23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Andreu , Palma , Lavin & Solis , PLLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fraud Account Information Company Name : Andreu , Palma , Lavin & Solis , PLLC / XXXX XXXX XXXX file number : XXXX Fraudulent original account number : XXXX XXXX Account : XXXX Fraudulent Balance : {$4900.00} Alleged Original Creditor : XXXX I have never had any relationship with the company with Andreu , Palma , Lavin & Solis , PLLC XXXX XXXX XXXX XXXX XXXX. 
This account is not mine. Fraudulent account was established using personal identification without my authorization. 
This account is the result of identity theft. 


To whom it May concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with Andreu , Palma , Lavin & Solis , PLLC XXXX XXXX XXXX. 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 notify Andreu , Palma , Lavin & Solis , PLLC XXXX XXXX XXXX and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commissions 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 document related to an account if the victim asks. Please send me copies of all records relating to the account, 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 : Inform Andreu , Palma , Lavin & Solis , PLLC XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

The XXXX currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no XXXX XXXX XXXX associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The XXXX  XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within XXXX  days of this letter, legal action will be initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apply for a loan arm XX/XX/2018 credit report should only been pulled once and was pulled three times Ace Cash Express
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute Regarding Inaccuracies, Late Payments, Fraudulent Accounts, and Request for Remedies Dear [ Credit Reporting Agency Name ], I am writing to dispute several inaccuracies and legal violations on my credit report as maintained by your agency. These errors and violations have caused significant harm and distress. Below, I have detailed the specific discrepancies, along with the applicable legal statutes, and included exhibits for your review.

-- - # # # **Disputed Items** # # # # 1. **Incorrect Personal Information** - **Issue : ** Inaccurate name and address listings.

- **Violation : ** Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ).

- **Details : ** - Incorrect names reported : " XXXX XXXX '' with multiple variations. 
- Incorrect addresses listed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and variations. 
- **Exhibit : ** A # # # # 2. **Late Payment Reporting Errors** - **Issue : ** Late payments inaccurately reported. 
- **Violation : ** FCRA 15 USC 1681s-2. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : XXXX late payments misreported. 
- XXXX XXXX XXXX  ( # XXXX ) : XXXX late payments misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX late payment inaccurately recorded. 
- **Exhibit : ** B # # # # 3. **Fraudulent Accounts** - **Issue : ** Fraudulent accounts opened without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX # XXXX ) : Unauthorized account with past due payments. 
- XXXX XXXX XXXX XXXX ) : Fraudulent activity reported. 
- **Exhibit : ** C # # # # 4. **Unauthorized Credit Inquiries** - **Issue : ** Unauthorized hard and soft inquiries conducted without my consent. 
- **Violation : ** FCRA 15 USC 1681b, 1681q. 
- **Details : ** - XXXX XXXX XXXX XXXX  ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXXl ( XX/XX/year> ) - **Exhibit : ** D # # # # 5. **Re-aged Accounts** - **Issue : ** Re-aging of closed accounts to extend derogatory reporting periods. 
- **Violation : ** FCRA 15 USC 1681c ( a ) ( 4 ). 
- **Details : ** - XXXX XXXX XXXX XXXX XXXX : Re-aged account. 
- **Exhibit : ** E
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX 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 These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

On XX/XX/XXXX The Home Depot account was paid in full ( see attached ). A late payment hasnt been reported since XX/XX/XXXX ( see attached ), after paying in full theyve added a late payment for XX/XX/XXXX. This is totally unethical, immoral & should not be reporting late. I attempted numerous times to contact THD to settle this debt and it took a month to get ahold of someone to take care of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted a copy of my police report to Experian and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of Experian processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX  XXXX  I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.
Product: Debt collection

The debt collection company Kehoe Financial is seeking to collect debt on behalf of the XXXX XXXX XXXX, XXXX, for a traffic violation that I committed on XX/XX/XXXX, while I was driving a rental car in XXXX, XXXX. Per Italian law, police must notify the rental car company within 90 days of the offense to send the name of the renter to the policy. The rental car company must give renters information to police within 60 days of receiving a notice. 
From the date police receive information on the renter who committed the violation ( 150 days would be absolute max, assuming everyone took the maximum time allowed ) the police/municipality of jurisdiction have 360 days to notify the driver ( me ). 
The offense date was XX/XX/XXXX. I add 150 days for police/rental company back and forth leads to a date of XX/XX/XXXX. Adding 360 days to that is XX/XX/XXXX. The municipality is required by law to mail notification of traffic fines via raccomandata i.e. certified mail. They therefore would have the tracking and receipt that the notification was deliver to my address by XX/XX/XXXX. 
If Kehoe Financial can not provide evidence that the XXXX XXXX XXXX delivered the fine to me by XX/XX/XXXX, the debt that Kehoe Financial is attempting to collect on behalf of to the XXXX XXXX XXXX is invalid as they missed their 360 day notice deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine
Product: Credit card

I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected.
Product: Debt collection

I just received a call at my office from Synchrony Bank in an attempt to collect a debt from a XXXX ( I am guessing at spelling of name. We get these calls all the time at our home and now I am getting them at my office and no matter what we tell them we continue to get called. My wife and I have been married 21 years and have had the home number of ( XXXX ) XXXX for that entire time. I have had the office number of ( XXXX ) XXXX for at least 5 years and there is no way these numbers ever belonged to XXXX XXXX. Getting the calls at my home is annoying enough. Now we are getting them at my office!!!!! 

XXXX of the collectors indicated the debtor had used our phone number. This is not true, they were phishing in an attempt to collect the debt and have harassed us every since.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth
Product: Student loan

Mohela has taken over XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Mohela has STILL not certified my payments made to XXXX XXXX prior to XXXX taking over in XXXX. I contact XXXX XXXX and they informed me that all payment information was sent to XXXX and Mohela. 
Because of the NEW PSFL rules, I currently do qualify for forgiveness, but this must be done before XX/XX/XXXX. 
It is obvious to me that Mohela is attempting to postpone the certification of older payments until after the deadline in a effort to prevent my loan from qualifying for XXXX. 
I know there are many others out there with the same problem and I bed the government to get involved and force these companies to comply. 
Unfortunately my old student documents were in storage during and were lost in California wildfires. I am now unable to get copies of these old documents. 
I hope any one else with this issue will contact CFPB. 
Thank you.
Product: Mortgage

I have had a HELOC with Bank of Hawaii since XXXX of 2019 and they wont send neither my mortgage statements nor my end of the year mortgage interest statements for tax purposes. Its been almost 4 years of phone calls to their listed numbers and several in person visits to the XXXX and XXXX bank branches requesting my statements with no results so far I even switched delivery address at their request even though I get all of my mail to the previously provided po box with no issues. I even get Bank of Hawaii mail offers to enroll in Hospital Insurance and Change of Address notifications. I am attaching photos of the above mentioned documents to prove that Bank of Hawaii has the correct address. 
It makes no sense to me that they wont send me my HELOC statements but they send me other correspondence. 
I strongly believe Bank of Hawaii is not following Federal regulations regarding mortgage lending and its incurring in unfair lending practices that affect me as a consumer. 
In case you need to know, the last person I spoke to over the phone is XXXX XXXX and hes a supervisor for Bank of Hawaii. He told me to contact him at XXXX if I didnt get my statements in the mail by XX/XX/XXXX which I tried to do but the number he gave me is not a Bank of Hawaii number. 
Be advised that the account number given in the next step is my Bank of Hawaii checking account number since Bank of Hawaii wont provide me with any documentation related to my HELOC, I apologize for the inconvenience. 
Please help me with the above mentioned issue since Bank of Hawaii keeps giving me the runaround. Imagine that I dont even have any paperwork to provide proof that I have been fulfilling my part of the contract. I dont even have my HELOC number, payment history, remaining balance, etc.
Product: Debt collection

Keep getting repeated from this caller and has been this way since XX/XX/2018. I don't have any debts and I pay all my bills. So, either their trying to place a debt from maybe a family member on me, also known as 'skip tracing '.
Product: Credit reporting or other personal consumer reports

There are no derogatory items yet the report on annual credit report has a number 1 next to potential negative accounts.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Mortgage

We have applied to Citi Bank Mortgage at least 3 time to refinance our loan and take some cash out. Citibank ask us to close several other accounts which we did, fax document after document and then later deny our request yet would not provide an explanation. They always send us a letter referring us to one of the credit bureaus. 
Our mortgage has been with Citi for over 10 years but they can never give us the respect of an explanation or reason for the denial. They would constantly call or email with their many demands for many forms and documents, yet when it 's time to hear the results and reason it 's always a voice mail. To me that is very disrespectful I think this is discrimination and need to be addressed.
Product: Debt or credit management

I asked the company MoneyLion to provide me the debt of {$38.00} and have yet to send me anything. The account has been closed since XXXX  and yet they still reporting as current late payments every month despite account being charged off. The original company had a tax break therefore I no longer owe them any money. Again The account is closed and charged off therefore they need to stop reporting current late payments on my credit report if account is charged off and has been closed nearly XXXX years now.
Product: Student loan

I have a federal student loan from XX/XX/XXXX, and no matter how much I pay, I ca n't seem to get this loan paid off. In XX/XX/XXXX it was for {$31000.00}. I graduated from the program ( it was a graduate program ) XXXX years later, and began to pay the loan. In XX/XX/XXXX, I was home on XXXX and since I was working XXXX meant no income. I made arrangements for a forbearance. At no time was there any mention of increased interest or fees. However, when I began to work full time again in XX/XX/XXXX ( I actually began to teach as an adjunct in XX/XX/XXXX, but the pay was very low ), I began to make full payments again, and that was when I saw that my loan had ballooned to {$38000.00}!. I have been paying more than the monthly amount for years now, and the loan reduces very slowly. It does n't seem correct that after all this time, I am still paying this loan back in XX/XX/XXXX. Please look into my situation and see if something is incorrect. Thank you!