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

I have been a victim of identity theft and this fraudulent capitol one account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with capitol one. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage
Product: Mortgage

Hi! Thanx for this opportunity. The company AAG ( and its servicing office Reverse Mortgage Servicing Department are not responsive to a simple request for an account statement. The company does not offer on-line access despite the fact that assurance was given from the first moment of the application process through closing. The company and servicing center give inaccurate information, conflicting information from many representatives, does not returns calls as promised and has no way to request an e-mail with an account statement without up to a ten-day delay. I have spent over three hours on the phone attempting to secure a statement. I have no options remaining and wish to file a complaint about both offices. Please let me know how to proceed. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was made aware of two accounts reflecting badly on my credit report. The accounts are from these companies XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. The reason these accounts were brought to my attention is because I applied for a XXXX XXXX  credit card and I was denied due to these accounts. Neither of these accounts belong to me and I did not allow anyone to open them in my name. I did not get anything as a result of these accounts being opened in my name without my permission such as money, goods, services or any other benefit and I never took part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with either of these companies and I never authorized them to run or access my credit information. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 15 ) years. 
My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX, OH XXXX and I have resided here for 15 years All other addresses are not accurate, please remove them immediately XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My current telephone number is : XXXX Please remove all other numbers IMMEDIATELY, they are not accurate. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint to CFPB Case XXXX. The individual from Synchrony Bank who handled my case was XXXX XXXX, Senior XXXX. I was a victim of an armed robbery and a series of subsequent fraud attempts on my card on XX/XX/, 2022. The card number at the time was XXXX. My current card ends in XXXX. 

After waiting for two weeks using the CFPB complaint service, I received a letter ( attached to this complaint ) stating that I need to have the detective email the Bank. The complaint has since been closed after that response. It has been over a week and counting since the detective sent the email on my behalf. This will make it three weeks total in addition to the months in which I've already been requesting this information through email, phone, and the CFPB. I don't want to continue delaying my request for information to receive key information that can lead to an arrest in the case. I should've had this information months ago. 

I don't appreciate having to hound the Bank 's fraud team for over a year for information on behalf of my personal protection as their client. Every attempt of communication in most cases has been some form of cop out to not serve me ; and it has accumulated to a year worth of fruitless outcomes. 

I am requesting all identifiable information related to three transactions ( two XXXX, one from XXXX ) made on XX/XX/2022, shortly after the armed robbery and assault. The screenshot of the text is also attached. IP addresses, locations, items attempted to be purchased, address ( for XXXX transaction ), and all other relevant information to the extent possible would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this debt is over seven years old since it was delinquent. It needs to be removed from my file
Product: Credit reporting or other personal consumer reports

This is now my THIRD time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted XXXX multiple times informing you of this, and you too have failed to verify these inquiries XX/XX/XXXX XX/XX/XXXX Both from capital one and only being reported through XXXX and on none of my other reports. Which is also inaccurate.
Product: Debt collection

In XX/XX/XXXX, United Student Aid debt was clearly discharged in a bankruptcy order. So was XXXX XXXX XXXX. This year, XX/XX/XXXXthey took my Federal & State taxes in the amount of {$830.00} AND last year, XX/XX/XXXXfor {$940.00} totaling {$1700.00}.

After getting a recent offset letter, ( XXXX ) last week, I called the XXXX XXXX who directed me to contact United Student Aid/XXXX, who is the creditor ( XXXX ). I was directed to XXXX XXXX, who I was told services the account. ( When I heard " XXXX XXXX '', I had recalled that XXXX XXXX also recently sent me a letter about this same debt ( ACCT # XXXX ), to which I immediately responded " discharged in bankruptcy '' and provided the docket number. XXXX XXXX asked me to forward a copy of the Order via email, which I did on XX/XX/XXXX. Today, XX/XX/XXXX, I called XXXX XXXX to follow up and was advised their systems are now showing a XXXX balance. Agent suggested that I follow up with United Student Aid to see what shows up on their end. I called United Student Aid again. XXXX, who now says their systems are not able to see a current balance as this matter is in Bankruptcy. I was now directed to XXXX, which is what Im told, they Bankruptcy department, named XXXX XXXX. They said they see an " active '' bankruptcy, to which I reminded them was NOT active. It actually is a discharged debt that was wrongfully offset from my taxes. I asked about what happens with my money. I received NO ANSWER. I was told that they have to send this out to another " servicer '' and that can take 30-90 days to find out WHO is going to service this. Meanwhile, United Student Aid took 2 years of my taxes AFTER they were clearly discharged. This year for {$830.00}, and last year for {$940.00}, when they weren't supposed to. Also note, that directly after the stay I was receiving collections notices, to which I quickly responded with " in bankruptcy '' along with the docket number. They clearly ignored same.
Product: Debt collection

Dear US Dept Of Edu and Mohela : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX ( MOHELA ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX  it was brought to my attention that there was a plethora of fraudulent information being reported on my consumer report with Experian. I have taken liberty to file an identity theft report ( Report # XXXX ) for fraudulent activity noticed thus far. I am filing this complain because Experian has been reporting fraudulent information to my consumer report for quite some time, and has made no attempts to rectify the adverse actions taken against me.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a debt collection agency, has improperly furnished the credit file without debt collection notice being sent prior. The collection agency in this dispute has sent several debt validation letters and has refused to honor prior disputes through Equifax. The collection agency has been notified that the collection account is in litigation .... As advised a debt collection notice and debt validation letter are completely different in their entirety. XXXXXXXX XXXX XXXX can not collect on a debt that I have not verified the accuracy of first, by way of receiving a prior Debt collection notice first. The law advises 30 days is granted. Attached to this dispute I have notified, XXXX XXXX XXXX XXXXXXXX ; CEO in an email, dated, XX/XX/year>. After the collection agency has verified disputes of this matter to the credit file avoiding there violations of " NOT SENDING A DEBT COLLECTION NOTICE ''. I am requesting information furnished to the credit file in regards of this account reported without abiding by FCRA and FDCPA to be deleted.
Product: Debt collection

I am writing to address the urgent matter of fraudulent accounts on my credit report. Upon reviewing my report, I discovered unauthorized accounts under my name, opened without my consent or knowledge. This breach of my financial security demands immediate action XXXX XXXX
Product: Student loan

On XXXX XX/XX/XXXX my loan servicer ( MOHELA ) informed me that the US Dept. of Education approved IDR loan forgiveness for all payments made since XX/XX/XXXX. The total amount of these payments is {$76000.00}. 

On XXXX XX/XX/XXXX I received an ACH transfer to my bank account for {$5000.00}, and on XXXX XX/XX/XXXX I received a US Treasury check for {$8100.00}. That is all I received, leaving {$62000.00} that is still owed me. 

Since XX/XX/XXXX I have called MOHELA 2-3 times per month asking for an update ; on XXXX XX/XX/XXXX my case was " escalated '' to their Resolutions department. Despite that, I have had no outreach from them and every call to them yields no new information. 

I need them to take a look at this account, process the refund, and inform me.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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

FOUND XXXX INQUIRIES ON MY REPORT THAT I DON'T RECOGNIZE
Product: Debt collection

repeated calls to family members and my Job saying I have been charged for fraud and will be arrested, some at early hours of the day.
Product: Checking or savings account

Hello my name is XXXX XXXX, and this complaint is regarding Bank of America. 
My address is - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I can be reached at ( XXXX ) XXXX / XXXX Please, help me with following two issues. 

1 ) In XXXX BOA levied my BOA checking account for {$12000.00} due to faulty IRS overestimation of my income- I sold my assets back to the corporate but it was accounted for as commissions earned. 

2 ) In XXXX BOA XXXX branch in XXXX XXXX CA, refused to cash my check despite more than enough proof of identification. The branch manager told me the bank will need to call the police for further identification. It was a Saturday morning and the lobby was crowded with about 75 customers. Upon arrival of the police, I was placed under arrest and everyone in the lobby thought I was some sort of a fraud or a bank robber. As a result I had to stop working because of the rumors that spread since the arrest at the bank, and my reputation is still to this day beyond recovery making it impossible for me to work. At the time of the arrest there were people who knew me and what I do for living. Since that arrest I became unemployed and homeless for about 6 years. 
A few years ago about XXXX I filed a federal consumers complaint to Washington DC about this incident and BOA legal Department responded to me with a letter stating that BOA would pay me a settlement ( CASE # XXXX ). However, I have tried everything in my power to reach the department that was handling my cases but no one ever responded back and I still have not received the settlement from BOA. Its been like 7 painful years and I'm afraid I might never recover from this traumatic incident. The following is an email I received from BOA. 


Enterprise Resolution XXXX XX/XX/XXXX, XXXX XXXX  to me Dear XXXX XXXX : Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns.

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday to Friday, XXXX XXXX XXXX XXXX XXXX Eastern. 

I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX, Extension XXXX XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message.
Product: Debt collection

The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX  XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.
Product: Student loan

Performant Recovery called me on behalf of the Florida Department of Education because I was behind on my loans. The lady, XXXX XXXX, told me that for my {$8000.00} student loan balance at 8 % interest, she was offering me the following : - {$100.00} to get started- {$10.00} a month until the loan was paid in full, and- that they would report to the credit agencies that I was paying as agreed. 
I asked several times to make sure that I had correctly understood this too-good-to-be-true scenario. 

Instead, they charged me the initial {$100.00}, plus {$100.00} a month. Further, when I received the contract, it said that the monthly was {$100.00}, that the interest was 18 % and would go to 24 % after the first 10 months, and that they would n't report it to the credit bureau until it was paid in full. 

Going directly to the Florida Dept of Education, I 'm {$58.00} a month for 10 years. Interest charged is at 8 %. They do n't report anything except balance due to the credit bureau. 

Be careful with Performant Recovery and others like them. The situation was n't a misunderstanding ; it was downright deception.
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 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, 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 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, credit repair services, or other personal consumer reports

As of today, at this time, the initial delinquency date is missing and the account type is wrong on the entry reported by Rent Recovery Services, an XXXX, Georgia based collection company. 

Let me repeat, on my XXXX report, it is missing the initial delinquency date and the account type is wrong. 

This complaint addresses those two inaccuracies on my XXXX credit reports as of today. 

Furthermore, I am providing to you a copy of the creditors chart of accounts that prove to you that the one and only first delinquency date is XX/XX/XXXX ( XX/XX/XXXX ). 

This data can be verified simply by looking at the attached documents and On page 4, if you can actually make heads or tails of this Clearly manipulated ledger, look at the right Dark Red box and it clearly and simply shows and proves thar the initial delinquency date is in fact XX/XX/XXXX. XXXX. 


But, keep in mind, rent recovery solutions, the bogus creditor, would like for to believe that the initial delinquency date of the XXXX XXXX storage is XX/XX/XXXX ; ladies and gentlemen, 13 months later than the true default date, rent recovery has knowingly, willfully, and maliciously reported that the initial default date is XX/XX/XXXX, even though it proves with their own ledger signed and emailed you me from rent recovery solutions. 

There are many reasons for them to break the law and inaccurately report data as they did to me for 7 years and counting. 

And it can be supported by their actions even when I brought it to their attention going back years, they Have rejected every dispute that I have filed for their mistake, And refused to correct same at anytime And now 7 years later, they removed the date of first delinquency date recently further leaving my Credit file even more incomplete with missing data required to be reported by them. 

See, this is a pattern of behavior that is illegally on the state and federal level, and the moment years and months ago when I tried to cordially converse with them and they hung up the phone on me several times. 

There is a Georgia Attorney General Complaint that we are filing soon after this and seeking attorneys for a potential class action law again rent recovery services so we will talk to high later.