23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company stole my identity and is now collecting on debts. All they've produced is photocopied bills with the address changed which they got illegally through data breaches. These guys haven't been able to produce a SINGLE SIGNATURE ON ANY OF THESE ACCOUNTS. They're even collecting on an account for XXXX XXXX. Who's that? Actually proof that you obtained my information illegally. They are fraudulently collecting on debts. They claim I was informed by the initial creditors that I was notified. They photocopied a letter from the internet and just changed the address on it or they would have USPS delivery receipts.
Product: Credit reporting or other personal consumer reports

This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through Equifax data Breach attached is a copy of identity theft report with all fraudulent inquiries listed Fraudulent Equifax Inquiry XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXXXXX  XXXX and XXXX filed unauthorized action in court on behalf of the XXXX BANKS and XXXX XXXX agency for fictitious loan that was obtained by fraud, identity theft, data breaches and without my knowledge against my property. 

The loan was granted to a person that is not authorized or has been authorized per injunctions against XXXX XXXX in year XXXX. 

The sent loans and information to XXXX XXXX only and he is reported to be in XXXX, according to reports of " service. '' The company disregarded orders showing my sole ownership of property and issued hundreds of thousands in fraudulent loans without my knowledge. 

The fraudster, is unable to be located and both licensed parties have denied victim any protection, restitution or any compliances of orders that CFPB filed on XX/XX/XXXX. All parties that initiated fraud and misrepresentations have not complied with any orders and remain in contempt for nefarious financial means, after the fact and in accessory after the fact of orders of injunctions from CFPB. 

The companies and their influences and worked together under conspiracy obstruction of justice, ignoring orders ( XXXX ) and racketeering financial crimes operation. 

Both parties have worked together to deny victimizations of financial crimes
Product: Vehicle loan or lease

I XXXX XXXX are writing a letter of explanation for the errors that Nissan Motor acceptance group billing department has made on my XXXX. I have made all payments on time and also made large payments that they misplaced and didn't apply accordingly. My credit score dropped substantially I was in the XXXX now am in the XXXX 's also currently are in escrow I talked to numerous amount of staff in NMAC so they can resolve this matter with all credit bureaus and said there not going to. I want them to be held accountable and fix there mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I sent a letter to XXXX, XXXX, Transunion, and XXXX XXXX  regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy. 

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent. 

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7. 

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.
Product: Vehicle loan or lease

I would like for your company to dispute : Only ONE name should appear on all my credit reports that should be XXXX XXXX Old business names Old business bills ( workers comp and general liability bills if there I want removed ) Old addresses ( po box es and physical addresses ) Old phone bills, light bills etc. 
Old phone numbers ( All old phone numbers ) Old email addresses Charged off bank accounts Over past due loans Charge-offs Repossession of one vehicle charge off still on reports Medical bills Student loan evetho are in good standings still have past due non-payments on all three credit agencies Self builder account charge off
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to a debt that has been reported on my credit report. I have made multiple requests for validation of this debt under FDCPA Section 809, but the creditor has failed to provide sufficient documentation to verify the debt in question. 

I will attach the account listed in my credit report that is under dispute. 

I have requested validation of the debt, as required under FDCPA 809, but the creditor has not provided the necessary information or documentation to prove that the debt is valid or that they have the right to collect it. This lack of response and failure to provide adequate validation violates the FDCPA, and I believe that it also constitutes inaccurate reporting under the FCRA. 

As a result of their failure to properly validate the debt, I respectfully request that this account be marked as " disputed '' on my credit report, as required by FCRA Section 623.
Product: Mortgage

XXXX  XXXX entered into loss mitigation program with PNC Mortgage XX/XX/XXXX partial payment was returned. When I asked why they had no idea! I tore up the returned check and they reapplied it to my account. 
XXXX  XXXX completed loss mitigation program with no late or incomplete payments. 
XX/XX/XXXX I contacted PNC to be sure that I should only pay normal monthly mortgage payment. I was informed that I still owed {$2800.00} in fees but have the rest of the life of the loan to pay these and to only pay normal payment. I did go ahead and send a check for half of the amount of the fees ( {$1400.00} ) dated XX/XX/XXXX marked to be applied to the fees. Check was cashed by them on XX/XX/XXXX however, the money was never applied to the fees XX/XX/XXXX found out that my credit report erroneously reflects that I have several late payments XX/XX/XXXX contacted PNC to have them remove the erroneous reports but they refused even though they show that my payments were on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NATIONWIDE RECOVERY SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NATIONWIDE RECOVERY SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

They refuse to work with me on a payment plan that I can afford. The first representative told me I could pay one payment a month, which is XXXX XXXX  a month. Now, they are proposing an amount that I can't afford. I have sent several emails, and they refuse to reply to my request. All the communication I get is about my account being past due as if I am not trying to work with them.
Product: Debt collection

I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX   are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
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 confidential 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 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 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
Product: Debt collection

I requested debt validation via certified mail over 30 days ago and the collection account still remains. They are at fault and must remove the collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 an account without my written instructions.
Product: Debt collection

contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXX  DELETE ACCOUNT XXXXXXXX XXXX XXXX DELETE ACCOUNT XXXX : XXXX XXXX DELETE ACCOUNT XXXXXXXX XXXX XXXX XXXX  DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes.

Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above.

2. Removal or correction of the inaccurate information.

3. An updated copy of my credit report reflecting these corrections.

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies.
Product: Debt collection

See attached. My Discover Card was stolen in 2017. The card was used and then fraudulent payments were made to exceed credit limit. Discover refuses to send transcripts of phone calls and the method of payments used by the crooks. With these items, I can prove that the calls were not me and the accounts used to make payments were not mine. This would also assist me to prosecute the crook. But Discover refuses to send this information and continues to deny fraud and identity theft. And Discover simply states " without new and different information we may not respond to future correspondence. '' Attached is an affidavit that Discover can review and disprove. The affidavit is clear but if the affidavit is not satisfactory to Discover ; I will send whatever they want.
Product: Credit reporting

I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I contacted XXXX that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,
Product: Money transfer, virtual currency, or money service

I own a small amount of bitcoin currency ( approximately XXXX BTC ), and on XX/XX/XXXX, I transferred this amount to my Coinbase.com account 'vault '. On XX/XX/XXXX, ( and again on XXXX XXXX ) I tried withdrawing these funds from my Coinbase vault, but due to a bug or glitch in their website I am unable to do so. I have been emailing their support repeatedly for 3 weeks now with no success. My funds ( worth over {$1000.00} USD ) are stuck in their website, and I have not received any response from their Support since XX/XX/XXXX, despite sending them SEVEN ( 7 ) additional inquiries via email since that date. I have received a total of three ( 3 ) responses from their support, between the dates of XX/XX/XXXX, but these were completely automated and/or boilerplate responses that provided no help whatsoever. I have not received an update or even courtesy response in over two weeks. 

According to their website, the withdrawal from vault process requires two ( 2 ) approvals which are sent via email to the Primary and Secondary emails listed on the account. The problem or glitch in their website is that they have the SAME EMAIL listed for my primary & secondary email addresses ; However, I only receive a single approval email, and thus I am only able to provide a single approval instead of the two ( 2 )  approvals needed. This coupled with their lack of support is completely unacceptable. 

I do not know why they have my same email address listed for both primary & secondary email, nor why that is even possible, and there is no way to fix it or change either address when trying to do so through their website user interface. PLEASE HELP.
Product: Credit card or prepaid card

Hello, I have been harassed for multiple years due to a previous XXXX XXXX XXXX Credit Card account via XXXX XXXX, closed in XXXX. I have submitted multiple BBB complaints, as collections agencies stating they are working on behalf of XXXX XXXX XXXX  have harassed not only myself but many others regarding this issue. 

- XX/XX/XXXX: Paid remaining balance on card. Paperwork discarded after 7 years ( XX/XX/XXXX) - XX/XX/XXXX: Account recorded as closed ( according to recent calls ). In XXXX, I was told the account was marked as closed in XXXX. ( Since I discarded all records, I personally can not confirm this information. ) - XX/XX/XXXX : Began receiving collections calls. Settled debt due to no record of payoff. Kept record of settlement. Collection agencies harassed myself, my sister, a former college roommate, my ex-husband, and my ex-husband 's first wife. Possibly others that I do not know about. 
- XX/XX/XXXX : Harassing calls continued to myself and others mentioned previously ; complaint filed with BBB, FDIC, and CFPB ( Case number XXXX ) - XX/XX/XXXX : Harassing calls to myself began again from multiple collections agencies. 

I am currently on long-term XXXX due to XXXX. The additional stress of receiving harassing calls is impacting my mental health. I will be forced to file a lawsuit against Victoria 's Secret and XXXX XXXX if I ever receive another call regarding this matter. 

Thank you, XXXX XXXX