23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I discovered it when I tried to make a XXXX XXXX  account in XX/XX/XXXX. It pulled up an error and it said there was already an account with my social security number. The email that it was associated with was my fathers email ( XXXX ). I then made an XXXX account. Once I was able to look at the XXXX account I found there was 5 credit cards opened in my name without my consent or knowledge of them being opened. XXXX account was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX  XXXX was opened on XX/XX/XXXX. XXXX XXXXXXXX XXXX was opened XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened XX/XX/XXXX. NCB Management ServiceXXXXXXXX XXXX XXXX XXXX was opened on XX/XX/XXXX. All of these were discovered when I opened my XXXX account in XX/XX/XXXX. Prior to opening my XXXX account, I had no knowledge of these credit card accounts. For the XXXX XXXXXXXX XXXX  card and the XXXX XXXX XXXX  card, my father gave me those cards in XX/XX/XXXX. He led me to believe he was the main card holder on the accounts and that I was just an authorized user on them. I now know that is not the case based on my credit report. I then asked my father XXXX XXXX if he knew about these accounts and he admitted to me around XX/XX/XXXX that he was the one who opened the accounts in my name. I filed a dispute on XXXX for all of these credit card companies but since all my information was used they all sent documentation back to me saying I was the one who opened the accounts and that they were valid. I then received documentation from the credit bureaus about the applications and the information that was used on the applications. One of the files I uploaded below that says " XXXX XXXXXXXX XXXX  XXXX XXXX '' has all my dads information on it. Under contact information is all his information that is my fathers email and phone number. Under Financial Information my father had put I worked for his company " XXXX XXXX XXXXXXXX '' as an XXXX which is in XXXX XXXX, LA. I never worked for my fathers company nor did I have any job at the time. The job says I was an XXXX  and that my hire date was XX/XX/XXXX I had just XXXX XXXX XXXX mid XXXX of XXXX. I looked up the requirements to be an XXXX in Louisiana they are as followed : You must complete a minimum of 90 hours of Education with an XXXX approved education provider, then you must pass a XXXX XXXX  and also complete 30 hours of pre licensing platform training as well as 10 XXXX XXXX  with an approved XXXX XXXXXXXX XXXX If I XXXX  from XXXX XXXX in mid XX/XX/XXXX how is it it possible I completed this all by XX/XX/XXXX?? I also do not have W2 's from that year because as I have stated I did not have a job until I attended XXXX XXXX University in XXXX XXXX and had an XXXX XXXX job in XXXX. I now have 2 collections account associated with my social security number. The account are XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$490.00}. NBC Management ServiceXXXXXXXX XXXX XXXX XXXX  with a balance of {$1700.00}.
Product: Debt collection

Hi CONVERGENT OUTSOURCING, INCXXXX ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9600.00} XXXX XXXX XX/XX/2021 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

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

I have been a victim of a massive identity theft and sent all asked for and required documents to Amazon Chase and they told me I would have a new card with all charges reversed within 4 days and never followed thru. They closed my account
Product: Checking or savings account

Capital one, I block the funds in my debit account, it tells me that they are not available for withdrawal, since XX/XX/2022, 11 months ago, I have called the bank many times and they do not give answers or give deadlines to resolve The problem, and I need the money, is XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian - The following inquiry were not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like this item immediately re-investigated. 
XXXX XXXXXX/XX/year> 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified XXXX XXXX that they was reporting inaccurate on my credit fie that they maintain under my social. Yet and still they still continue to report this inaccurate information. I have notified them on numerous times that this account did not belong to me and I have been a victim of identity theft concerning this alleged account. Yet they claim that they have verified this information with XXXX. How is this possible and they cant even verify the information with me. After speaking with XXXX they claim that they have sent Experian correct information thru regular communication channels to delete this account from my report yet they are still continue to damage my credit file with this inaccurate information. They have no contract and no proof that this account belongs to me so how in the heck are they reporting it to and claim to have verified it. WHOM DID YOU SPEAK WITH AND WHAT DID THEY SEND YOU BEARING MY SIGNATURE?? This account does NOT BELONG TO ME AND I AM A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I am submitting my XXXX complaint today to reiterate my last complaint dated XX/XX/XXXX. Anticipating another monthly update for my credit reports through XXXX XXXX within 15 days, I sincerely request the Credit Bureaus to remove these fraudulent items from my credit reports. I have re-attached the new FTC Report XXXX and the identity verification documents. The following items need removal, listed per bureau : -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX. Let me reiterate that FCRA Section 605B ( a ) mandates that Credit Reporting Agencies remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than XXXX business days after the date of receipt. Additionally, FCRA Section 605b stipulates that Credit Reporting Agencies are required to remove any items listed on an identity theft report.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 - Gemini account frozen, no prior warning or notification. Discovered upon login. 

XX/XX/2021 - Submitted support ticket requesting assistance. 

XX/XX/2021 - Received boilerplate response. Issue forwarded to different department. 

XX/XX/2021 - Received request for identification photos. 
-- -NOTE : Request specifically stated " reply to this thread once this is complete as I will escalate your case for expedited service. '' XX/XX/2021 - Submitted requested info. 

XX/XX/2021 - No response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.
Product: Credit reporting or other personal consumer reports

According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i requested validation for the this account -- - **Subject : ** Follow-Up Regarding Disputed Debt : US DEPT OF THE TREASURY Dear Equifax , Thank you for responding to my formal dispute submitted through the CFPB Complaint Portal XXXX While you have stated that the item " Trade : US DEPT OF THE TREASURY '' was verified as belonging to me, your response did not address my specific request for detailed validation of this debt as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

To clarify, I am requesting : 1. **Evidence Used for Verification : ** Please provide all documentation and evidence relied upon during the investigation, including communication with the furnisher of the information.

2. **Validation Details : ** Specific information regarding the debt, including : - The exact amount owed.

- The name of the creditor to whom the debt is owed.

- The date the debt was incurred. 
- Documentation demonstrating that I am legally responsible for this debt. 
- Proof of assignment or transfer, if applicable. 
- A copy of the original contract or agreement, if available. 

Under the FCRA, you are required to ensure the accuracy and completeness of all information reported in my credit file. Simply stating that the debt was " verified '' is insufficient without providing the requested details to substantiate the claim. 

Additionally, if you can not provide this information, I demand that this item be removed from my credit file immediately. I also request that this debt be marked as " disputed '' until resolution is reached, as per federal law. 

If this matter is not resolved promptly and satisfactorily, I will consider filing a complaint with the CFPB, the FTC, and other relevant regulatory authorities. I reserve the right to pursue further action to protect my rights under the law. 

Please confirm receipt of this correspondence and provide a timeline for your response. I look forward to your prompt attention to this matter. 

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

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, Equifax, and XXXX  for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ]  XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXXXXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXX {$30.00}
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not
Product: Mortgage

To whom it may concern, I was hoping that you could help me with my current situation. 
Brief story is, back in XX/XX/XXXXI fell on some hard times, like many people back then I had filed for bankruptcy, divorced, and was ready and willing to loose my home. I Had it up for a short sale in XX/XX/XXXX, when XXXX XXXX XXXX XXXX ( the original mortgage holder ) went belly up. Since then the loan was sold to different lenders and now Ocwen owns the it. I have tried in the past for a re modification loan with no prevail. It has been over 10 years now that I have resided in this house and been maintaining it without any help from Ocwen. They do however send me a monthly statement now stating that I now owe over {$350000.00}. This can not be legal, and would appreciate it if you would help me with all of this. I can't sell the house nor can I just walk away ( like most had ) or even consider buying a house even with a credit score of over 800. The more I reach out to people the more I find out that I am not the only one. 
I would like for CFPB to investigate further into the original documentation from the original mortgage taken out with XXXX, XXXX XXXX XXXX ( XXXX ) It has been so long ago that I honestly don't remember but I may have taken out a home equity loan to do much needed repairs to the home. New roof, windows, siding and bath remodel. 
I have already filed a complaint through my local Senator XXXX XXXX, who forwarded everything to you folks who in turn just forwarded it to Ocwen and then just closed the case without any further investigation. I would like to receive the original documentation from XXXX who I'm sure you are aware of the circumstances involving their fraudulent charges brought against them back in XX/XX/XXXX. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX, are all three-reporting different information on my credit report when it comes to my XXXX  XXXX credit card # XXXX. XXXX showing the company took a full right when they did not because I paid half in the settlement, so they did not take a full right off. 
Transunion - Is showing Payment after charging off. 
XXXX Is showing just charge off
Product: Credit reporting or other personal consumer reports

My husband and I called and spoke with several loan account specialists on XXXX before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.