23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my second complaint with CFPB regarding a company called ECMC ( Education Credit Management Council ). My first complaint was sent on XX/XX/XXXX, reference complaint ID # XXXX. This company fraudently opened up two student loans in my name claiming I went to a college called XXXX XXXX which I never attended. The promissory note their using belongs to a college called XXXX XXXX, ECMC is presenting 2 pages of that promissory note trying to say it is from XXXX XXXX and on purpose not providing the full promissory note that shows the college name ( which I have a copy of that I can send to you ). I have contacted XXXX XXXX and proved that promissory note their using is from XXXX NOT XXXX XXXX. They are now reporting these fraudenlent loans to both credit bureaus. This company has many lawsuits against them and under investigation in Minnesota. THIS IS A VERY FRAUDELENT COLLECTION AGENCY. THEY ARE STEALING PEOPLES PERSONAL INFORMATION AND OPENING UP STUDENT LOANS OR TAKING OLD PAID OFF STUDENT LOANS AND TRYING TO COLLECT ON THEM. CFPB NEEDS TO HELP ME AND NOT IGNORE THIS PROBLEM. I CAN NOT OBTAIN A JOB BECAUSE THEY WILL TRY TO DO A WAGE GARNISHMENT AGAINST ME. I have attached one document that ECMC generated with a signature and name " XXXX XXXX '' they dated it XX/XX/XXXX and you can clearly see my signature is not on there at all.
Product: Debt collection

I believe this account is fraud. Please see attached XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint complaint to you today to inform you that I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov and file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian ( three different times XX/XX/XXXX ( dispute # XXXX, XX/XX/XXXX ( dispute # XXXX and XX/XX/XXXX ( dispute # XXXX ) ) about three accounts but for now this is about two of the three accounts ( XXXX XXXX XXXX XXXX XXXX that I was disputing and requesting " proof of validation and method of verification '' of both debts. After every dispute, I was informed that the account as " Verified to be accurate. '' On XX/XX/XXXX, I contacted Experian and spoke with XXXX and requested to have both accounts removed because despite three written requests, the unverified items still remain on my credit report and my credit scores kept dropping because of this. Ms. XXXX disconnected the call. I called Experian back again ( on XX/XX/XXXX ) and I spoke with XXXX XXXX she spelled her name for me ), I told her the exact same thing, and she told me that " Experian do not remove accounts and that it was my responsibility to get these two accounts verified. '' I ask XXXX " So, you are telling me that Experian will not remove any accounts that are not verifiable? '' She said that the accounts were verified, I then ask her, " Who verified these accounts? '' She said XXXX XXXX XXXX XXXX did, I ask if I could get the proof and she said, that Experian do not have the proof to share with me. I asked XXXX if I could speak with a supervisor and at first she told me that I could after she read me what she said was the LAW. During her reading she said that CDIA new LAWS states that " The 3 Major Credit Bureaus no longer will removed any unverified accounts from the consumer 's ' credit report! '' After listening, I once again asked to speak with a supervisor and she said that there was no one available to speak with. 
I have repeatedly ask for evidence to support their reporting, but yet again, Experian failed to provide me with " ANY VIABLE EVIDENCE SUBMITTED BY XXXX XXXX XXXX XXXX SUBSTANTIATING THEIR CLAIMS. '' I have also requested Experian 's method of verification, and Experian have not complied, which is an additional violation of the FAIR CREDIT REPORTING ACT 611 ( a ) ( 7 ). Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I do not understand why that I can not get these two UNVERIFIED ACCOUNTS ( that is lowering my credit score monthly ) removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy to see the below items they are in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my credit report. Please remove these accounts from m y credit report, they are huting my ability to obtain credit. Thank you.
Product: Consumer Loan

I had written a complaint before ( Case number : XXXX ) that was submitted to XXXX XXXX XXXX. I spoke to a CFPB representative who said that my case was referred to the Federal Trade Commission. I am now writing this new complaint because it is now clear to me that JP Morgan Chase is/was the servicer of this auto lease, and they are the party with whom I had been negotiating. In XXXX XXXX, I moved from XXXX to XXXX and brought with me a XXXX vehicle which I had leased. Unbeknownst to me, in XXXX XXXX, unless a lessee files an affidavit claiming they are not using the leased vehicle for income-producing purposes, vehicle owners are subject to Property Taxes. As it was approaching the end of the least term, I surrendered this vehicle in XXXX XXXX as part of a trade-in for a new leased vehicle. Then, on XXXX XXXX, XXXX ( 15 months later! ), I received a letter on XXXX XXXX XXXX XXXX letterhead ( but JP Morgan Chase is the actual lessor ) that I owed them {$620.00} in property taxes to reimburse them for the taxes they paid to XXXX XXXX. I immediately called XXXX XXXX who said there was nothing they could do. I called the phone number found on the Property Tax Notice from Chase and have negotiated with XXXX different Chase personnel to get them to waive the property tax that they are seeking. Chase claims that they sent me a letter which contained the aforementioned affidavit back in XXXX XXXX when I initially moved here and notified them of my change in address. Honestly, I do n't recall ever receiving this correspondence. Further, given the consequence of having to pay a hefty property tax bill if the affidavit was n't returned, I would have expected Chase to reach out to me a XXXX time to remind me that this form needed to be signed, notarized and returned, but that never happened. We had from XXXX XXXX until XXXX XXXX to file this affidavit, a full 10 months, to avert having to pay this tax. I was completely unaware of this obligation in XXXX. I have never missed or been late on any consumer debt payments in over 30 years. And despite talking to supervisors all the way up the chain at Chase, I do n't know where we are on this property tax issue. My last XXXX phone calls to a direct manager in Chase 's Executive office have gone unreturned. I am also a Chase credit card holder. At the very least, as a customer of the bank, and with 10 months to get the affidavit filed, I would have expected Chase to send a reminder about this particular requirement in XXXX. It was very difficult moving from XXXX part of the country to another, getting children settled in their new surroundings and new schools. I honestly never saw this correspondence that Chase allegedly sent me, and they have expressed no interest in working with me. The supervisor, in whose hands my case rests, and who is located in XXXX, does not return phone calls either. I am extremely frustrated and disappointed at their lack of empathy and willingness to bring this to a fair conclusion.
Product: Debt collection

On XXXX XXXX I opened a complaint XXXX with regard to Pro Collections and the original creditor XXXX XXXX Apartments ( see complaint for detail ). That same day I received the companies response " We will request the proof of the debt and mail to the consumer. The consumer can contact our office at toll free XXXX my extension is XXXX XXXX XXXX for additional assistance in this matter Thank you for your time and patience in this matter '' I called XXXX XXXX on XXXX XXXX for additional assistance as per her response to CFPB. When I explained the situation she lashed out and told me she is a bill collector, and not a customer service rep. She then proceeded to berate me, and told me that I needed to have my proof to her by XXXX XXXX. I told her I did not understand what she needed, and what and where should I send it to. I was very confused because per her response to CFPB,, I thought she was going to get information from the creditor. She continued to speak in a threatening tone throughout our conversation. At that time I asked to speak to her supervisor. She told me his name was XXXX XXXX and she had no intention of transferring me to him. I asked her why she would respond to the CFPB with one response, and give me a completely different one. She then hung up. I know this call was recorded, and I can not believe that even a " bill collector '' would talk to someone the way she spoke to me. I see that there are numerous complaints on the CFPB board about Pro Collections. I feel that they are threatening, dishonest and abusive. I am filing this complaint about XXXX XXXX and Pro Collections.
Product: Checking or savings account

Dear XXXX XXXX XXXX XXXX My name is XXXX XXXX, and I am writing to you with deep concern and confusion regarding the recent closure of my checking account ( Account Number : XXXX - Wires : XXXX ) at Bank of America. 

I have encountered a significant challenge as my attempts to seek clarification and assistance on this matter have been met with limited success. Despite reaching out to various departments within the bank, I have yet to receive any explanation as to why my personal checking account has been apparently closed without any apparent reason. 

I want to emphasize that I am not aware of engaging in any activities that would warrant such action, and I am left perplexed by this sudden development. The closure of my personal checking account has created considerable inconvenience for me, and I am eager to understand the circumstances surrounding this decision. 

Additionally, it's worth noting that my business account, associated with the company XXXX XXXX and domiciled at XXXX XXXX XXXX, XXXX, Texas XXXX, is also with Bank of America XXXX This situation has not only left me personally frustrated but has raised concerns about the status of my business account as well. 

I have been informed that I need to visit a Bank of America branch to allegedly prove my identity, for why? And i am in XXXX for a few weeks for my job, it is impractical for me to make such a trip. Given these circumstances, I find myself feeling helpless in addressing and resolving this issue. 

I am writing to you with the hope that you can provide insights into the reasons behind the closure of my personal checking account and any steps necessary to rectify this situation. Your understanding and assistance in this matter would be greatly appreciated. 

If there are specific details required from my end or alternative ways to verify my identity, please inform me accordingly. I am committed to resolving this matter and preventing any future occurrences. 

Thank you very much for your attention to this urgent matter. I look forward to your prompt response. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I have multiple inquiries on my credit report that I am not aware of and would like for them to be removed
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning I would actually like to petition the CFPB to make changes to the current law about demand letters. If a collection agency buys your debt and they legally own that debt and the debt is no longer owned by the original creditor, the debt collection agency should be required to send you an itemized bill of ALL debts in your name owned by them not just per the one creditor. I.e I received a letter from State Collections Agency saying I owe {$31.00} due to an unpaid XXXX XXXX bill. I call to make payment and the debt collector says no no no, you owe 8-9 different accounts and the balance of the accounts total are {$810.00}. Well if the creditor now owns all of these debts, you need to send a bill as you would receive from your wireless company or electric company saying this is what you were billed for this is your total balance- they dont just mail you a partial balance owed and then you call in and it be ok to say no you owe {$400.00} instead of {$100.00} like you thought. That is illegal and predatory practices and this actually needs to go to court. You dont get a half bill for any other debt you owe to a company. If you owe a certain debt collection agency {$900.00} you should receive an itemized bill for {$900.00} not one individual bill at a time to be FAIR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Breau did not complete investigation or mail results of where they obtained alleged bankruptcy information at. XXXX XXXX reports that no such information was released to the credit bureaus as well as the courts. I am challenging the validity of this information as inaccurate reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I contacted LexisNexis due to a tax lien from the XXXX XXXX XXXX for {$500.00} is reporting from LexisNexis. Upon speaking with a representative I informed I spoke with XXXX XXXX with XXXX XXXX XXXX whom stated no taxes were withheld year XXXX  ; in order to resolve immediately I would need to pay the balance and once requested documents were reviewed that would show no taxes were withheld I would be reimbursed. Due to it was going to be 90 days I paid the balance. 
LexisNexis never contacted me informing that they were reporting nor did LexisNexis have a valid address for me. 
I requested to speak with a manager due to the representative being rude & disrespectful. A manager by the name of XXXX return my call on XXXX XXXX ; he was also being rude until I mention about the lawsuit against LexisNexis and would be complaint with FTC. 
XXXX stated a dispute was entered XXXX XXXX and would take up to 30 days to remove due to he would need to verify. I informed XXXX XXXX XXXX XXXX XXXX XXXX did not and does not report to LexisNexis and that I am requesting for this matter to be resolved immediately due to LexisNexis robotically searched public records to gain assess for this debt that I don't owe that was done in error.
Product: Credit card or prepaid card

In XXXX of XXXX I discoursed by credit card number had been stolen and was being used for cash advances from a service called " XXXX ''. I alerted Chase Bank and they reissued cards. ( Change from account number of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXXXXXX ). They advised the matter was resolved even though they have charged interest on CASH ADVANCE that I never received and was in fact fraud. Calls, emails, etc. have been ignored. Not sure what do at this juncture other than file suit but the amount is to low for attorney to be interested.
Product: Credit reporting or other personal consumer reports

Credence Resource Management is reporting a collection account on my credit report, allegedly on behalf of XXXX XXXX XXXX. However, I contacted the original creditor, and they could not validate this debt. Additionally, I never received any correspondence informing me that a debt existed or that it was sold to a third-party collection agency, making this information untrustworthy and a violation of permissible purposes. 

I have never signed any agreement with Credence Resource Management, and your company has failed to provide documentation, including a signed agreement, forward flow agreement, my identification to verify the debt, or a license to collect it. 

Moreover, you are reporting inconsistent dates for the date of last activity, which is a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account due to lack of verification by the original creditor. I have attached an invoice for your violation, and payment, along with the deletion of the account, is expected within 30 days. Failure to comply will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.