23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the compromise of my social security number, which has resulted in me becoming a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 ( a ), it is imperative that the credit reporting agencies take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : ACCOUNTS BEING CHALLENGE : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : 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 XXXX INQUIRIES BEING CHALLENGE : XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against the agencies involved, as allowed under the law. I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C XXXX. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation under XXXX5 U.S. Code 1681o - Civil liability for negligent non-compliance Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance Failing to comply with 15 USC 1692 ( g ) Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) - Method of verification Violations under 15 USC 1681a ( 4 ) - Right to privacy Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I request that you take immediate action to block and remove the fraudulent accounts from my credit report. I have provided all the necessary information to facilitate this process.
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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX  XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

XXXX refused to update my XX/XX/2023 statement closing balance to reflect my Navy Federal Credit card was paid in full with a XXXX balance. Navy Federal Credit Union submitted balance information to XXXX but with my balance as of XX/XX/2023 which didn't reflect my true and accurate statement close as of XX/XX/2023. Navy Federal Credit Union advised XXXX 's credit reporting system has an internal glitch that they are aware of and has been ongoing for some time. Navy Federal advised they could not backdate or submit my XX/XX/XXXX statement because XXXX would not allow for it to be submitted. Navy Federal agreed to resubmit my information to XXXX after i paid my card in full, however, upon submitting a payment in full Navy Federal advised XXXX would only accept XXXX credit update every 30 days and any additional updates would be denied by XXXX. I was directed by a supervisor to pay the card off and Navy Federal would in fact submit another report to XXXX. This did not occur. The system error and refusal to rectify this issue has caused me significant financial hardship and denied my ability to receive favorable credit and obtain financial products that would allow me as a Federal employee on deployment to utilize an unrestricted government card due to my credit score. An update to my credit score would have allow me to avoid out of pocket cost and untimely reimbursement of funds that could be used to support my family, but instead were tied up awaiting reimbursement. An update to my credit score would have also allowed me to close on the refinancing of a commercial property.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you that your recent actions concerning the collection of an alleged debt are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. I have thoroughly documented the following For example, repeated calls to my place of employment despite being informed that such calls are not permitted. 

For instance, failure to provide the legally required validation notice within XXXX days of your initial communication with me. 

These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of XXXX XXXX  and XXXX. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. 

Effective immediately, I demand that you cease all forms of communication with me and any third parties in connection with this alleged debt. This is a formal cease and desist notice under the FDCPA. Any further communication from your agency, except to confirm receipt of this letter or to provide proof of debt validation as mandated by law, will be considered a further violation and will be documented as such. 

Please be aware that I am fully prepared to take legal action if these violations continue. This letter serves as evidence that I have provided your agency with notice of your violations and of my intent to pursue legal remedies. 

I expect a response in writing within XXXX  days of receipt of this letter, confirming your compliance with my requests. Failure to respond adequately will result in additional legal action, and a copy of this letter will be forwarded to the Consumer Financial Protection Bureau ( CFPB ) as well. Remove these fraudelent tradelines off of my credit report as I have attahced XXXX identity theft reports below.
Product: Debt collection

On XX/XX/XXXX my husband and I notified the apartment complex we were living in, XXXX XXXX XXXX in XXXX PA, that we were exercising the early termination option in the lease. The notice was, " Dear Resident Support Team, Please let this email serve as our notice to Park Towne Place of our decision to exercise the Early Lease Termination Option as provided in paragraph XXXX of our Renewal Agreement, dated XXXX, XXXX, XXXX and our intention to vacate unit XXXX on or before XX/XX/XXXX. As you will note, paragraph XXXX of the Renewal Agreement contains no procedures for the exercise of this option ( and none are stated in any addendum ), other than the payment of the requisite Early Termination Option Fee, as provided on page 1, paragraph M of the Renewal Agreement. Because there is no advance notice requirement for us to exercise this option, we are not required to provide any more notice than provided in this email. If you have any questions, concerns or wish to discuss the logistics of our move out, turn over of the unit, and refund of our deposit, please let us know. We have sincerely enjoyed our time living at XXXX XXXX XXXX. '' We moved out of the unit by XX/XX/XXXX and paid the early termination fee of {$7700.00} ( XXXX rent ). The management at XXXX XXXX XXXX notified us that they would like XXXX notice and for us to pay XXXX XXXX  rent and utilities, which is not required by the contract. We responded by reiterating that the contract did not state a requirement of 60-days notice if a tenant is exercising the Early Termination option. Management at XXXX XXXX XXXX charged us for an extra month 's rent and utilities ( for XXXX of XXXX ) on XX/XX/XXXX of XXXX. We contacted the management restating that we are not liable for this sum as it was not written in their contract. 

On XX/XX/XXXX of XXXX, XXXX XXXX XXXX sent our " debt '' to the company Columbia Debt Recovery LLC, dba Genesis. We filed a dispute with Columbia Debt Recovery LLC, dba Genesis within 30-day of receiving notice. Even after the dispute was filed Genesis has put this " debt '' on both mine and my husband 's credit report and continued to contact us to pay them. This practice violates the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA 6058 says we must report wrong accounts on credit report.
Product: Debt collection

This account is not verified yet it's being reported on my credit report. I called to verify with no success, called to reach a settlement in order to delete and had no success, senior director is offensive and hangs the phone on me. This company is a scam and should be investigated. I demand all associations with this company be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. XXXX and Equifax score dropped to XXXX. The following week, Equifax updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.
Product: Student loan

I see multiple 90-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Social Security XXXX : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX, XXXX, NY, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

According to the attached letter from XXXX XXXX on XX/XX/2024 from complaint XXXX. She was to send a Identity Theft Packet. Almost 30 days letter. I have received nothing. Also worth noting. The copy of the loan I didn't take out it was in XXXX. Further evidence it's not mine. I couldn't have filled out a loan in XXXX. I can't even read this copy other than the name and numbers. 

Please send the Identity Theft Packet you were supposed to have sent. Now the 60 days I had will expire due to your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.
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 : # XXXXXXXX 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: Vehicle loan or lease

my name is  XXXX   XXXX  and my loan number is  XXXX  with satandar auto loans. presently my interest rate is 24 % for a used car  2009   XXXX  accord and my monthly payment is {$480.00}. presently I am out of a full time job and I do part time jobs here and there. I have spoken to several personnals about my interest loans been brought down to a better interest rate and monthly payment say $  XXXX  {$300.00} for a 4year loan since the car is old and I bought it used also. I would be grateful if my request is granted so I can put my loan in stable condition. Thanks
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB against XXXX and XXXX for attempting to collect a debt not owed. XXXX responded XX/XX/XXXX and XXXX responded XX/XX/XXXX. On XX/XX/XXXX Experian completed my dispute both items remain on my credit report and are said to be verified. Both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX confirmed in writing that these accounts were fraudulent and closed. XXXX also stated that they requested the credit bureaus to delete their listing from my profile. However, Experian failed to remove these items from my credit report after my dispute.I have attached : XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they requested deletion from the credit bureaus. 
XXXX. The response from XXXX confirming the XXXX account was fraudulent and that they updated the status. 
XXXX. A copy of my previous dispute results from Experian, showing they failed to remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a 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 XXXX. XXXX has me at a score around XXXX. 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 daughter  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Money transfer, virtual currency, or money service

I have been using PayPal for multiple years to transfer payouts from my XXXX sales into my bank account. I also use PayPal to invoice people for sneaker deals. I sell a variety of items on XXXX, from sneakers to video game consoles. Paypal has collected thousands of dollars in fees from my sales over the years, and I have been a very dedicated customer. Recently, PayPal stole {$3600.00} of my earnings without explanation. I would greatly appreciate your review of my account and prompt resolution. 

A timeline proceeds : 1. On Saturday, XX/XX/2020, Paypal notified me of an account access limitation. It stated I could no longer do business with PayPal but didn't provide a reason why. 
2. PayPal communicated they were holding my balance of {$3600.00} for 180 days. After 180 days ( which was XX/XX/2020 XXXX, Paypal would email me with directions on how to access the funds and deposit them into my bank account. 
3. I still have not received any emails or guidance on how to access my balance.

4. However, my account, as of XX/XX/XXXX, was updated to show a {$0.00} balance with a new transaction showing the money being transferred to Paypal. I didn't make this transfer.

5. My account balance of {$3600.00} seems to have been stolen by PayPal, and the memo attached below states that my balance was removed because of a " Violation of the PayPal XXXX. '' 6. I don't know what this means and I received no information on which part of the XXXX  I violated, nor how to access my money. I was also not informed that my money was taken by any form of communication. The robbery was silent. 

COVID-19 is taking a large toll on small business owners like myself, and PayPal stealing a significant portion of my revenue is not helpful. Please help me resolve this situation and return my money ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 letters to XXXX  and equifax regarding my credit report the inquiary that are on them and also the the fraud alert i ask equuifax, XXXX  to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help
Product: Mortgage

During my loan modification thru Making Homes Affordable GMAC tacted on {$30000.00} to the end of my loan. They sold to XXXX and XXXX stated there was nothing they would do about it. XXXX also did nothing.
Product: Student loan

I was contacted by a company by the name of Premier Student Loan Center about qualifying for student loan forgiveness. Upon being accepted to a program, I gave the company my personal information to continue with the process. They explained to me that they were not an actual bank but a document processing center for banks that accept people with student loans into a forgiveness program. They then asked me for my password to XXXX and I gave them my banking information and social security number as well. I had to make 5 initial payments of XXXX for processing fees, is what I was told. The payments were set up as automatic withdraw with my debit card, I have made 3 of those 5 payments. I then contacted my actual loan service provider that is listed in my XXXX to tell them that I was only able to make half payment this week and then the other half next and was told that I do not owe any money at this point in time and that my loan was to be submitted next XXXX ( 2019 ) for student loan forgiveness acceptance. The person that I spoke with today informed me that Premier Student Loan Center was probably a fraudulent company and to not give them any more money and to immediately contact my bank and you guys.