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

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on XXXX  in place of filing a police report.
Product: Credit reporting or other personal consumer reports

I have been in contact with Transunion for several months, seeking the removal of inaccurate information listed on my consumer report. Despite my consistent efforts to resolve this issue, XXXX has repeatedly failed to conduct a proper investigation as required by law. Instead, I have been met with stall emails falsely stating that I am not the one submitting these letters, despite providing proof of my personal information. 

Since XXXX, I have received several stall responses from Transunion, all of which have hindered the resolution process without addressing the inaccuracies in my report. Attached are the timelines of all the letters I have sent and the responses I have received from XXXX. 

I appreciate your assistance in this matter and look forward to your help in achieving a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX TRUIST XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

I was contacted via mail XX/XX/19 by Midland Credit Management. The letter stated MCM was seeking legal action against me for an unpaid debt of XXXX dollars from XXXX XXXX XXXX. I have never been associated with XXXX XXXX XXXX, so this debt is not mine. I called to confirm this with MCM, and they asked for my birthday and the last 4 digits of my social. When I supplied both, they confirmed my information did not match the name they had on file, and stated it must have been a mistake ; my name just happened to be the same as their records. I asked them to take me off their contact list. They said they would. The next week I received two more identical letters. Calling does nothing. They repeat that the debt accusations are a mistake, yet they send threatening letters that claim legal action. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FOXCOLLECENT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), balance is {$390.00} and account # XXXX
Product: Debt collection

in accordance with the Fair Credit Reporting act Merchant Adj XXXX account number ( s ) : XXXX, and XXXX. Has violated my rights. 

15 U.S.C 1681 section 602A. 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 written instructions.
Product: Payday loan, title loan, or personal loan

on are about XX/XX/2020 I reach out to mintomoney to see if I can get a increase my loan amount .I was told even though I have made 4 payments of XXXX that I've only paid. XXXX cents on 1 payment XXXX cents on another payment and XXXX cents on another. I stated That they have tooking a XXXX out of my account. and I have not even paid back XXXX on a XXXX dollar loan they told me no I haven't my loan is for 40 months doing the math I will be paying XXXX on a XXXX dollar loan I said that's loan sharking and I was going to report them .So here I am willing to pay back the loan but not XXXX for XXXX dollars
Product: Debt collection

XXXX  has been harassing me, my kids and family for the past two years now a company named XXXX XXXX bought the loan they have called family and other people I havent spoken to in years stating I owe them money. They have had people call and come to my place of work threatening to know where I am. The final and worst XXXX that they have done is call my children stating they better tell them were I am. My children!!
Product: Credit reporting or other personal consumer reports

TransUnion still did nothing after numerous attempts accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose Since I contacted CFPB they refuse to let me dispute anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX   I filed a complaint on   XXXX   XXXX  . The company has refused to verify and information regarding a debt that is claimed to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information. One rep advised me that   XXXX   XXXX    can electronically share any balance to the credit bureaus and I should stol calling because they can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just " suck it up and pay it, even if its not yours '' i have attempted to get assistance from all three credit reporting sgencies. Transunion,  XXXX , and  XXXX  however I have not received a resolution.   XXXX   XXXX   has not reaponded to a complaint submitted on   XXXX   XXXX   and they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form i

s issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, my wife and I was told by my account manager at XXXX  XXXX that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. 

Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. 

Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. 

We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. 

As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX  as of XX/XX/XXXX and this was requested by XXXX XXXX XXXX XXXX The Investor request. 

As of XX/XX/XXXX to date since we are consistently being mislead we are asking for CFBP to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to XXXX.
Product: Credit card

Dispute-and have the bureaus correct and delete-information in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not XXXX XXXX accurate. 
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate. The payments have been on time. 
XXXX Account XXXX : SAMPLE**** Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate. The payments have been on time. 
XXXX Account XXXX : SAMPLE**** Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX I turned in my XXXX XXXX XXXX leased from XXXX XXXX prior to my lease termination date of XX/XX/XXXX. The vehicle was clean, free of damages and was serviced according to my lease agreement. My mileage at the end of the lease agreement was XXXX miles. I contacted XXXX XXXX about my end of lease options and was informed I would receive this in the mail. Upon my receipt of the billing I called XXXX about forgiveness of the end of lease fees since I turned the vehicle in early and they said they couldnt don anything about the end of lease cost even though they got the vehicle back early and I paid the final XXXX payment due on the vehicle. I even inquired after the pandemic struck the USA would they work with me to forgive the end of lease fee they refused. It appears at the end of XXXX they offered me to pay a lesser amount than the original {$400.00} they requested after I asked again to be forgiven the end of lease fees. I had been having some financial struggles and also dealing with XXXX  for XXXX XXXX and subsequently XXXX  XXXX to my XXXX XXXX. I felt that XXXX was not fair in their dealings with my request especially when they got the vehicle 30 days early and I paid the last month lease agreement of {$510.00}. Subsequently they sent my end of lease payment to XXXX a collections agency for the {$400.00} end of lease fees and reported a charge off to the credit bureaus saying I refused to pay the end of lease fees which was not factual as I had been in contact with them as agreed in my prior communications up until XXXX when I went to NY to deal with my XXXX  in my XXXX  resulting in XXXX. Now that Im home I contacted XXXX  asking them why they reported a charge of to the credit bureaus damaging my credit unfairly when I had communicated with them throughout XX/XX/XXXX to XX/XX/XXXX. I also paid XXXX the credit collection agency {$300.00} based on an agreement around XX/XX/XXXX. I only found out about the charge off because I was now able to purchase a vehicle after getting out of debt since the pandemic and did not repurchase from XXXX because of XXXX  poor customer service with my end of lease treatment.upon further reviewing their site I found this on their website dealing with end of lease options. Furthermore All my payments to XXXX were never delinquent that required my being reported to the credit bureau so why would I mess my credit at this juncture. Please see attached documents to support my claim.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Coinbase blocked me from my account. I got message the trust score was low. They advice was to deposit add 3 % of all my funds ( {$50000.00} ) to raise up the trust score which I did and my score went up. Unfortunately, Coinbase reported me to XXXX control team with not giving me reason and explanations, and I lost contact with Coinbase support completely. My all accounts are being blocked Coinbase, XXXX, and XXXX. PLEASE help me to resolve this matter as I'm completely without funds.
Product: Student loan

I was on the Income Base Repayment Plan ... my monthly payment was {$69.00}. After reapplying for the IBRP my payment increased to {$230.00} ... as a teacher this new payment was not in my budget. I could not make the payment the first month ... when I called to ask about why the payment increase I was told that in order to avoid being sent to collections that a forbearance was my only option. My balance was finally below {$100000.00} prior to this phone call ... I received the new document outlining the new terms and was absolutely astonished to see that they added {$47000.00} increasing the balance to {$140000.00}. It is outrageous that XXXX missed payment of {$230.00} would end up costing me {$49000.00}.
Product: Debt collection

Original order for the XXXX XXXX XXXX XXXX XXXX was made XX/XX/XXXX, a shipping notification was sent to meXX/XX/XXXX but I did not receive any package.

I found out a week later that XXXX  delivered the item ( Tracking # XXXX  ) to an access point at XXXX XXXX  onXX/XX/XXXX.

On XX/XX/XXXX, I picked up the equipment at the XXXX XXXX XXXX. Equipment was not unable to be installed as the apartments wall jack for cable was concealed with paint and can not be fixed. Equipment was then returned to the XXXX  store unused on XX/XX/XXXX ( Tracking # XXXX ). I made another phone call to XXXX XXXX XXXX for cancellation confirmation ( Cfm # XXXX  ) and dispute past statements. Representative named XXXX confirmed that no payment was needed and it will take 7-10 days to process documentations/letter. I received XXXX XXXX XXXX survey in regards to cancellation request onXX/XX/XXXX but then a letter stating that a final bill was sent with the balance due of {$220.00}. Noticed a collection notification from a company called XXXX  on XX/XX/XXXX, I therefore called XXXX XXXX XXXX again XX/XX/XXXX to file another complaint, representative named XXXX  advised to wait for final bill as it was never send out and advised me to wait. I never receive a formal final bill but multiple collection notifications from a company called Diversified ( Dated XX/XX/XXXX andXX/XX/XXXX). I checked my credit report and noticed a " collection '' status. I filed a dispute online with Diversified XX/XX/XXXX but did not hear hearing anything nor confirmation email.
Product: Debt collection

Company continues to report balance owed however I sent a debt validation letter over 30 days ago and received no written notification back or a contract from the debt collector showing how I owe this bill. The amount of the debt is lowering however I am not making any payments on this account as I have no information about the account. I have disputed this account with the credit bureaus and it keeps coming back verified however no information has been provided on how this debt is actually valid and how does this debt belong to me.
Product: Debt collection

Subject : Urgent Request for Removal of Unauthorized and Unverifiable Item from Credit Report Dear Paramount Recovery Systems, I am writing to express my deep concern regarding the unauthorized reporting of items on my credit report by your agency. I have never provided consent for Paramount Recovery Systems to access my credit report, and this infringement on my privacy raises serious concerns of identity fraud. I want to emphasize that even in cases of permissible purpose, the consumer 's consent is paramount, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) ( B ). Additionally, Georgia state law, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), requires consumer consent for such activities. I have not granted permission for the inclusion of this item within my consumer profile, rendering the reported item unverifiable. I demand the immediate removal of this unauthorized and unverifiable item from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and relevant Georgia state laws. I assert my right to have this matter resolved within 30 days from the receipt of this complaint, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ) i ) and corresponding Georgia statutes. Failure to comply within this timeframe will be considered willful noncompliance, in violation of FCRA Section 616 and Georgia state law.

Additionally, I request that Paramount Recovery Systems provide a written document from me, the consumer, that explicitly grants permission for your agency to access my consumer profile, as required by FCRA Section 604 ( a ) ( 2 ) ( A ) and Georgia law. This document should be submitted promptly. I trust that you will address this matter with the urgency and seriousness it deserves, in compliance with both federal and Georgia state laws. I appreciate your prompt attention to this issue and expect a resolution within the stipulated timeframe. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I have sent XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate bankruptcy report immediately.