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

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy. Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX last XXXX XXXX : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote Transunion, XXXX, XXXX and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609.

I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
XXXX XXXX XXXX, XXXX, Opened XXXX, Balance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, Balance XXXX XXXXXXXX UNATHORIZED HARD INQUires : XXXX XXXX XXXX, XXXX  opened, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX opened, XXXX XXXX, XXXX, XXXX, Date opened, XX/XX/XXXX XXXX XXXX XXXX XXXX, Date opened, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date opened, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Date opened, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date opened, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. XXXX XXXX XXXX is reporting a charge-off to my credit report that is not even their debt because they have sold the debt to a debt collector ( see attachments ). That makes the account on my credit report inaccurate and this account must be deleted.
Product: Student loan

This complaint is a continuation of Complaint # XXXX which was filed in XXXX 2017. XXXX XXXX has still not adjusted my account to reflect the erroneous addition of $ XXXX to the principal balance of my loans due to errors in their paperwork processing which resulted in my loan not being enrolled in income based repayment plans for short periods of time. I am being charged interest on top of this additional {$20000.00}, and nothing is being done to correct the matter despite numerous letters, phone calls, and e-mails to XXXX XXXX XXXX. All I receive are apologies but no corrective actions.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency 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 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accountshas violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN ), they are willful negligent and non-complying with federal statutes : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late/Closed XXXX XXXX  XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX ChargeOff XXXX XXXX XXXX XXXX {$0.00} Opened Date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX DOB : XX/XX/XXXX ( This Is Not A Duplicate ) To : XXXX XXXX XXXX  XXXX XXXX & SageStream & XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX, XXXX, SageStream, XXXX, XXXX XXXX  XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit cards and others : XXXX XXXX-Opened in XXXX, XXXX XXXX XXXX c/o XXXX opened in XXXX, XXXX XXXX  c/o XXXX, opened in XXXX, XXXX XXXX XXXX XXXX opened in XXXX, XXXX XXXX  opened in XXXX, XXXX XXXX  XXXX opened in XXXX, XXXX  XXXX opened in XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 

A copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. I have attached a copy of my Drivers License, a copy of my Social Security Card, a copy of Proof Of Residence and a copy of the FTC Report .... 

Please make sure neither company ( lie by stalling ) saying that they need proof of identity because I am sending proof of identity with this report.
Product: Credit card or prepaid card

I paid off my Lane Bryans credit card on XX/XX/XXXX2022. I paid the statement balance prior to the due date. Since the card was fully paid off and not being used, I didnt expect any further charges. 
XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/22, XX/XX/XXXX22, XX/XX/XXXX22 I was charged with a minimum interest fee of {$2.00}. Why would I get charged interest on an account that is paid off?!?! 

Additionally, they then started assessing late fees. I never received a single statement via email or US mail telling me that I still had a balance. I tried to speak with Comenity, however they claim their fee is lawful. I had a perfect payment history on my credit report and now this has been sullied over an unreasonable and possibly illegal fee. 

I have other store cards with Comenity, and I have paid off this card as well in the past and I have never been charged a minimum interest fee after the card has been paid off.
Product: Debt collection

I am a victim of Identity theft.An unauthorized credit card from Chase Bank was opened in my name around XXXX XXXX did not consent to this credit card account being opened nor did I have knowledge of it. There is a debt of {$4400.00} and a late payment as a result of this Unauthorized credit card on my credit report.
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX  XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this as a follow up complaint to XXXX and Equifax. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my XXXX and Equifax credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL SY. They are a collection company. I don't know that creditor. I have sent more than 20 letters disputing that debt and to this day they are violating the law every time. The amount is {$10000.00} and my credit report has this stains. This situation is damaging my credit, affecting my ability to obtain loans or credit in the future. Including this debt on your credit report is neither accurate nor fair. It's a negative stain on my Credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, we contacted XXXX to dispute a subscription charge to XXXX. XXXX would not permit us to cancel an unused alarm service without knowing the account password. We answered the questions for XXXX. We asked that the charges for XXXX be stopped on XX/XX/XXXX. XXXX sided with XXXX and permitted the XXXX charge stating that we failed to prove that we tried to cancel the subscription with XXXX. On XX/XX/XXXX, we cancelled the XXXX credit card upon hearing their decision. On XX/XX/XXXX, after closing and paying off the entire remainder on the card, XXXX by XXXX XXXX XXXX permitted another charge from XXXX services.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft and to request immediate action to rectify the situation. Recently, I discovered unauthorized activity on my credit report with your company. 
I did not authorized any of these transactions, and those info is being mixed up with someone else, therefore I request that you take the necessary steps to address this issue promptly, and please dispute the accounts. That were opened without my knowledge, authority or consent. Details of the unauthorized activity are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Illegal collection practices that violate collection laws pertaining to calling within 7 days of making contact, as well as calling others and discussing what the call is pertaining to. This company has violated this multiple times within the last year, when brought up the most recent time I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached document where EQUIFAX has addressed me incorrectly by name which is one of the few incorrect details on my report that I have been trying to get deleted, blocked and updated by sending numerous evidence multiple times.
Product: Credit card or prepaid card

I received another statement from a collection agency asking for payment in the amount of XXXX. The company trying to collect is SIMM Associates. I just called and spoke with a XXXX XXXX and then first thing I asked was what was the phone numbers and addresses that were attached to the credit card. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. The phone numbers provided are XXXX and XXXX. Now, this is now the XXXX credit card that I am disputing regarding fraud. The same address and phone number has been attached to the last XXXX cards I disputed. How do I go about getting this resolved too?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as Iate for any purpose.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXX XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated. 
o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response
Product: Credit card or prepaid card

Roughly 60 days ago, Chase had closed my online access to pay the bill with the mobile application. 

That is how I always paid the bill on my Chase Freedom card. 

I have been waiting for a call back from an escalation manager for almost 2 months because I can not pay my bill because they do not have record of the account ending in XXXX. THEY ARE FORCING ME TO DEFAULT ON THIS CARD WITH A {$6000.00} balance because EVERYTIME I CALL AND GIVE MY SSN # DOB AND LAST 4 of the ACOUNT NUMBER, THEY CANT FIND THE ACCOUNT. I will SUE WITH MY ATTORNEY IF THIS IS NOT RESOLVED, and NOW THE MINIMUM PAYMENT IS PROBABLY {$600.00} WHICH I CAN NOT AFFORD SINCE THEY HAVE NOT ALLOWED ME TO PAY MY BILL AND ADDED LATES FEES WITH FINANCE FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, XXXX and Experian ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
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.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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.
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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed. 

Account Numbers and Names : -DEPT OF EDUCATIONXXXX -DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX -DEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

It is over 3 months cashapp has been tell me my account has suspended and they have not resolved the problem I have cash I need to withdraw from the account and can't I am not working and need my cash. I am being push in circles I also tried Clos the account but to no avail
Product: Mortgage

Initially, PHH was sending foreclosures notices to me indicating they were unable to certify occupancy, although 5 completed certifications were sent to them over a four month time span. It was not until I contacted CFPB that the harassment stopped for only a few weeks.

Now, I have been called on numerous separate occasions from a PHH representative, stating that I need to send PHH {$4500.00} for property taxes owed on my home. The PHH rep. stated that PHH paid this amount directly to the XXXX of XXXX  XXXX on my behalf. Upon contacting the XXXX XXXX XXXX XXXX, I was informed that no company has made any inquires or paid any property taxes on my home, BUT, there are no taxes owed on my property. 
As of XX/XX/XXXX, I am in receipt of a first " FINAL '' notice stating that PHH will commence foreclosure proceedings on my home unless I " cure the default to reinstate your loan and you must pay delinquent charges of {$4500.00} within 30 days. '' Attached are copies of my real estate tax records with the XXXX of XXXX  XXXX, showing there are no property taxes due until XX/XX/XXXX. All property taxes have been paid from XXXX XXXX. PHH can verify this information with the XXXX of XXXX  XXXX. Please stop with all the harassment. PHH is trying by any means possible to foreclose on my home without any legal or legitimate reason.