is Capital One has pulled a " bait and switch '' whereas I had in excess of {$120000.00} tied up in the new accounts for over four months. I called them to no avail thus no bonus.
Product: Payday loan, title loan, or personal loan

Someone used my name and got {$590.00}. At Check Smart. In XXXX Ohio. I did not receive anything from this company. Just a phone call last week.from XXXX. From a manager.
Product: Credit reporting or other personal consumer reports

I am sending you this letter to formally dispute this Collection Account that is still being reported on my credit report. I'm currently in the process of trying to relocate and since it is required for me to pay off this XXXX XXXX with original creditor XXXX for them to approve my application. The account is still listed as a collection on my report although I paid it off. I dont want to keep getting denied. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Student loan

XX/XX/2022 - XXXX advised me that I am eligible for PSLF based on my payment history, and in order to qualify, I would have to consolidate my loans at MOHELA. I completed the application on XX/XX/2022. 

XX/XX/2022 -- MOHELA advised via email and letter that they are my new servicer and show a total dollar amount of my loans, but no loan detail is provided. 

XX/XX/2022 -- MOHELA advises my PSLF is declined because they have not received the loan detail and payment history from the Department of Education. 

XX/XX/2022 -- I contacted MOHELA Customer Service and was advised to wait 30 days and follow up with them. 

Followed up on the following dates and still no resolution : XXXX, XXXX, XXXX, XXXX Almost all of my loans will qualify under PSLF. MOHELA needs to correct my PSLF standing and process the request accurately.
Product: Mortgage

This is a continuation of my previous complaints that have not been sucessfully resolved. 
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. 
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. 
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. 
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. 
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. 
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. 
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. 
i.XXXX called and said there is no offer of money .... 

HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.
Product: Credit card

im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX XXXX # XXXX Account Number : XXXX # XXXX - BALANCE {$4400.00} Account Number : XXXX XXXXXXXX XXXX  # XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX # XXXX - BALANCE {$2700.00} Unauthorized 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 mutiple inquiries came onto my credit report and days after to and i think someone has my social security number and trying to get things in my name.
Product: Credit card or prepaid card

This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION
Product: Consumer Loan

I 'm paying a 29.9 interest rate on my vehicle. In other words, I 've paid XXXX towards it and the amount I owe has only gone down by XXXX. They refuse to give me documents on any of this since I 've looked into an attorney. This is in North Carolina where North Carolina interest rate laws set the maximum rate at 8 percent. My loan is through Santander consumer USA.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies.

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report.

Cease all collection activities related to this account.

Provide me with written confirmation that this account has been removed from my consumer report.

Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action.

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX