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

Im submitting a complaint to you today to inform you 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 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block 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. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Mortgage

I have a loan modification that is serviced by Select Portfolio Servicing Inc.. 
My corrected email is XXXX I tried to update my profile but had trouble opdating it. 
I am supposed to have differed amount waived after XXXX consecutive payments, I have asked for several months including my attorney asked to be corrected over a year ago. 

They continue to refuse to correct and are using a delay tactic when I call them they tell me that I am incorrect about the deferred amount, I have submitted the loan modification documents several times and they continue to delay the process. 

They also failed to explain why there is a {$260.00} monthly fee under other charges and fees. 
" We are submitting your request to the appropriate department '' is their response. 

I have talked to other people who are having the same issues with servicing companies.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX performed our bi-monthly service for ant control. Within two days the inside of our home was overrun with ants. We telephoned XXXX XXXX XXXX twice asking for a technician to come out and respray under their warranty. We were given the run around and no one contacted us or came back out. I wrote to XXXX XXXX XXXX on XX/XX/XXXX notifying them we would not pay the bill because they didn't provide adequate service. 

In XX/XX/XXXX I received a letter from Systematic National Collections, a debt collection service. I followed the direction on their letter and notified them in writing within thirty days that I dispute the validity of the claim. They never responded to me. 
On XX/XX/XXXX I was notified by XXXX XXXX that a negative report had been posted. 
I telephoned Systematic National Collections today and the young man with whom I spoke would not listen to me and just repeated over and over again that I owe the bill and to just send a check. 

I will not pay for service that was not provided adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A Synchrony Bank Pay Pal Credit Account was opened on XX/XX/2020 and was immediately used for cash advances in the amount of {$3600.00}. In investigating how such account can be opened the only requirements are date of birth, your income after taxes, the last 4 digits of your social security number, and agree to Terms and Conditions. ( https : /XXXX  ) I learned about this account when my credit report was run in XX/XX/2020 showing delinquent payments. I have contacted Synchrony Bank and during my first call they could not tell me what purchases were made or any details for why I owed them money. They did not have my current address ( an address I have been in for 2.5 years ) so I had to give that to them in order for them to send me the notification of a Fraud Investigation, which I did receive within the 10 days they told me it would arrive. However, when it arrived it became apparent that they did not even have my correct name on file. Therefore, Synchrony Bank did not do any due diligence to protect my rights as a consumer since they allow someone to open lines of credit with a bare minimum of information. At this point in time, Synchrony Bank has done more to protect the people that have stolen my credit than they have done to protect me. They could not even give me the address that was used to open the line of credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Account # : XXXX Dear Porfolio Recovery Associates , LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Portfolio Recovery Associates , LLC.

Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.

Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report.

I appreciate your prompt cooperation in this matter.

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

Hello, i have mailed several dispute letters sent certified mail to you for you to conduct an investigation in XX/XX/2022, XX/XX/2022, and XX/XX/2022. I never received any results In the mail for the investigation, which is a violation of the Fair credit reporting act. I called to request a copy of the investigation results and I was told that no investigation into my disputes were ever done. This is a clear violation of 15 USC 1681i. Because of your negligent handling of this matter I have suffered tremendous damage to my reputation, character, health, and lifestyle. You have caused me to be denied opportunities economically, which has hindered my ability to provide for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED A LETTER FROM : DIRECT MORTGAGE LOANS LLC XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - MARYLAND XXXX THE FIRST PAGE WAS NOT DATE ; HOWEVER, IT WAS INDICATED THAT THEY MY RAN A CREDIT REPORT WHEN I DID NOT AUTHORIZE IT!!!! 

WHEN I CONTACTED THEM BY PHONE, I WAS TRANSFERRED TO VOICEMAIL ( 2X )!!!!!! 

I DEMAND THAT THIS INCIDENT BE INVESTIGATED!
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Illegally Sold Information Due to Equifax XXXX XXXX I am formally requesting the immediate deletion of specific accounts and items from my credit report. As a victim of the Equifax data breach, my personal information was unlawfully sold and purchased. I am attaching evidence confirming Equifax 's acknowledgment of my status as a victim of this data breach. 

In light of this breach and Equifax 's failure to take appropriate action, I request the removal of the associated accounts and items from my credit report effective immediately. Your prompt attention to this matter is appreciated. 
I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists
Product: Debt collection

That : XXXX XXXX XXXX XXXX Gordon, Aylworth and XXXX XXXX, along with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX idaho conspired together in : Case No. XXXX ( Bank Levy XXXX to : Violate consumers financial laws and to engage in the unfair, deceptive and abusive acts and practices and Violate the fair debt collection and practices act ... That on XX/XX/XXXX XXXX XXXX XXXX XXXX a bank levy on my XXXXXXXX XXXX XXXXccount for {$980.00} ... l was never notified by : XXXX XXXX our XXXX XXXX XXXX XXXX this occurred ... That on : XX/XX/XXXX, there was another bank levy put on my XXXX XXXX  account by : Gordon XXXX Aylworth and XXXX for : {$1000.00} ... this is the same Case number as above... I was not notified by anyone this happened ... That XXXX XXXX did not take the actual court order stating the original {$980.00} ... That XXXX XXXX  took the cover sheet of the collection agency for : {$1000.00} ... That I filed a complaint against the collection agency and XXXX XXXX XXXX XXXX with the XXXX Case No. XXXX ... That a hearing was conducted before the : XXXX XXXXXXXX XXXX XXXX XXXX XXXX on : XX/XX/XXXX there has been no decision yet ... That I filed a complaint against the collection agency with the Department of Finance XXXX I was never notified about any bank levy until : XX/XX/XXXX and XXXXXXXX XXXX  took {$100.00} for processing fees associated with this bank levy... XXXXXXXX XXXX also added other penalties and fees associated to this bank levy...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$13000.00}
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear NATIONAL CREDIT ADJUST, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 
XXXX. Proof of proper reporting : Evidence that you are legally able to collect this debt. 
Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 
If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 
Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are fraudulent on my accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account
Product: Credit card or prepaid card

I submitted a complaint regarding this account to CFBP on XX/XX/2021. The complaint number is XXXX. The company resolved my issue. The following month, the company re-created the exact same issue. I contacted the company directly and they agreed to resolve the issue again, which they did. This is at least the third time that the company has placed a promotional balance on my account that does not in fact exist. If they had closed my account either of the prior two times after correcting their error, this third error would not exist. I am requesting that the company again correct their promotional balance error, but this time close my account immediately so that there is not a fourth occurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was delinquent when I was contacted by Discover in XX/XX/XXXX. I set up a payment plan with the understanding that this would bring my account current. I've made my payments as required since that date. I logged into my free FICO score in XX/XX/XXXX and was surprised to see I've been reported to the credit bureaus as delinquent every month since I entered the plan. I called Discover and asked them to explain and they said well you were still delinquent. I asked them if this was explicitly disclosed to me when I entered the plan they said no. They explained how the payments would work again but said they don't explicitly say we're going to keep reporting you to the credit agencies. I feel this is a deceptive and abusive collection practice. If I had known I would be reported to the credit agencies I would have found a way to bring myself current instead of enrolling in a program I thought was doing the same thing.
Product: Debt collection

I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have provided to XXXX, Experian and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Product: Credit reporting or other personal consumer reports

XXXX Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX  nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want XXXX to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by XXXX to the reason on my credit file
Product: Debt collection

I received a debt collection notice dated XX/XX/year> regarding aXXXX XXXX XXXX XXXX XXXX XXXX. I have never lived in Texas. I am a victim of Identity theft. THis debt is not mine. The company trying to collect is Procollect XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX The account number is : XXXX. 

XXXX have been sent a collections notice for an XXXX XXXX XXXX XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX. This notice came from a company called Procollect. phone number XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. They don't even spell my name correct, there is no 'D ' in my last name. This letter is addressed to XXXX XXXX. I am a victim of identity theft. I have had my credit frozen for years, fraud alerts in place, a few people have been jailed already for stealing my identity. I have lived in Minnesota for the past XXXX plus years! I have filed a police report with the XXXX XXXX XXXX regarding this matter as I have gotten nowhere with the Consumer Protection Bureau. Clearly they are not investigating people properly.