23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally dispute the collection account listed on my credit report from XXXX XXXX I believe this account is being inaccurately reported.

Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that a collector claims I owe. I am requesting that the credit bureau verify this collection account with the creditor or collection agency to ensure its accuracy and legitimacy. If this account can not be validated with proper documentation, including proof that the debt is mine and that all collection practices were compliant with federal law, it must be removed from my credit report immediately.

Additionally, I request that you provide me with a copy of any documentation that was used to verify the accuracy of this collection account. If the collection agency can not provide evidence that this debt is mine, this account must be deleted from my credit file under the Fair Credit Reporting Act ( FCRA ).

Please consider this letter as a formal dispute of the reported collection account. If you can not verify the validity of this debt within the statutory timeframe, please delete this account from my credit report and send me a written confirmation of the deletion.

Thank you for your prompt attention to this matter. I look forward to your response and an updated copy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/year>, I contact customer service to get information on why my account is still on hold and blocked. I was put on hold for XXXX minutes, at which I was transferred to the Provident Bank branch in XXXX XXXX XXXX XXXX. I began to speak to the branch manager trying to get reason why my account is still frozen. He stated that my account is under investigation from the fraud department because I logged into my online banking and app, and for XXXX XXXX transactions. The branch manager became very agitated and aggressive because I was asking questions about this issue. He said to me that hes not going to continue to talk to me about my issues about my account and that people like me dont deserve to bank with his financial institution. The branch manager is rude and racist, he discriminated against me and is very prejudicial towards me because of my race and ethnicity. The assistant manager was also rude and said to me that she doesnt care that I file a complaint with CFPB regarding their behavior and attitude towards me and to leave their branch when I went to pick up my money in my account in person since I couldnt use the debit card. The branch manager then said that they will close my account because I withdraw my money. I called customer service again after this terrible experience and I filed a complaint with customer support with Provident Bank about my interactions with the branch manager and the assistant manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is being inaccurately reported and have failed to provide validation of the debt with a signed copy of the contract. There are several inaccuracies that have been reported under my identity and I have sent in multiple complaints to the bureaus asking for validation of the debt, to verify and ensure the debt reported is mine. Due to the erroneous mistakes, I have requested an immediate investigation. 

Below is a list of all innacurrate information : Account number is not provided Original creditor is not provided Creditors name is being reported as XXXX XXXX XXXX XXXX under XXXX XXXX reports 63 missed negative months TransUnion is unknown payment history Creditors name is being reported as XXXX XXXX XXXX under TransUnion XXXX is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone number : ( XXXX ) XXXX XXXX. TransUnion is reporting the contact address and phone number as : Address : XXXX XXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

I was referred to Freedom Mortgage Corporation by my current Mortgage company, XXXX XXXX XXXX for a streamlined FHA mortgage refinance and I submittted the application on XX/XX/2019 and I was advised that the loan would close within 30 days and that I would not have to pay my Mortgage for the Month of XX/XX/2019. 
After 30 days, Freedom Mortgage loan Agent will not take my calls or provide an update, I finally got referred to a supervisor who claimed that he will escalate the process and they re-issued another loan documents now stating that closed will now be for another 30 days. They have misled me not to pay my existing mortgage because the loan was closing and they have kept pushing and stringing me along with the approval process for the last 4 months and have now refused to process my application and I believe that the decision is discriminatory and meant to cause me to loose my home through a loan default.
Product: Credit reporting, credit repair services, or other personal consumer reports

several attempts to have information removed and to no avail
Product: Bank account or service

Bank of America is the worst when it comes to fraud protection. I 'm always getting my card shut off for very small amounts ... much less than my balance and even when I 'm at dinner at a restaurant for a very small amount. I 've never had a returned check on my account and have been a customer for over 20 years. And then when I call about it it, I 'm on hold for more than 45 minutes just so I can use my card. This is ridiculous!! If they are going to put my card on hold, then get to me right away!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed information on my cosumer report that is inaccurate and incomplete. During my investigationI realized that my consumer report still has the same inacurate information that I have disputed several months ago and is still being reported on a monthly basis. I was never notifiled by the consumer reporting agencies that are assembling and evaluating my consumer credit and other information about I. According to the Fair Credit Reporting Act consumer reporting agencies are obligated to exercise their grave responsibilities with fairness impartiality, and a respect for the cosumer 's right to privacy. My right to privacy have been infringed upon by the consumer reporting agencies when they assumed a vital role in assembling and evaluating consumer credit. They were not given express permission by I the consumer or a competent court of jurisdiction to issue an order stating that the consumer reporting agencies are obligated to report such information. According to 15 U.S.Code 1681c ( a ) ( 4 ) ( 5 ) No consumer reporting agency may make any consumer report containing accounts placed for collections or charge to profit and loss or any adverse item of information. The FCRA states that a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is aquaineted or who has knowledge of such item of information. They were to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. The consumer reporting agencies failed to provide I with proper service and failed the initial invesigation of the information as they assumed this the was valid in which is a vilolation on my consumer rights. They did not exercise their grave responsibilities, they failed to provide proper service, they failed to conduct a proper investigation to insure accuracy and fainess to I the consumer. Because of this information it has caused severe harm to my reputation and creditwothiness. I trust that the Consumer reporting agencies adhere to its obligations as outlined in the FCRA and properly address this matter with fairness and accuracy. I'm requesting accurate disclosures of the nature and scope of the consumer invesigation report. provide a detailed description of the invesigation, the actions that were taken by your organization. Also provide documentation of my written consent to furnish information on my consumer repor. Accounts are as followed : 1. XXXX BANK, 2. XXXX XXXX XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX, 4.XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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 Accounts : sloan/nelnet service Account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  {$0.00}, Sloan/nelnet service Account # XXXX XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$71.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$120.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$190.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$260.00}, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$280.00}, the XXXX XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$340.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$650.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4200.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$21000.00}, ecmc/colorado student Account # XXXX date opened XX/XX/XXXX Bal. {$41000.00}, colorado XXXX XXXX # XXXX date opened XX/XX/XXXX Bal. {$41000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 # ( XXXX ) 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 or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a 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: Vehicle loan or lease

On XX/XX/XXXX, a payment was made to Ally Financial and they accepted it then claimed to return it due to insufficient funds. They claim to have refunded it but they have not, then we had to pay a late fee on top of scrambling to get money together for another payment. 

The payment history on my end does not show any refund attempt, other refunds were made on other transactions and showed the return/cancelation but not this one. 

Its been almost 2 months and we are still going back and forth with them while they give us the runaround and try to sidetrack the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. Experian is reporting XXXX XXXX is reporting XXXX. 

Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX XXXX Debited me {$690.00} From Company XXXX/Google. I realize the claim for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX $ XXXXx11 Months despite to my claim, en several time it was ignored ... XXXX XXXX XXXX Do not understood ... And confused me with letter different to my real complaint. 

$ XXXXx XXXX= XXXX by a service that I never Authorized or was authorized. 

As XXXX  XXXX XXXX do not paid attention to my complaint or claim. I decided no continue with my claim, but I see it as a BULLYING TO THE CLIENT. 
BY PART OF GOOGLE/XXXX OR XXXX  XXXX XXXX ... I BELIEVED ... 

TODAY OBSERVING MY ACCOUNT XX/XX/XXXX THE BULLYING CONTINUE. 
OTHER FRAUD CHARGE OF {$690.00} PAID TO GOOGLE ... .QUESTIONS ... WHAT BOUGHT MR.XXXX? WHAT ADDRESS WAS USED TO DELIVERY THE FRAUDULENT MERCHANDISE OF {$690.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I entered a consumer credit transaction with PROSPER MARKETPLACE IN and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that PROSPER MARKETPLACE IN claim I owe. PROSPER MARKETPLACE IN has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.