23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with PROCOLLECT , INC account number XXXX, dated XX/XX/year>, with a balance of {$7300.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit card

Opening FAKE account in my name ( See this information after the merger between TD bank XXXX XXXX XXXXXXXX XXXX Quote " TD of running a fake account racket, much like the XXXX XXXX scam ) and charging non-payment penalties '' ) - damaging by credit score and mental stress. 

Refuse to take action after numerous calls. 

TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
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. 

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 an 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 from XXXX XXXX under the account number XXXX, an personal loan account from XXXX XXXX XXXX under account number XXXX, an personal credit card from XXXX XXXX under the account number XXXX, an personal credit card from XXXX XXXX XXXX under the account number XXXX, an personal loan from XXXX XXXX under account number - unknown, an inquiry from XXXX XXXX XXXX XXXX, and an inquiry from XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1881 section 602 A States I have a 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 Stataes no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 Usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no idea what this debt is. XXXX dropped it off my credit report! Its been on my report for 7 years!!!! 
Regardless, of what/why/where this debt is. SEVEN YEARS HAS PASSED THATS PSY THE STATUTE OF LIMITATIONS FOR THIS TO CONTINUE TO BE LISTED AS A BAD DEPT ON MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is truist bank and XXXX XXXX XXXX  ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually uses incorrect information to get my FICO Score. MY score is 34pts higher with XXXX and XXXX  XXXX XXXX ) which is quite ridiculous and Experian does't use the correct formulas for calculating scores. a few pts here and there are one thing, but XXXX is not acceptable. Their system is antiquated and they refuse to do something about it. I have sent them many messages and they can't explain why they are incompetent. Many places use Experian as a credit check and it hurts when they are not reporting properly. They need to be accountable just like you and me. Please look into this matter. Thank you in advance XXXX
Product: Credit reporting

I disputed the validity of a public record item I had noticed on my credit report and Equifax deemed it as Released/satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just und er ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and damning my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
Product: Student loan

On or about XX/XX/XXXX I submitted a complaint to XXXX XXXX to prompt an investigation for identity theft. In XXXX and XX/XX/XXXX loan disbursements were made to XXXX XXXX University ( XXXXU ) in my name. I graduated XXXXU in XX/XX/XXXX and did not return to school to obtain my XXXX until XX/XX/XXXX at XXXX College. When I spoke to the registrar at XXXXU I was informed that classes were registered online through my XXXX ( school ) account for the year the disbursement was made. I never registered for any classes. 

During the investigation the loans that I did take out were placed in an administrative forbearance. On or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing me that the investigation was closed and I needed to submit more information such as a judgement/verdict made in court. I filed a police report and submitted all paperwork required for my complaint. I can not provide a court verdict if I do not know who received/requested these loans in my name. After receiving this information, I inquired about receiving a more detailed explanation as to what was actually done during the investigation and why it was closed. I was told that I should be receiving further documentation in the mail. I waited three to four weeks and I never received this information. 

I called XXXX XXXX again to inform the customer service representative that I never received the requested information although it showed documents were sent to me. I was also informed that the reason the investigation was closed was because signed documents and promissory notes were found matching the signatures of the documents I sent in with my fraud packet. If this is in fact the reason my investigation was closed I refute this as valid reasoning. In my written statement, I mentioned that promissory notes, once signed, cover a couple of years which is why it is not required for students to sign promissory notes for each year. Therefore, I only have two promissory notes and not four for each school year during my time at XXXXU. 

I submitted a request for information requesting again a detailed explanation to why the investigation was closed and the documents the rep referred to that were signed by me. Here it is XX/XX/XXXX and I still have not received anything.
Product: Debt collection

I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe. 
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY COLLECTION XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX
Product: Mortgage

We are officially filing a complaint against XXXX XXXX of Citywide Home Loans in XXXX, Colorado. 
XXXX XXXX My husband and I, both XXXX at the time, moved to Colorado and purchased our first home. Being first time home buyers we were not aware that we had options regarding our mortgage broker. Our realtor basically told us, this is who you have to use, submit your information to XXXX XXXX for pre-approval so I can show you houses. When our offer was accepted on our new home, we told the mortgage broker that we were interested in a physician home loan. We actually brought this up on 3 different occasions with him, once by phone between him and I, once with my realtor, and once with my father who we were possibly going to use as a co-signer. XXXX said on all 3 occasions that XXXX were not available in the state of Colorado, as they were illegal in some way under Colorado rules. He stated this so confidently that we took his word for it as we did not feel we would know this states market better than he did and went forward with the loan he did have to offer us. We have since learned that physician loans were offered by at least XXXX companies at that time. So as soon as we realized this, we re-contacted XXXX to discuss and see if he could assist us in getting into the XXXX as we originally requested. He again argued that they were not available to us at that time. We asked that he simply pay the PMI that we had lost over the past 6 months and/or closing costs to get us into the right loan. He refused any sort of compromise or discussion. I reached out to his supervisor who directed me to corporate. We had a discussion with corporate after 2 weeks of " investigation '' with XXXX XXXX. The lawyers first comment to me was, " I understand you are upset because you were n't offered some sort of physician discount. '' Nope, no discount, just wanted a physician loan. Just frustrating that after 2 weeks of investigation, this is all XXXX had expressed to her ; basically, it felt as if they really did no true investigation of the details and matters pertaining to our situation. 

I feel as a mortgage broker he had a fiduciary duty to provide us with the best loan in our economic interest. In our case, this would have been the physician loan. We have also been advised that we also qualified for FHA loans which also were not offered to us and could have been another more beneficial option for us. Now, either he was uneducated on what is available in the market for physicians ( if so, he had a duty to tell us he was unaware of such a loan and we could have done research on our own, rather than stating they are " illegal '' or not available in our state ) ; OR he was aware of these loans but could n't write for it himself and thus make a commission/income placing his own economic interest ahead of ours.
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB CARD Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX, please send me proof of permissible permission used for fraudulent loan dated XXXX, loan # XXXX to myself and Transunion and XXXX. You have refused for 4 years to comply. I will stop complaining when you comply and send copy of credit report used together with the permissible permission. I am including Transunion and XXXX.
Product: Mortgage

I am in the middle of a medical crisis, trying to determine whether or not to continue medical care due to overwelming burden of trying to get better while trying to save my house. 

Modification effort went on from XXXX. Mr Copper personnel have been negligent in performing their dutiies to offer a modification. A " fake '' modification was offered with high pressure applied to refinance. I did not ask to purchase a new product, just modify the current loan so I can afford my medical expenses. 

Was told that Mr. Cooper person assigned to my loan was a fake person " designed to make our efforts appear to be legitimate and in compliance with rules regarding loan modifications ''. It was for that reason phone calls were not returned! 

Mr. Cooper is an extremely predatory lender, one who sees escalated needs as a reason to elevate loan product sales. They are not interested in helping people, only in profiting from their misery. A listen to the phone recordings will render astonishingly disturbing results. 

I just want to save my house and get better. With Mr. Coopers help I can not foresee either.
Product: Credit card or prepaid card

I own a XXXX credit card issued by Synchrony Bank. The account number for it is XXXX. Someone other than me made some purchase on the card which I reported to Synchrony n XXXX, Initially the reversed the charges and reissued me a new card. Then the charges reappeared. When I inquired with Synchrony again, they told me that my dispute was declined and when I asked why it was declined, they said because these purchases which required XXXX to send a download link were sent to me and that the softwares were downloaded using my email address. This can not be true for many reasons of which I have outlined a few below. 

XXXX. XXXX always sends and email after purchases and follows up with a link to download digital purchases. There are no records of me getting either from them. If I didnt get it, XXXX would have no record of them sending these confirmation emails to me. 

XXXX. XXXX always follows up with a phone call after you place an order with them to confirm them receiving the order. There is no record of them calling me around the time when these orders were made. I am happy to submit my bills for the phone nmber that I have registered with XXXX as proof. 

XXXX. My XXXX Sales Engineers name is XXXX XXXX. I have worked with him for a very long time. He can be reached at XXXX XXXX XXXX. He ALWAYS calls me when I make a purchase. XXXX and I have talked about these fraudulent purchases and he knows that he never called me to confirm these purchases. 

XXXX. I am a musician hobbyist and the most of these purchases that were made, I wouldnt know what to do with them since they are for other types of music composition. There is one purchase that was made for a software and that is a software that I would never need because I have had that for more than a year. I bought it directly from the manufacturer more than a year ago and have proof of it. There would be no reason for me to have 2 software of the same kind. That is like buying an identical version of XXXX XXXX when you already have one. 

XXXX. If Synchorny wants to validate that these softwares were never downloaded in my computers, I am willing to give their investigators an access to my LAN so they can check all the computers at my house for records of these downloads only to find nothing.

I have outstanding credit history and an impeccable history with all my creditors. I have credit cards that have 10 times more credit limits that my Synchrony card and had I fancied credit card fraud, I would commit them with these cards. Moreover, if I really wanted these softwares, I can afford to buy them without having to potentially commit a crime and rish denting my history which has nothing except for a few traffic tickets.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, 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  on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XXXXXXXX XXXX XXXXXXXX with a balance of {$6400.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Caine & weiner is still in violation of 15 usc 1681b ( a ) ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
Which means that any item of information on my consumer report can not be placed on my consumer report without my written consent. I am now demanding canin & weiner to provide me proof of my written consent ( permissible purpose ) giving them permission to furnish each of the following pieces of information on my consumer report ( see exhibit A in document section ) Caine & weiner claims not to be a debt collector but a collector for another corporation. Which means Caine & weiner is in fact a debt collector. Not only do Caine & weiner deny being a debt collector but you also admitted that weve never done business with each other so now this is an identity theft action due to Caine & weiner obtaining my non-public personal information without my consent.
Product: Debt collection

DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan, XXXX Dear LVNV Funding LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC XXXX stating your claim is disputed and validation is requested. 

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, D will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.