23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Fraudulent Accounts Under Investigation for Identity Theft Account Number XXXX To Whom It XXXX Concern, I am writing to LVNV Funding LLC ( Account Number XXXX ) are currently under investigation for identity theft and inaccurate reporting. This account have been fraudulently opened in my name and have been reported inaccurately on my credit file to XXXX, XXXX, and XXXX. As these accounts are not mine, I have initiated an identity theft report in compliance with federal regulations, and I dispute any and all claims associated with these debts. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to have accurate and verifiable information reported on my credit profile. No verifiable documentation linking me to these debts has been provided, nor has any original account information with signatures or agreements been made available. Further, I invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and Maryland state law ( 14-202 of the Maryland Commercial Law Code ), both of which prohibit the attempt to collect a debt without proper validation or through deceptive practices. It is unlawful to pursue collection or report this debt when it is the result of identity theft and can not be validated with direct, original information. Therefore, I request the following actions immediately : Place both accounts under investigation as part of the identity theft report and cease all collection efforts until this matter is resolved. Remove the inaccurate reports of these accounts from my credit files with XXXX, XXXX, and XXXX. Provide written confirmation of the investigation and eventual removal of the fraudulent information from all credit bureaus. Failure to correct these inaccuracies will leave me no choice but to pursue legal action under the FCRA, FDCPA, and applicable Maryland state laws to enforce my rights and seek remedies, including damages for improper reporting and legal fees. I expect your prompt response within 30 days of receiving this letter, as required by law. I also request that the credit bureaus be informed of this dispute and investigation immediately. Sincerely
Product: Credit reporting or other personal consumer reports

MY CURRENT AND CORRECT HOME ADDRESS IS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX- ALL OTHER ADDRESSES ON MY EQUIFAX CREDIT REPORT ARE INCORRECT AND SHOULD BE REMOVE IMMEDIATELY. I AM ENTITLED UNDER FEDERAL LAW TO HAVE 100 % ACCURATE INFORMATION ON MY CREDIT FILE.
Product: Mortgage

I was sick and I missed 2 payments on my loan and with my financial hardship during Covid. I applied for the mortgage assistance program with the Georgia Department of communities Affairs as advised by Select Portfolio. They have start processing my application and I am still waiting because the process may take another 6 to 7 weeks to complete. I called SPS in order for them to enroll me in a forbearance until this process is complete with all my efforts they are refusing and treating to send my home for foreclosure initiation on the XXXX of XXXX XXXX.They are offering a payment plan, but I can not afford it right now because I start working just about 2 weeks now.
Product: Debt collection

I have attempted to contact the debt collection agencies to inform them that i am a identity theft victim. The following companies keep reporting erroneous information that caused a financial hardship and stress. These companies are : Phoenix Recovery Group-contacted them since XXXX, {$6100.00}, XXXX XXXX XXXX XXXX XXXX, {$5500.00}, XXXX XXXX XXXX  contacted them XXXX XXXX, {$3600.00}. I do not know about any of these collections and i hope that you can help me. I continue to receive annoying calls from the above agencies.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I was a victim of identity theft and bank fraud. As a result of the theft, the fraudster was able to create accounts using my information. After I pulled my credit reports I noticed one of the fraudulent accounts listed Upgrade , Inc. as the creditor. This was listed as an installment account in the amount of {$26000.00}. I contacted my local law enforcement and filed a report with the FTC regarding the identity theft. 

After submitting a dispute with the credit bureaus the account was initially removed my credit report. As of XXXX ( almost 4 months after the initial dispute ) it was added back to my report with the following remarks " Completed investigation of FCRA dispute-consumer disagreed ; UNPAID BALANCE CHARGED OFF ''. This false reporting resulted in a huge negative drop in my XXXX XXXX and will negatively effect my future financial endeavors. 

I contacted the company through their support channel and over the phone to remove the fraudulent account from my report. They were not able to provide reasons as to why the claim was 'unsubstantiated ' but said that they would send an email instead. I have not received any additional information from the company.
Product: Debt collection

Mercantile Adjustment Bureau Collections agency has been sending me repeated bills of collections for a XXXX XXXX XXXX company for the total of {$310.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX, which XXXX XXXX XXXX was trying to collect {$1000.00}. This seemed to be resolved from the XXXX XXXX XXXX XXXX XXXX but XXXX keeps sending the bill of collections. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX XXXX  XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX and XXXX XXXX were terrible to work with and basically said they dont believe me. I sent them years worth of XXXXXXXX XXXX XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
Product: Credit reporting or other personal consumer reports

I am requesting assistance in obtaining my free credit report from Equifax under the Fair Credit Reporting Act ( FCRA ). Under this statute, I have the right to receive my free credit report every 12 months from each of the credit reporting agencies ( CRAs ). However, Equifax has still not provided me with my credit report. 

I downloaded the paper form to manually request my credit report by United States Postal Service mail from www.annualcreditreport.com. 
I completed all required fields accurately and completely. 
I mailed off my first request with the appropriate first-class postage on Thursday, XXXX XX/XX/2024. 
I did not receive my credit report after waiting 15 days. 
I mailed off a second request on Saturday, XXXX XX/XX/2024. 
I still have not received my credit report from Equifax. 

I would appreciate your help in resolving this issue with Equifax. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I've been using PayPal to accept payments from my internet business, which I use to supplement my income and save for college expenses. 

On XX/XX/2023, I received a case filed on my PayPal account ( merchant id XXXX ) with the rationale " The buyer stated that they did not make this purchase, '' which I gladly repaid. I then received notification that PayPal is asking an explanation for the aforementioned situation. 

I willingly provided the transaction information, stating that it was supposed to be my client 's payment in exchange for making a business presentation, which was not the case. I then proceeded to refund the money paid to me. Everything was fine until a few minutes after the case was closed and my account was permanently restricted. 

I immediately contacted their help center and stated what happened, but I have received no response so far. 

I believe this was unjust because I did not violate PayPal 's terms of services and have no control over how other people utilize their accounts. Furthermore, the money in my account is for college fees that will begin in the next few days, and I simply want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some unauthorized or fraudulent inquires that have been place on my EQUIFAX credit report without my consent or signature Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX Date : XX/XX/XXXX I have done contact EQUIFAX in multiple times for several months regarding those 3 inquires and they never do nothing about it. I have sent multiple police reports, FTC reports and disputes but EQUIFAX refuses to remove those inquires from my credit report. I even tried to call in in talk to a couple representatives or Supervisors from EQUIFAX and each time i am asking to do a human investigation concerning those alleged inquires they would hung up the phone on me. Which is a violation of my CONSTITUTION FEDERAL RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXccount Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Mortgage

I'm an XXXX XXXX Veteran using my VA home loan. On XX/XX/XXXX, I called Citizens One to inquire about options for my mortgage of {$2800.00}. I am writing with concerned frustration and irritation about Citizens One home mortgage department. I have a mortgage through them and I was hoping they could offer some assistance during these unprecedented times. Due to the recent Corona Virus pandemic and the uncertainty of work as well as the government mandates to stay home, their lack of realistic help is amiss. They informed me the best they could do is forbearance and were not offering Deference. While I understand that during normal times offering forbearance to some while they get back on their feet is suitable, this just seems preposterous for these circumstances. If they take one cent of government bailout money while people are being mandated to stay and home and NOT go to work without offering deference then they should be listed as a predatory lender and prosecuted for scamming the government. The bailout money IS NOT meant as a profiteering investment capital infusion but a financial measure to ease burdens of the public which Citizens One as of this date refuses to do. 

Most people wont be able to make up for the months of build up of mortgage payments or they will have to renegotiate their term loans to a far less desirable contract for the home owners which in my opinion is their aim and goal. This practice just seems absolutely dubious and not the intent of them needing to be bailed out. I fear that this kind of response by someone of their stature in business is going to lead foreclosures, homelessness and an overall loss of what would be society contributing homeowners. 

I hope that Citizens One will not receive any type of aide or government bailout assistance if they choose to treat their customers the way they have shown. If they do, it would be a national disgrace and travesty to have, yet again, another big business take money then turn around and stiff the same people that bailed them out that being American tax payers. 
This is a time the nation should be working together for the greater good not a time to be milking people for every penny they have. 

I look forward to hearing about any outcome so as to send a thank your letter or to escalate actions to make this a far more public awareness campaign of companies to avoid or to refinance out of. 

A Concerned XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit card

I've made sure to always pay this account on time, never letting payments be overdue. I'm unsure why there are late payment remarks reported on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also XXXX XXXX XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the Air-force send all the necessary papers for the forbearance and it was approved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LexisNexis for failing to respond to a dispute I submitted regarding inaccurate information on my credit report. Specifically, there are unknown and unrelated addresses appearing on my credit report, which I did not authorize or associate with my profile. 

On [ XXXX/XXXX/204 ], I sent a formal dispute to LexisNexis via certified mail ( Certified Mail Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to address these inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to investigate and respond to disputes within 30 days of receipt. However, it has now been over 30 days, and I have not received any response or resolution to my dispute. 

The continued presence of these incorrect addresses on my credit report is a violation of my rights under the FCRA. This inaccurate information has the potential to harm my creditworthiness, and LexisNexiss failure to respond is unacceptable. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that LexisNexis complies with its obligations under federal law to properly investigate and correct inaccuracies in my credit report. 

Thank you for your time and attention to this issue. I look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Student loan

I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. Later I was talked into deferments ( after harassing phone calls threatening my mom they were going to take everything she had ) then I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now XXXX XXXX XXXX XXXXXXXX Minnesota is closed. I am looking into further action with a lawyer at this point if action on this isnt satisfactory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why does XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX label all my requests for a copy of the permissible permission issued to Experian and used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission used to have accessed my credit report in XX/XX/2017. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.
Product: Debt collection

I have requested multiple times that they stop calling me, but they persist on a daily basis - always calling from different numbers around the country so its impossible to block them. I warned them if they continued to contact me against my wishes I would file a complaint with the FTC and they still call.
Product: Checking or savings account

Commencing in XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by an individual allegedly called XXXX XXXX ( the XXXX ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 

I sent wire transfers to agents of his alleged company with the verbal and written promise of reimbursement. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$10000.00} was sent. 

On XX/XX/XXXX {$6000.00} was sent. 

On XX/XX/XXXX {$7500.00} was sent. 

On XX/XX/XXXX {$8000.00} was sent. 

I have been a customer of Bank of America for 19 years and have used the same checking and savings accounts for that entire period of time. Bank of America failed to take the proper steps to ensure that I was not being victimized by a scam. They failed to recognize sudden changes to the operation of the account, and failed to stop these unusual transactions. Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX  or XXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without proof. 

Company Name : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX I disputed this account more than once ; the first dispute was on XX/XX/XXXX. I sent in an FTC report and affidavit along with my driver 's license and social security card. I sent in a dispute notifying the credit bureaus that this account isn't my account and that I was a victim of the XXXX data breach. Experian told me I should talk to the creditor even though I provided Experian with what they asked me to provide in order to dispute the item. Neither bureau ( ExperianXXXX XXXX or XXXXXXXX XXXX has contacted me with proof of investigation results by phone or letter. The second dispute was on in XXXX of XXXX and Experian told me they will not put the item in dispute because the company said the debt is mine without proof.