23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX has violated several of my federally protected rights due to an alleged debt that they are saying I owe in which they actually sold my information to a third party in which I never consented to do so. 

First violation Pursuant to 15 USC 1692 ( a ) - I have been abused because XXXX & True Accord are stating that I owe a debt when I do not and XXXX & True Accord are in violation of 15 USC 1692 ( b ) ( 2 ) as while they were contacting me they stated that I owed a debt which in fact they are not supposed to XXXX & True Accord are in violation of 15 USC 1692 ( c ) ( a ) as I never gave any written consent for anyone to communicate with me regarding this alleged debt and never gave them my permission. 

XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 2 ) as the term debt is obscene and profane language to me XXXX & True Accord are in violation of 15 USC 1692 ( d ) ( 5 ) as I was contacted multiple times and it in fact annoyed me XXXX needs to compensate me for all violations per the Fair Debt Collections Practices Act that they failed to comply with the requirements in the Act and they are civilly held liable for such action. 

Please pay the attached invoice immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was a victim of identity theft. I had an account showing up on all XXXX  credit reports showing it was opened up with XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX for a {$2000.00} credit limit and a balance of {$1400.00}, under my name and was reporting to all XXXX credit bureaus. I filed multiple disputes with all XXXX credit bureaus as well as XXXX XXXX/ XXXX XXXX XXXX XXXX and sent them all the required docs. The account was removed from XXXX and XXXX ; and I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX stating that a request had been submitted to all XXXX credit bureaus to remove the account as it had been found to be fraudulent. I was unable to obtain a copy of my Equifax credit report since XX/XX/XXXX up until today, XX/XX/XXXX. Upon reviewing, I saw the account is still reporting to only Equifax, after I had previously sent multiple documents that they were requiring of me, including an FTC Identity Theft Report as well as a police report. The documents required were sent multiple times : XXXX XXXX mail on XX/XX/XXXX with a tracking # of XXXX and faxed on XX/XX/XXXX to XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter from Equifax stating that the account was not currently reporting on the Equifax Credit File. I called Equifax today, XX/XX/XXXX, and spoke with a representative named XXXX to request the account be removed since a letter was sent to Equifax on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX to remove the account. Instead of removing the account, another dispute was filed. I asked for the reps employee number and was immediately hung up on. This account needs to be removed from my Equifax credit report as this practice has now turned into being illegal against the Fair Credit Reporting Act. This account was requested to be blocked by Equifax, and was not, until the investigation was complete as it was a result of identity theft. As well as Equifax not removing it once it was found to be fraudulently opened by XXXX XXXX XXXX XXXX and a letter was sent to Equifax by XXXX XXXX XXXX XXXX to remove all tradelines and any related inquiries on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Discover card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to XXXX, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. 

Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, Discover is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on XXXX it says the account was charged off XXXX of that same year. Each of the 2 Credit reporting agencies listed are reporting completely different information which are both inaccurate. 
This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, ThisDISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently Paid for a copy of my credit reports. And reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means the below listed accounts werenot opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reportedthese accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was purchased from XXXX XXXX XXXX by Mid America Mortgage XXXX. XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX. I have made numerous phone calls asking Mid America Mortgage why my mortgage with them is not reporting to the credit bureau. They have told me over and over again since the middle of XX/XX/XXXX that it will be next week. I spoke with XXXX, Manager ID # XXXX on XX/XX/XXXX and she stated they are running their test data and she is hopeful they will have the reporting in by XX/XX/XXXX with all data supporting payment history back to XX/XX/XXXX. She stated they are required to have this completed by XX/XX/XXXX or they will not be able to update the credit bureau and my credit rating. Since my mortgage is no longer on my credit report my credit score has dropped by over 100 points. I have damages associated with Mid America 's inability to perform their tasks as they should based upon the Fair Credit Act. I am very did-satisfied with Mid America Mortgage and expect them to report my credit history immediately and I in turn expect to be compensated for the damages I have incurred due to the reduction in my credit score.
Product: Credit card or prepaid card

- I received an unsolicited call from Bank of America on XX/XX/27 ( XXXX ). I am not a BOA customer. BOA stated that a credit application was made in my name and asked me to verify. I told them I had not applied. BOA then asked me for my DOB and SSN. I refused to provide. BOA said they understood and told me to find any customer service number on BOA website, to call and they would connect me with the credit department. - I first called BOA 's customer service line. After~10 minute in auto dial " XXXX '' I was disconnected by BOA because I didn't have an account. 

- I called a different customer service line. I was on hold for several minutes. I was then told, after providing my DOB and SSN that I would be transferred to the credit underwriting group. I was placed on hold for several more minutes. After a brief conversation with credit, a gain being asked for DOB and SSN, I was transferred to Fraud.

- After several more minutes on hold, I was connected with a fraud person. She asked for DOB, SSN, ZIP and Phone number. She then called me back. She confirmed a credit application was filed in my name ( but did not state which kind, where or for how much ). I asked for a reference number : none are provided. I asked for written correspondence the issue has been address ; not provided. I asked for an email ; not provided. I asked for a phone number to call back ; is not provided. I was told the issue was resolved and entered into her notes. I asked to file a formal complaint ; I was told I couldn't b/c I wasn't a customer. I asked to speak to a supervisor to complain about the process and the time I was forced to waste. 

- I was placed on hold for ~20 minutes waiting for a supervisor. When the supervise came on the line, she knew nothing about my issue, spoke in circle and began to request the same information as the first Fraud agent. I realized she was filing a fraud issue. When I told her that I had already done it, she said that the first person had not done it right and when she spoke to her she realized she'd need to do it all over ( despite me being told it was submitted )- I asked to make a formal complaint. I was told that the supervisor would do it and it would also go " right to our CEO. '' I asked for a confirmation and she told me it was XXXX. When I asked what this referred to, she said, " It's my credentials ''. 

BOA 's process is unacceptable : - it seeks unsolicited PIA from victims of fraud - there is no number to call to follow up easily found on BOA 's website- there is confirmation number provided to customers. 
- BOA refused to provide correspondence via mail or email - The staff promises that issues are addressed, then I learned it was not. 
- There is no formal complaint process - I wasted almost 2 hours of my day on a fraud issue and attempting to address BOA 's flawed process.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MAKE OATH AND SAY THAT : I am a victim of identity theft fraud and have been since XXXX. This has had a profound impact on my life. I have had numerous accounts added to my name for debts that I did not create. The suspect used various names and addresses that are not tied to my name, and this information needs to be removed because I am a victim of identity theft fraud. Please do not open any accounts without contacting me first at ( XXXX ) XXXX. The suspect has used fraudulent addresses for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. None of these fraudulent names or addresses belong to me. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have filed police reports stating this address is fraudulent. The person was able to fraudulently obtain fraudulent accounts from XXXX XXXX, XXXX XXXX XXXX, CREDIT COLL XXXX. I never authorize anyone to use my information fraudulently to obtain these accounts. I have been a victim of fraud since XXXX  and someone has opened numerous accounts that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I  never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

There We're fraudulent checks that we're written in my name. The bank thought I signed create and close my account.
Product: Credit reporting or other personal consumer reports

Since the initiation of this school loan in XXXX, I have consistently made efforts to stay informed about its status and dispute all related payments with Nelnet. Initially, I had requested the original school loan contract agreement showing my valid signature be submitted to me. I then can meticulously review the terms and conditions of the school loan to understand the repayment schedule, and any associated requirements. However, throughout the years, no from of proof that I truly owe this school loan debt has been sent supporting this claim. 
Moreover, I have maintained open communication with the school loan service provider Nelnet, promptly addressing any inquiries or concerns that arose. In terms of payments, I have prioritized meeting the monthly installments until XXXX to ensure that the school loan remains in good standing. Despite facing financial challenges at times, I have defaulted on payments, but always strived to fulfill my obligations in a timely manner. Additionally, I have explored various options to optimize the repayment process, such as enrolling in automatic payment plans or seeking refinancing opportunities when feasible. In instances where unexpected difficulties have arisen, such as temporary financial setbacks or changes in personal circumstances, I have proactively communicated with the school loan service provider Nelnet to explore potential solutions. This may have involved requesting temporary forbearance or negotiating revised payment plans to accommodate temporary hardships while ensuring long-term sustainability. Also, this has included researching and applying for school loan forgiveness programs or assistance initiatives that align with my circumstances. I have also taken steps to enhance my financial literacy, seeking guidance from financial advisors or attending workshops to better understand strategies for managing debt. Overall, my approach to resolving my school loan account since XXXX with Nelnet, and the Department of Education to remove that account from my credit report due to being misled by the school advisors, has been characterized as my responsibility, diligence, and proactive engagement. I am committed to fulfilling my obligations and will continue to take all necessary actions to ensure the successful resolution of this financial commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter of Instruction to all 3 credit reporting agencies regarding errors and omissions to my personal information such as names used, addresses and employment history ... I also questioned why 30 or more years of my mostly good credit history apparently disappeared ... this was apparently credit history under my maiden name ... I included all documentation that was required ... along with a Consumer Statement with supporting documentation that I requested to be included with my credit report ( s ) ... all 3 agencies either can not read or just plain did not do their job ... none of them fixed the errors or add the omissions that I requested ... there were partial fixes ... but between the 3 agencies I had items removed and added that were completely contrary to my requests ... I am not even talking about any creditor information ... I am taking about personal information errors ... I am beyond frustrated ... I am ... excuse my language ... XXXX well XXXX off ... my credit was ruined thanks to my ex husband and now I can't get the credit reporting agencies to fix simple errors and omissions ... I am trying to find a place to live after being homeless for over a year and I am XXXX years old and XXXX ... I live on XXXX but I finally received my XXXX XXXX XXXX in the county in which I live after waiting almost 4 years to get it ... I spent a nice chunk of change printing and copying everything and then paid to send it all 2-day priority mail ( that was another nitemare cuz nothing was delivered on time but the USPS only guarantees XXXX XXXX  but failed to inform me of that ... even tho I told them I needed everything delivered asap ... and paid for a signature on delivery ) anywho ... I have no idea where to go from here ... I bent over backwards trying to get what I could corrected to absolutely no avail ... on top of that ... I am supposed to be able to view my free credit reports from all 3 credit reporting agencies ... online ... weekly ... Experian says I can only " refresh '' my report every 30 days and XXXX  does not have online viewing ... they expect you to print and complete out a form and then mail the form and a bunch of stuff to them ... I just freaking did all that ... something seriously needs to be done about these agencies ... they hold way too much power and are not being held accountable for the accuracy or inaccuracies in their reports ... I would also like to know who to contact or how to go about requesting that divorce decrees be included and be honored by the credit reporting agencies ... my ex husband is legally responsible for about 95 % or more of the bad debt items included in my reports ... but all I can do is write up a Consumer Statement only to have all 3 of them completely ignore it ... in the meantime I am stressed completely out because I am freaked out that I wont find a decent place to live because of my poor and very risky credit score ... I am at my wits end ... please HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not had or used a PIN number for my EDD card, possibly ever and at least in 5 years. On XX/XX/20 there was a {$1000.00} cash withdrawal from a XXXX in XXXX, CA. On XX/XX/20 cash withdrawal of {$1000.00} in XXXX, CA, XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA and on XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA. I reported it Several times and my claim ( cot wlaim # XXXX ) was denied, I requested appeal after appeal, I have been given the run around by BOA & they denied my claim. I have never been to this locations & my card has been in my possession at all times. I do not use the card to withdraw cash only for bills and groceries/gas. My card has been frozen since early XXXX, that they will not speak to me & to contact EDD. I have heard nothing from EDD. The only paperwork from edd has been a verification of my identity, which I signed & sent back to EDD. EDD has not frozen my account or contacted me about it, but BOA refuses to answer any questions, I rely on this money for food, electrical bill etc for me and met XXXX  small children.
Product: Mortgage

I supplied my information for a new Heloc application with Bank of America, I advised that the reason for the application was that I just completed a refinance and my existing Heloc with Bank of America was part of the closing requirement to have closed. Both my wife and myself have credit XXXX, enough equity to qualify as we had an existing one with the bank. I was asked after the application was submitted and they ran credit, to send additional documents for the final closing and was verbally told it was approved. I sent income and other personal information. A few hours later I was called and advised that because I no longer have my first mortgage with the bank, they declined me. I was not only confused on why they would initiate a credit application when I advised them I dont have my first mortgage with Bank of America, they agreed to reverse the hard credit pull, still pending a letter that shows that it was reversed. I also asked since they took the application and ran credit, to provide a decline letter. I thought this is my right, I have not got a decline letter. I am asking for 1 ) A letter showing the credit correction and that they have updated the credit inquiry from a hard hit to soft hit or full removal. 2 ) I am asking for a decline letter showing reasons as I thought not only is my right to have the reasons, it would be out of compliance to take my application and not tell me the decision in writing.
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 Account # XXXX, XXXX Account # XXXX, XXXX Account # 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

o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!
Product: Debt collection

I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.
Product: Vehicle loan or lease

I bought a XXXX XXXX in XXXX. In XXXX, I had problems paying the note. The original loan holder sold my debt to a debt collector. Isn't it against the law for a finance company to give your social security, name, address and loan information to another party without your permission?
Product: Debt collection

In XXXX they just posted a collections account from Zions Debt Holdings for {$1800.00}. 
It says it's from XXXX for XX/XX/23. I have told them all that this account is not mine and have never had an account with XXXX. I have requested proof that this account is mine. No-one is responding and XXXX refuses to remove it from my credit report.