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

XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AR. XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

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

FILED ON XX/XX/XXXX STILL NOT GOT IT BACK XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, Account # unknown has violated my rights XXXX XXXX XXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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: Payday loan, title loan, or personal loan

I am XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Discover Financial Services XXXX Inc d/b/a Discover. I was notified of this transgression of my rights specifically 15 USC 1601 - The truth in lending act. I as a natural person possessing an open-end credit plan was harmed by Discover Financial Services , INC d/b/a Discover adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Discover Financial Services, INC d/b/a is now civilly liable to pay me for the damages.
Product: Credit card

I was victim of identity theft back in XXXX and XX/XX/2023. I was notified by protect my ID through tipple XXXX of fraudulent activity on my record. My social security number, day of birth, driver license and mail was compromised. they stole all my information. multiple accounts opened under my name. Filed a police report under XXXX XXXX XXXX department. Case number XXXX. Pretty most of the accounts opened have being resolve except for XXXX account. I have contacted the company security Operations department which is in charge of investigating fraudulent cases. I was instructed to mail some information from my side. So i mailed a copy of my ID, a copy of the police report and copies from my bank statement. i was told the person who opened the account made the first month payment so they needed proved it wasn't me making the payment. This was back in XXXX. So i followed up a few weeks l letter after i received a letter from them that they have concluded i was responsible for making the payments in this account. I called them and they said the reason why i received this letter it was because they never received the information. Even though they provided me with address where i have to send it. So now i was instructed to fax it over. So i did XXXX weeks ago to the number the provided me and i called them last week to follow they said they could see the information i sent and they were going to send it over to the investigator in the case. i received a similar letter this week saying they concluded im responsible and i have to pay for the charges. so i called them again 3 days ago and they said they didnt received any information now they want me to fax it over again to 2 different fax numbers. I requested an email address instead and they said they dont have an email address. I am tired of dealing with them. i have done everything i was instructed to do because i want my credit to be fix again. I feel i have being treated unfairly even though i have tried to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I attempted to pay the balance in full on XX/XX/XXXX via the mobile app. I had to link an external bank account to make the payment, t=but that account did not appear in the dropdown as an option for making the payment. I attempted to link the account again but was given a message that it was already added and was ready to make payments. I took a screenshot of that, and of the page where that account was not an option even after being added. On XX/XX/19 I called customer service to resolve the situation and ask that the interest charges be removed, as I attempted to pay the balance in full by the due date but was unable to due solely to the bank 's IT issues. The representative refused to waive the interest charges and I asked that the account be closed.
Product: Mortgage

My mortgage was refinanced using the HAMP act ( I believe it was XXXX? ) under the Obama administration via Ocwen Loan Servicing. During that process, my loan debt was forgiven in the amount of {$87000.00}. I received a 1099-C Cancellation of Debt in XXXX  for the amount of {$87000.00}. In XXXX, I sold my home and at closing, the new servicer, PHH Mortgage, added the {$87000.00} forgiven amount back into the balance due at closing. It has just now come to my attention, after reviewing my records for another purpose, that this cancellation of debt forgave the amount and it should not have been factored back in at the time of the XXXX  closing. What recourse do I have to recoup the {$87000.00} that was actually due me? Please advise at your earliest convenience. I have the original XXXX  Cancellation of Debt as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report an Account named : XXXX thats inaccurate. They have refused to provide me with proof of their fair an accurate investigation into this account. 

Transunion continues to report an unverified inaccurate XXXX XXXX bankruptcy XXXX XXXXXXXX, this has been reaged and readded to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX  on Experian for the past six months to no avail. I have furnished to Experian a letter from said company stating that the account in question is closed and they refuse to correct my credit report.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, pursuant to 15 usc 1681 b ( 2 ) your agency also has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent also your agency has no permission to report anything using my info pursuant to 15 usc 1681 ( 4 ) However your agency only go off the word of creditors & third party agencies which is another violation pursuant to 15 usc 1681 A ( E ) the following companies NEED TO IMMEDIATELY BE REMOVED FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It was a year into the loan i had made all payments my info told me that was enough to cancel pmi they said no they disagreed by saying bring suit against them .I left it alone and now it says if i made all payments that half way through the loan that pmi should be canceled if i made all payments and that i should have received a pmi cancelation date there was a law suit against another co was wondering if there a class action against Rocket mortgage do i have the right to go back now to ask for realest by way of the halfway point ruler or the one year rule time I also had a program thru hud agency offer to pay on the mortgage they refused saying they did not or where not going to except partial payments to my account the program is called hopwa do they have to except it i was in the pandemic forbearance which i read that thru while coming out of forbearance it was made another term
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/year> :
Product: Credit reporting or other personal consumer reports

During a security clearance check for my employment ( I am a XXXX in the XXXX XXXX ) a collection account was discovered on my XXXX profile showing I owe XXXX dollars for an XXXX XXXX XXXX in XXXX. 

I have lived and worked without any break in service since XXXX in XXXX, XXXX and the XXXX. 

I am including my XXXX driver 's license showing I am a resident of XXXX now, since XXXX. 

A third party opened the account in my name without my knowledge or consent. 

This must be investigated, and removed from my profile since it clearly is, and never was my account.
Product: Student loan

I had no job due to being laid off, I tried to work out a payment arrangement and was told I still had to pay regular amount. My income tax was taken and incorrect information was put on my credit report.
Product: Mortgage

My husband and I started with a covid loan deferment in XXXX to Specialized Loan Servicing and then it was switched to covid hardship forbearance that ended in XX/XX/XXXX leaving a debt of {$42000.00} that the mortgage company is demanding as a lump sum due immediately or house will foreclose. They are insisting that our only option is deed in lieu or short sale. We have applied for a 2nd independent review for a loan modification, or any other way to resume our payments immediately and have the debt deferred to the end of the loan etc. but they are uncooperative and continue to threaten foreclosure. Any assistance to resolve this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

i have information that does not belong to me in my report and it is harming me i want it to be removerd from my history XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2018, XXXX XXXX XXXX another collection item showed on my credit report that has not been verified or validated. I contacted XXXX ( online ), TransUnion, and XXXX to advise of the issue. I asked was there a fraud alert and they said " yes ''. 
XXXX alerts have been on my credit report since XXXX, 2018. 

I advised they that they are reporting not valid information and asked them to remove it. They informed me that they have to dispute it, even if it's fraud. That I should file a police report if I believe it was identity theft. 

One of the requirements is that I'm allowed to obtain information from a debt collector. At this time, I was not able too. I was advised to contact the debt collector.
Product: Debt collection

XX/XX//2019, I was checking my credit report and there was an account that was given to collections about a bill that I do not know anything about and I never received any statements from original credit - for health care services. I've worked on cleaning up my credit report so that I could purchase a home and this account was not on my credit report ; now it is showing on the report. 

I never received any statements or letters about this and I was unaware of this account. I have tried handling this on my own, except my complaint is with the Original Creditor and the Collections Agency. 

I do not appreciate a place of business XXXX XXXX that does not send you notification or statements pertaining to a bill ; especially if you are not aware of it and they turn it over to a collection agency.
Product: Debt collection

I have spoken to several individuals at Midland Credit Management including their parent company. They refuse to negotiate or cease attempts to collect fraudulent debts. 

Midland credit management has been garnishing wages from my employer for the debt I originally filed a complaint about as well as a completely unrelated garnishment that I was not informed of nor have any idea what it is. This company has attempted to collect fraudulent debts from others in the past and have received a ton of scrutiny. 

All of the statements they have made regarding these debts are FALSE. They have not provided the legal documentation required and have committed FRAUD and violated the FDCPA. 

They have also garnished MORE than the amounts alleged in their default judgement and responses.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have reviewed my credit report and have found inaccuracies and discrepancies that are effecting my credit score and livelihood. I have asked the creditors to delete the account in accordance with consumer laws and IRS definition of charge off but they have not respond to my letter sent on XX/XX/XXXX. Please see attached letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the police that I am a victim of identity theft, so I requested a credit report. I noticed addresses on there that I never lived at. One of which is my ex-husband 's. I see his address on the report, but I do not have proof yet if he has used my identity. The address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I never lived there or used this address. It belongs to XXXX XXXX. Address ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a fraud alert or freeze so no one can access my file. Yet I have inquiries listed that are not mine. I called those companies and they have no information of my identity on file. I want these credit inquiries remove. They are not correct. I can not access my credit file either. I have to go through credit karma. I should be able to access my credit file at any time. 


I want these inquiries removed as I didnt apply to any. 

XXXX/XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + Utilities & Fuel XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  Card Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX  Inquiry from XX/XX/XXXX + Bank
Product: Credit card or prepaid card

I have been in a constant struggle with Bank of America for years now. 

In XX/XX/XXXX they began taking {$50.00} credit card payments from my savings account to pay off a credit card that I owed nothing to. My balance was at XXXX. 

In XX/XX/XXXX I finally noticed them draining my account and went into a branch who told me they could send me " {$200.00} '' checks in the mail to pay me back for my debit. 

I turned off payments in XX/XX/XXXX and never turned them back on. 
I also never received the full balance they owed me in checks. 

Some months later, BofA turned the payments back on without my consent and began charging my card {$50.00} every month again although I still did not owe anything. 

In XX/XX/XXXX, I noticed they had turned payments back on and I shut the payments off. They told me they were going to launch an investigation into how much they owed me and it would take 3 months. In XX/XX/XXXX I received a check for only {$200.00} ( far less than what they owed me ) and they continued to charge my card. 

By now they had drained my savings so much that they were now charging me maintenance fees too. 

In XX/XX/XXXX, I noticed they had turned my payments back on AGAIN without my consent and were charging me AGAIN. I went online to shut them off and my online account said I did not have any payments to shut off therefor could not shut them off. The representative saw what I saw as well and notified tech - she launched another investigation internally with BofA to see what was going on. 

She tried to calculate up how much BofA had calculated they owed me over the course of 6 years and their total was {$800.00} - far less than what they actually owed me. 

it is now XX/XX/XXXX and no one has turned off my {$50.00} payments and I still am not able to turn them off on my own. I have been sent {$800.00} and am owed far more. I am currently documenting all details and exactly how much I am owed. Should be an estimated {$2400.00} ( 6 years minus the small payments they have made to me ). + they owe me for the maintenance fees that their systems caused and the time I have gone without my money in my account AND the time I have wasted trying to sort this out. 

If they are doing this to me - they are doing this to other people as well.