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

On XXXX XX/XX/year> someone fraudulently opened a loan under my original last name- XXXX- but I've legally been going by XXXX for 10+ years. I did not notice this on my credit report until XX/XX/year>. 

I contacted the company in which the loan was opened ( XXXX ), and I began an investigation. The first claim was lost, so after 60+ days of waiting, I had to start the process over and submit another claim with the company. The company completed their investigation on XXXX XX/XX/year> and confirmed that the loan was fraudulent but the items are still showing on my credit reports. 

Also, because the investigation took 7 months, the company then sent the account over to collections, which is with XXXX XXXX XXXX XXXX for {$1300.00}. 

I spoke with XXXX and they informed me to reach out to CFPB to file a dispute. I was unable to upload any of the documentation on their website, so I would like this account ( XXXX ) removed from my credit as well as the collection company ( XXXX XXXX XXXX XXXX XXXX XXXX Please note that the loan is under the name XXXX XXXX but there was an acquisition recently, so the email showing that the account ending in XXXX for fraud shows the signature line as XXXX. 

Please remove anything associated with XXXX ( account ending in XXXX ) and the derogatory impact from the company sending my information to Collections ( XXXX XXXX XXXX XXXX XXXX off my account. Please let me know if you need anything else from me.
Product: Debt collection

I am writing to formally dispute a debt collection notice that appears on my credit report. The collection notice in question is related to PORTFOLIO RECOV ASSOC XXXX, Account Type : Debt Buyer, Date Opened : XX/XX/XXXX, Status : Collection account. {$67.00} past due of XX/XX/XXXX, Paid off : 97 %.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically

15 USC 1692c, I am entitled to certain rights and protections regarding debt collection practices. I believe that the handling of this debt collection notice does not comply with the requirements outlined in the FDCPA. Here are the specific reasons for my dispute : 1. Lack of Verification : I have not received adequate verification or validation of the debt as required by the FDCPA. 2. Inaccurate Reporting : The information reported regarding this debt is inaccurate and does not reflect the true status of the account. 3. Violation of Communication Restrictions : The debt collector has violated the communication restrictions outlined in 15 USC 1692c by [ describe any specific violations, such as excessive calls or improper communication methods ]. I request that you investigate this matter thoroughly and provide me with the following information : Verification of the debt as required by law. Details of any communications made by the debt collector regarding this debt. Any documentation that supports the accuracy of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up time to complain about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove these items : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting 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 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 I DID NOT AUTHORIZE THESE
Product: Checking or savings account

I woke up on XXXX on my residence in XXXX XXXX i went to XXXX used my debit card for XXXX then i went out to XXXXXXXX XXXX in XXXX XXXX I got a notification around XXXX telling me my phone is not activated contact your provider i didnt think it was something to worry about it was raining and lots of overcast so I thought the satellites and being around all the machines and in a concrete building it was just malfunctioning but my phone constantly was giving this notification so i then tried to use my phone it was not working i shut it off and turned it on still said your phone is not activated see your provider so I went out side same thing so i decided to go to XXXX by XXXX and ask whats going on with my phone see looking to to my account and asked me if I changed my XXXX card today if i did i will have to pay a fee i said no well your XXXX card was changed today after she reactivated my phone i was walking-to my car and i had notification from my bank there is suspicious activity on my account so i then opened my bank app and seen all my money was drained from my account XXXX from XXXX XXXX and several atm withdrawals for XXXX each that was in XXXX XXXX my heart was pounding i then called wells fargo and asked whats going on and i immediately asked for a dispute on those charges and was told it will take up to 10 days the 10 days come and go i then called and asked whats going on was told its still under investigation i then went back to both places i was that day XXXX and XXXX XXXX and told them what happen both said there is nothing they can do because i cant prove it happed there i then got an interview from wells fargo and they asked some general questions like did i give my card or PIN numbers to anyone i said no they never asked for what happen then said we will be in touch a few days later i called again and i was informed wells fargo doesnt see any any fraudulent activity so they are closing the case have a good day i was like really i then started asking why was told who ever made those transactions was authorized we went back and fourth on the matter and was told this case is closed if you want your money back take Wells Fargo to court this case is closed have a good night. I called back and wanted to re-dispute they submitted it again i called a few more times trying to make them understand how can this be i was told this case is closed were sending out a letter in detail i got an email with soma details what caught my eye was they made there decide because it said your card was used and my pin number was used so i called aging and asked in your decision it states that those transactions were made with my card and my pin number was used either by your or someone you had your permission to use. I said my card was in my wallet me and my card never left the state of Washington and i never gave my pin to anyone or gave my permission to. he tried defending it by saying Im not the person you have to talk to she is gone for the weekend she be back Monday we can dispute again but XXXX Im telling you there is not going to be any different outcome you have a good weekend good by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Amsher Collections on more than one occasion requestiong validation of debt and everytime I call im told that ill have to wait 60-90 days but the request was made. FCRA states they have 30 days when I notified associate of that she hung up in my face. I Called back asking to speak with A manager im told one is not available but they can have one call me back and I never hear from them. I reached out around XX/XX/2021 and still have nothing. I would like this inaccurate information removed from my credit report
Product: Debt collection

They have repeatedly harassed and called multiple times per day to obtain payment. 
They would call me and the other borrower on the loan multiple times a day. 
Then marked the loan payment late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Debt collection

Several factors like recent past experience. Data Breach, Identity, Theft, Mortgage consumers, disadvantage or loss step 1. what happened, What is this complaint about Harasses, excessive force, XXXX XXXX, false arrests, the fabrication of evidence and the failure to keep from harm terrorized in every name business and personal and proper name. i have ever used, and under many names and accounts invasion under the court- system filed false statements causes the citizens to be terrorized victim of Portfolio Recovery Associates , LLC , the actions of a debt collector pursuing a consumer assumed debt. I have been Portfolio Recovery Associates INC not No license properly EIN/ IRS Tax ID Number/EIN Florida Business are harassment by third party debt collectors. Collector has violated the FDCPA, the collector in filed court case in court. violated the Fair Debt Collection Practices Act passed the statute of limitations in Florida. third-party collectors alleging unfair, Invasion, of privacy deceptive, and abusive debt collection acts and deceptive debt collection practices. Recovery submits that has passed the statute of limitations in Florida to the court or incomplete documents commit fraud copied information and pasted partial accounts to XXXX and senior citizens. Step 2 :  Often, harassing phone calls, then letters and now In the lawsuit Stolen personal information to commit XXXX. The documents letters that Portfolio Recovery mails or submits to the court or produces in discovery are scam claiming I owe Credit debt of incomplete documents copied information. unknown accounts. or don't prove the debt belongs to the person being sued collection agencies suing credit card owners who have defaulted on their debt No way of known How they invade every area of a person creditability. Without producing an in discovery uses Clerks to file are incomplete case and uses services and or don't prove the debt belongs to the person before being sued.in court practices. What type of problem are you having unauthorized personal information under created fabricated accounts don't prove the debt belongs to the me or person being sued. Step 3 : What happened Attorneys file violations of the Fair Debt Collection Practices Act ( FDCPA ), new accounts including improper contact sharing of information. Partial account of stolen information on its own authority. The federal legislation thats supposed to regulate the debt collection industry. They can took over or even open new accounts, Step 4 : What company is this complaint about someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception or inaccurate debt postings with credit reporting agencies, Step 5 : Who are the people involved not sure of the Object Constancy,
Product: Mortgage

I finally read the responses from nationstar, because I never had logged in before and had n't received any of the responses, by mail or email and had no idea any of this had happened. I have submitted a dispute, but have also found fraud in the note of loan rates and adjustments and pre-payment penalty. I have attached a copy with the highlighted forged signature.
Product: Money transfer, virtual currency, or money service

Paypal ingores and refuses to remove a payment method, even after requests, from an account that does not and should not be associated with the payment method.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.
Product: Checking or savings account

This is in reference to cases that you guys have closed..However Nothing was done and I am still being told that the transactions was authorized by me.And I can't prove that it wasn't However..Now information is being released about skimmer devices that started during the same time my accounts were closed when there were too much funds In the account that couldn't be withdrawn at am Atm machine..
Product: Bank account or service

Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.
Product: Mortgage

This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.
Product: Credit reporting or other personal consumer reports

THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my IdentityTheft report.

INQUIRES ( 17 ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

TRANSUNION ; 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  TO XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX PLEASE REMOVE DELETE FROM CREDIT REPORT. 
This information is true to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act Ally Financial account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXXXXXX
Product: Debt collection

My initial contact with XXXX XXXX them was in XXXX when they called my brother, sister and mother and told them I have a debt and someone will be coming to their homes to find me. Then received over ten calls from someone who would not identify themselves but stated that a representative will be at my door to serve me with papers and I will need tow forms of ID to identify myself. I finally got through to a different representative who told me I owed a debt to Balance Credit and it was about to be submitted to court. I told them was unaware of this debt and to send me proof of the debt. I was told there wasn't enough time and it was being sent to court today. I was told if I did not submit a payment today i would owe triple the amount on court. I explained that I was unaware of the debt and did not feel comfortable paying it without proof or any explanation. I was then hung up on. I called again and was told if i paid XXXX today, I could set up payment arrangements and it would not go to court. I felt as if I had no choice but to pay because I would not be able to afford a lawyer and I had no way to prove the debt was not mine. I set up payments for XXXX a month. I had been okay paying them until XXXX when I could not make the payment and called to try to make alternate payment arrangements. 
XXXX I spoke to two representatives, who both threatened to have me arrested, threatened to take me to court for debt that I have previously stated is not mine. I was told that regardless if the debt was mine I am responsible for it and I will be arrested or taken to court. The first representative stated, " Be sure I have two forms of ID when they get to your door '' and then hung up on me. The second representative stated, " the debt would double or triple in court, have a nice day. '' and then hung up on me.