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

XXXX, XXXX, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. Transunion : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, transunion and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. XXXX, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, transunion and XXXX  a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, transunion and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts 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 these 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: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get these fraudulent identity theft accounts off my credit report. I have sent XXXX, XXXX and Equifax all my etc report and dispute for these fraudulent accounts. most recently on XX/XX/XXXX I have mailed my ftc and dispute to XXXX, XXXX and Equifax and they almost 90 days later there still on my report. when they must remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking the laws and causing me major distress to my life. the accounts that are with id theft need to be removed below. 
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
Product: Debt collection

I owed on a bed we had purchased from XXXX XXXX and ACIMA CREDIT  was the company that did all the financing. We were on our last two payments and my wife and I just said lets pay it off and be done. I called the company and told them I would like to pay off the bed. The lady on the other end told me that I could pay {$200.00}. She then started typing and came back and told me that the computer would not accept the full payment and I would have to wait to pay the other payment. I then asked to speak to a supervisor, whom then told me that I was not able to pay the full balance because the system would not allow full payment. I was speaking to them in front of two of my coworkers who asked how any company would not except payment. I then asked the lady if this was a recorded line and she said yes. I wanted to make sure it showed I tried to pay off the account and they told me no. My wife then went online a week later and paid the {$200.00} which it said would close the account. A few days later we received a call from ACIMA CREDIT saying we owed {$43.00} still. I told them I wasn't paying another dime for a bed we were told cost {$450.00} and ended paying close to {$1100.00}. This company continues to call us and ask for payment and I have told them to stop calling me or we would have our attorney get involved. They then put on my credit report that I owe them {$180.00}. The call I received yesterday said I owed {$93.00}. Obviously this company is only trying to collect interest on interest and nothing more. I added my last payment receipt with this complaint. The system told us that was the payment needed to close the account. Here we are months later from XXXX and they are still calling trying to collect money.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select Porfolio Servicing, Inc. currently services the mortgage loan on my residence referenced above. My Select Porfolio Servicing loan number is # XXXX. My original deed of trust was through XXXX XXXX XXXX XXXX for {$100000.00} and was settled on XX/XX/XXXX ( # XXXX ) ( see attached loan document copies ). Since my original loan, two fraudulent second deeds of trust have been made against my property that I neither agreed to nor signed for nor received any money from. The purpose of this letter is to demand proof from your company that I owe money for both second deeds of trust described in this letter. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX XXXX ( # XXXX ). I have never received any of the {$55000.00} loan amount. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was also made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX ( # XXXX ). I have never received any of the {$130000.00} loan amount. 

I have also filed a police report with the XXXX XXXX Police on XX/XX/XXXX ( Incident # XXXX ) ( see attached police report document copies ). 
Unless you can prove that I received these second deeds of trust loan amounts,
Product: Mortgage

I applied for a mortgage through the Loan Depot company. My agent 's name is XXXX XXXX. I was told via text message that I was disqualified. The agent said the underwriter when I called. because no one sent me any info about my reason for denial except in a text message I called their customer service number and the XXXX said my application was never processed. Now my credit score is lower and interest rates are 2 % higher. I applied on the XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX,
Product: Mortgage

On or about XX/XX/2020, we applied for a 2 % interest rate mortgage to refinance our primary home mortgage with AmeriSave Mortgage Corporation NMLS ID # XXXX. The loan ID or Application # is XXXX. Shortly thereafter, we were informed our rate lock of 2 % with points of XXXX. We submitted all documents requested ( bank statements, payoffs, insurance, etc. ). We paid for an appraisal and loan application. Despite numerous promises, XXXX XXXX Loan Originator NMLS ID # XXXX, and his supervisor, XXXX XXXX, Mortgage Sales Manager Assistant NMLS ID # XXXX, our loan never closed. We have made numerous attempts to get responses but we were ignored and when a response came, it was plagues and that they will move to close the refinance. It has now been over 6 months and, again despite number attempts, we have not gotten any response from AmeriSave. In fact, the number you referenced by Mr. XXXX as his supervisor or contact if he is not available ( XXXX XXXX? sp ) with phone number XXXX ) is a senior living place called XXXX XXXX in XXXX XXXX. This whole process has caused us to miss refinancing our home at favorable terms.
Product: Student loan

I renewed by XXXX in XXXX of 2018. Against my wishes and application, my loan servicing company ( Great Lakes ) placed me into PAYE. This caused me to acquired increased interest as none of the interest is subsidized. They have since rectified placing me into the wrong IBR plan, but the will not rectify the additional interest that accrued during this time. Additionally, now the interest has capitalized into my principal, which will cost me thousands by the time I am done with repayment. 

The first individual I spoke with at Great Lakes assured me that this was an error on their end, and it was no fault of my own. This seems to no longer be their story. 

The short detail of this is that my interest shouldn't have capitalized due to their mistake, and there is more interest than there should be, had they placed me into the repayment program I desired ( REPAYE ).
Product: Debt collection

Since XX/XX/XXXX, I have been receiving daily aggressive phone calls from a XXXX  claiming to be urgent and from XXXX. The message instructs me to call back using the number on the caller ID promptly to speak with a live representative. Despite this, the calls intentionally misrepresent the information on the caller ID to conceal the caller 's identity. Frequently, the calls are spoofed to make it seem like they are coming from a local number. After researching, it is alleged that " XXXX '' is not an acronym but another agency of United Holding Group, LLC ( also known as UHG , LLC, UHG I LLC, and UHG II LLC ), a Delaware limited liability company with its principal place of business at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York. which highlights " strategic receivables solutions '' for " unlocking value in charged off and non-performing consumer loans. '' Per The Fair Debt Collection Practices Act ( FDCPA ) debt collectors are required to provide validation information within five days of their first communication with a debtor. To date, I have not received such information from XXXX aka United Holding Group. Instead, I have been subjected to harassing and aggressive phone calls from spoofed telephone numbers. To date, the calls and caller id information have generated as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MI ), XX/XX/XXXX ( XXXX XXXX  ) from ( XXXX ) XXXX ( XXXX, NC ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX ), XX/XX/XXXXXXXX XXXX XXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX ) from XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, AZ ), XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX  ) from ( XXXX ) XXXX ( Private Name ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXX XXXX XXXX from ( XXXX ) XXXX ( XXXX, MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX, XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX ( XXXX, GA ), XX/XX/XXXX ( XXXX XXXX ) from ( XXXX ) XXXX ( XXXX, DE ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXXXXXX XXXX XXXX MD ), XX/XX/XXXX ( XXXXXXXX XXXX ) from ( XXXX ) XXXX.
Product: Debt collection

Good afternoon, I've recently been aware of a remaining bill from XXXX after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called XXXX letting them know my circumstances and that I'll have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called XXXX again where they verified what the workers at the XXXX had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX of about {$120.00}. I've tried to reach XXXX countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called Saturday, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.
Product: Checking or savings account

We opened a new account with PNC Bank on XXXX XXXX XXXX in XXXX, AL. They did not confirm our addresses under this new joint checking. They sent to co-applicant 's mail to MY address. A woman resides there and is not to know the name of my cosigner on joint checking, and now she has his full name, breaking regulation.
Product: Checking or savings account

I closed my bank account at Regions Bank on XX/XX/XXXX. They have now reported me to collections for a {$25.00} overdraft fee. I went to the branch location on XXXX XXXX XXXX, XXXX, GA XXXX and had a banker close the account in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has 4 hard inquiries from XXXX. I do not recognize them at all. I am not sure why they are there and I would like them removed as it is negatively affecting my credit.
Product: Money transfer, virtual currency, or money service

I filed a plethora of disputes that were resolved in my favor, my account was permanently deactivated after with {$790.00} in my account. I keep getting the same email saying After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding.
Product: Debt collection

I ordered a phone from XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and paid a sales tax of {$49.00}. I changed my mind and canceled. XX/XX/XXXX, they emailed me a return label and returned the brand new phone, never used and in its original Packet. They emailed me that they received the phone and refunded me {$48.00} tax which was paid during the phone order. Please look at the attached email dated XX/XX/XXXX, from XXXX XXXX XXXX. 

I sent these documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX about this issue before they send it to the collection. 

Please review all documents and remove my account from the collection. How can I be responsible for the phone I returned on time per their direction? 

Please help me and solve this problem. 

Thank you
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. To ensure it wasnt just a technical issue, I refreshed my browser, yet the errors remained. Given this problem, I request a thorough review of the documents Ive submitted so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXX   USA DPT ED/XXXX