23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

REGIONAL ACCEPTANCE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you REGIONAL ACCEPTANCE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : REGIONAL ACCEPTANCE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My wife and I did a federal student spousal consolidation loan in XXXX. We have been XXXX XXXX XXXX XXXX XXXX XXXX We enrolled in PSLF and was told we met XXXX out of the XXXX required payments and we received a letter in XXXX of XXXX indicating our loans were forgiven. However, only a portion of the loans were forgiven. After several months we were told that my wife had to submit her PSLF paperwork ( employer eligibility as well ) Originally we were told we did not have to submit hers as well, just mine. This was done. We heard nothing for XXXX months to only find out that her forms were rejected because her employer signed the form with a digital signature. This was corrected immedicably and the forms were resubmitted. Mohela kept canceling the forms. She submitted them through my Mohela account which we thought was for both of us. Finally Mohela said that my wife had to have her own account. She set that up but then was not given the option in her account to submit the PSLF forms. There was not even a tab. She checked the XXXX site and that site shows her balance is XXXX. 

We are now both getting late notices. We were supposed to be put into XXXX XXXX until all this got worked out. We were told repeatedly by several customer serves agents this would happen. It did not. We are now getting late notices on loans that were at one time forgiven and we are enrolled in the PSLF program and have made XXXX out of the XXXX required payments. Our credit went from XXXX to XXXX. Also the credit bureaus are still showing the full balance as being owed not just the part that was forgiven. Also my wife and I were under a XXXX  XXXX bankruptcy and under our payment plan, {$28000.00} was paid to direct federal student loans. That amount was not deducted from our loan amount. Where did that money go? 

This has been going on for XXXX years. We qualified for full forgiveness a year ago. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card account XXXX that was opened on XX/XX/2017. I missed payments and it went into delinquency, and XXXX sold this account to a collection agency by the name of XXXX XXXX. I was sued by this collection agency, although I was able to settle the debt with XXXX XXXX, in exchange for removing any bad marks from all of the credit reporting bureaus and also stopped them from taking me to court. I am no longer having anything to do with XXXX, but yet XXXX is still on my credit report, marking my current status as a derogatory account. This is affecting my credit score. I need XXXX to delete the account off from all of the credit bureaus immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account have no original creditor,. not compliance with FCRA
Product: Mortgage

I applied for a VA Loan Modification with my lender First Continental Mortgage Litigation Department on XX/XX/XXXX. 
On XX/XX/XXXX l received a Approval Loan Modification agreement in which the new VA loan modification is higher than the old loan. 
I used to pay {$1200.00} a month than my payments escalated to {$2000.00}. 
Old VA Loan interest rate Was {$880.00} and Principal was {$340.00} with interest rate.at 4.3750 % with No Prepayment Penalty. Old outstanding balance was {$240000.00} New VA loan modification mortgage is {$1700.00} with a interest at 4.125 % with a term of 360 months and with a Prepayment Penalty New unpaid principal balance is {$250000.00} I purchase home on XX/XX/XXXX. 
Why new VA loan modification approved mortgage is at {$1700.00}? 
Does the {$1700.00} includes property tax and Home insurance? 
It appears that lender implemented late payment fees, old property tax debt with new mortgage? 
I am not rejecting the new VA loan modification approved agreement but why l can not get a new VA affordable mortgage under {$1700.00}. 
I am on a fixed income XXXX XXXX Lifetime Pension of around {$3900.00} a month with no Social Security XXXX benefits or compensation.l was denied on social security XXXX. 
I am respectfully Divorced and l live alone in my home. 
I am respectfully a Military Veteran. 
I am on XXXX. 
Notice : I will send verification of lender docs to Consumer Financial Protection Agency by email. 
I have contact President Obama Administration on issues. 
I received VA loan modification approval letter on XX/XX/XXXX.by regular postal mail. 
Urgent Matters.. 
I am a XXXX XXXX XXXX. 
I am enrolled with HOPE HUD Greenpath program Counselor XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I sent XXXX XXXX Peso through World Remit wire transfer. The recipient did not receive the funds in their account. I filed a complaint three times and did not receive a response. The World Remit transaction number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  WOW This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Yet again early in the morning Experian like a thief in the night closes another complaint without addressing the issue and giving explanations that are not even logical
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Mortgage

I bought my home in XXXX. I fell behind in XXXX of XXXX. I do not have a deed recorded in my county. I have sent my lender a qualified written request requesting information about the origination of my loan. I sent the qualified written request on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they are refusing to answer. I would like information regarding the origination of my loan and chain of title. Thank you.
Product: Money transfer, virtual currency, or money service

Since XX/XX/2022 i have not able to buy or sell because the app tells me that they are doing a manual review and i will not be able to buy and sell untill review ir over
Product: Debt collection

My identity was stolen in two different states four different counties. I have notified the attorney general. I have done tons of paperwork. I have never even heard a value city had to look it up. Its in Ohio. Ive never lived in Ohio and Ive never been to a value city I have reached out to this company multiple times and they just keep sending me the same paper over and over wanting me to pay its almost to the point of harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is terrible to work with in trying to resolve a Freeze. I know at one point I froze my accounts. I am trying to unfreeze to qualify for a mortgage. I have spent the last hour trying to reach someone at Experian. I believe I incorrectly pushed a button and it froze my account. It is not possible to speak with a person. The one time I was able to reach a person she immediately hung up on me. It shouldn't be a multi-day complex process requiring numerous hours to be able to unfreeze my credit report. Someone should be available to help and this should be a requirement by the government after all of the pain the credit reporting services have caused the American Public. These companies are absolutely miserable to deal with.
Product: Checking or savings account

XX/XX/2022 XXXX I called to report fraud and they said they would make me a new account and closed my account for it being negative XXXX. I repeatedly called throughout the month of XXXX
Product: Credit card or prepaid card

I opened this credit card, over a year ago, have NEVER missed a payment, even have insurance, XXXX XXXX XXXX XXXX XXXXXXXX  on XX/XX/2022, I attempted as soon as early XXXX to attempt to make something, anything happen so I can catch up at a later month or anything, even tried to use the insurance, which because I wasn't " fired '' they would not work with me, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I don't get " fired '' all I want is some lienency or some help, not continuous adding to my hardships
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : UNKOWN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX  -- {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency and concern. I have recently discovered that I have fallen victim to identity theft. Subsequent investigations have revealed that three credit card accounts were illicitly opened under my name with XXXX  XXXX XXXX, each bearing substantial balances. 

I have never been a client of XXXX  XXXX XXXX nor applied for credit cards with the aforementioned institution. I realized this fraudulent activity when I sought a loan, only to be informed by my loan officer and real estate agent of these unauthorized accounts. 

I promptly took the necessary steps to address this egregious violation of my privacy and financial security. I have lodged a formal report with the XXXX Police Department, expecting swift action and resolution. It is imperative to emphasize that I vehemently oppose any frivolous reporting of fraudulent or derogatory accounts on my credit profile, especially considering my complete lack of association with XXXX  XXXX XXXX. 

Upon meticulous examination of my credit report, it has come to light that the first unauthorized account was initiated in XX/XX/XXXX, the second unauthorized account was initiated in XX/XX/XXXX, and two additional accounts in XX/XX/XXXX. This unequivocally qualifies as identity theft, as these accounts were established without my knowledge, consent, or any legitimate association with my person. 

In light of the severity of this matter, I would appreciate your urgent attention and assistance in fixing this situation. With your intervention, the necessary measures will be taken to restore my financial integrity and absolve me of any unwarranted liabilities stemming from this malicious act of identity theft.
Product: Credit reporting or other personal consumer reports

Incorrect Addresses, inquiries, collection ( education ) student loans inaccurate. 

Employment : XXXX XXXX VA XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Student Loans : Have been paid in full and should be removed Hard Inquiries : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX/XXXX  XXXX  XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and these came up as hard inquires. Please remove them 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 XXXXXX/XX/XXXX Equifax
Product: Debt collection

XXXX XXXX provided service for XXXX Dues were paid amount of {$80.00} thru my company 's health account. Credit Service Company, XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX sending me notices for dues which already paid to provider.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting credit act account XXXX, has violated my rights.

15 U.S.C 1681 section 602A : states I have the right of privacy.

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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

XXXX XXXX XXXX was deleted on my credit report in XXXX and as of XXXX XXXX 2016, this account was reinserted on my credit report causing a decrease in score and also refelcts inaccurate information. Also a XXXX account for the amount of {$830.00} was deleted then reinsterted again. This has caused signficant decrease in my credit score. I attempted to file a dispute with both XXXX and Equifax and nothing was resolved. I recently called Equifax today XXXX/XXXX/2016 explaining the siutation and nothing was resolved.
Product: Credit card

I have a Bank XXXX XXXX XXXX XXXX. The expiration date is XX/XX/XXXX. Bank of America sent me an email on XX/XX/XXXX that a new card was going to be shipped. That card never arrived and was likley stolen in transit. It was used to make {$3600.00} of purchases at XXXX XXXX, XXXX XXXX and XXXX in Massachusetts and Texas. I live in XXXX XXXX. I do not regular use this card so I caught it about a week later. I filed a dispute with Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America sent the following notice. 

" We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' None this information is correct. There is no PIN since its not a debit card. I could not have been present at either of those locations and a signature is not enough to validate that. I have proof I was in XXXX XXXX at the time of the purchases. The purchases are all for exact dollar amounts of either {$400.00} or {$500.00} which is highly unlikely given they happened in states with sales tax. This is clearly fraudulent but Bank of America does not agree and is telling me their is nothing they can do.