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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX XXXX XXXX Dear I C SYSTEM, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes, Chapter 570.

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Mortgage

In XXXX time period our loan was being serviced by XXXX XXXX. We applied for a loan modification and made all trial payments as instructed. In XXXX, we signed, notarized and returned loan modification documentation provided to us by XXXX XXXX. Our loan was subsequently sold to Mr. Cooper. In XXXX our payment was rejected by Mr. Cooper. When we contacted their customer service team, we were advised not to make payment until they could research the situation. In XXXX we contacted Mr Cooper customer service team member who said she could not find our loan modification documentation. We were instructed that we would be contacted in XXXX. On XX/XX/year> a Mr. Cooper customer service representative told us for the first time that they had located our loan modification documentation and that the loan modification had been rejected. This was the first indication we had received that the loan modification had been rejected.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit card

So every time Ive called them on the phone and spoke to someone they run my credit again and tell me they will get me an answer in the mail in XXXX weeks and they never do so I called back they run my credit again and the same thing happens all over again and I think Ive done that like XXXX times And then I stopped because I didnt want my credit run anymore for them to not do anything about it. 

I have shown proof that the initial error that cancelled my citi bank credit card. ( It's me, XXXX XXXX, and XXXX XXXX on the citi aadanvatage credit card exc. ) was a system error between the XXXX XXXXXXXX XXXX and Citi Bank. We have provided proof of available funds in account, and we were wrongly cancelled our credit cards, then we have chased for months to reopen them, and our credit has DINGED every time. I need hard credit checks reversed on both of our score, and to reopen the credit cards. If my credit gets a hard inquiry due CITI banks error and " declines '' again, I am considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX XXXX XXXX state of Florida. 

It has come to my attention that XXXX XXXX XXXX XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter XXXX Part VI and RULE XXXX, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last XXXX years XX/XX/2017. This conduct is not only in violation of Florida law of the Statue of Limitation in Florida : The statute of limitations in Florida on debt is five years. This means that once the five-year timeline has expired, creditors can no longer file a lawsuit against the borrower to try and recover the debt but this is also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX XXXX XXXX XXXX ceases its unauthorized activities to this alleged debt. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX XXXX XXXX XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX XXXX XXXX XXXX in the state of Florida. If XXXX XXXX XXXX XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received a letter from one of your offices to ask me to provide some necessary information for the initial fraud alert, which must be on because I have constantly sent the information for your company for months. It asks to send the address, Equifax Information services LLC, XXXX XXXX XXXX, XXXX, GA XXXX, which, according to my search, does not exist ; therefore, I have decided to provide it to your above-mentioned address. It asked me to provide with bold font my former names which I used in the past. Since I never changed my maidens name at all, I only can indicate my name, XXXX XXXX, even though your office might think I had other names in the past. If your office believe that I had other names, I would like to ask you to inquire them to notify those names and explanation why that office think those names have belonged to me with appropriate reasons and proof. Even though your Equifax and XXXX ask the documents both a copy of a document verifying my identity ( ex : drivers license or birth certificate ) and a copy of a document verifying your address ( ex : utility bill or pay stub ). I wonder why both credit report companies ask so many personal information. I started to believe both companies try to get the information which indicate the identity for the purpose of identity theft. Since at the beginning, I only asked to provide the copies of drivers license and social security number, I need the reason why these private companies ask the private information under what kind of legal and official reasons. I need the explanation why your office indicate that it could not locate a credit file in your database with the identification information I provided. I continuously receive the credit reports from your company ; therefore, I doubt what kind of credit file your office is looking for. Or if your office doubts the American database, I need to provide the legal document from the XXXX government to prove my identity. I request why your office could not locate the database of me, XXXX XXXX, whose nationality is a XXXX. Since I strongly believe I just need to provide the copies of drivers license and social security number, I send with this letter ; even though I have sent almost 10 times to your company. If your company think I need to identification proof as a XXXX nationality, you need to send me the proper and legal document to bring it to XXXXXXXX XXXX in XXXX XXXX XXXXXXXX to explain the situation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2020 {$210.00} Original creditor : XXXX XXXX  Appears on my XXXX  and Equifax reports however XXXX  removed it from my report and I been trying to get it removed from the other two reporting agencies and their systems are currently down, this is an old account that has been removed in the past and still appearing in my credit report with different company names, I requested the company a validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

I also told them that the negative mark found on my credit reports included on all three credit reporting agencies from their company or any that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; Therefore if they can not validate the debt I want the company and the credit reporting agencies ( XXXX & Equifax ) to delete the entry. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
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 I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

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 CARD 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 CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely fed up with being done unjustly concerning the dispute of fraudulent furnishing of late payments on my credit report. I sent letter to the agencies ( XXXX, XXXX & Equifax ) on XX/XX/XXXX and XX/XX/XXXX disputing this issue and they have for years broken the law of FDCPA. 

Under 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

In addition to that I did not as the consumer give these agencies permission to report these invalidated reports of Late Payments. I am the " natural person '' which is the only person who can validate such furnishing. 

The following account payment history needs to be updated to paid as agreed. 

Fraudulent reports of Late Payments is a violation of my consumer rights under 15 U.S. Code 1666b XXXX  Account Number : XXXX Please removed inaccurate reported late payments and update to paid as agreed
Product: Mortgage

I have a mortgage with HarborOne Mortgage that includes a PMI. I met the loan to value requirement in XX/XX/2018. On XX/XX/2018 I sent them a letter asking that they remove the PMI. I paid extra on my principal to ensure i met the 80 % LTV. I did hear back from the company, so i emailed them on XX/XX/2018 with an inquiry about the status of my PMI. I received a bounce back response that they would investigate and get back to me in 5 business days. As of XX/XX/2018 i have not heard from the mortgage company. I have tried to call their office, but the number does not allow for access to a customer service representative. I emailed again this evening, but do not anticipate a response to my issue. The reference / ticket number they assigned is XXXX. 
I have been timely in my payments, never late, and the value of the property has increased. There is no reason that they do not cancel my PMI. Their website says the request needs to be made in writing, which I did on XX/XX/XXXX. 
Please help me get a response to this issue. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call them and spoke with someone about get this resolved and removed this off of my credit report this is very I call them XX/XX/2018 and they told me they was to have it removed but they never did it so Im writing yall to have it removed now please help me thank you an advance. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I am refinancing my mortgage with Loan Depot and closed on XXXX/XXXX/2020. The closing/title company is CLOSINGUSA. I was told that my loan will be funded by XX/XX/XXXX2020 and that's why I had to pay the per diem interest to my current lender until XXXX/XXXX/2020. However in the XXXX statement the cash to close was higher than what was in the closing disclosure by {$300.00}. I was told this was because they had calculated the payoff amount until XX/XX/XXXX2020 according to the payoff statement provided by my current lender ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and that I would be refunded for the XXXX extra days of per diem interest after loan is transferred, as my loan would be paid off by XXXX/XXXX/2020. As of today XX/XX/XXXX2020 my loan has not be paid off by the CLOSINGUSA/LOANDEPOT. I have followed up several times with LoanDepot XXXX XXXX XXXX and XXXX XXXX XXXX and keep getting different excuses. They sound helpful and courteous but are unable to resolve the issue. For the last week or so, every time I call them they keep telling my that the wire transfer was made or will be made 'today ' but I never get the tracking information or a confirmation from them. In my email communication ( dated XX/XX/XXXX2020 XXXX, I did however get a confirmation from XXXX that they will honor the XX/XX/XXXX closing date XX/XX/XXXX2020 funding date, but I am yet to receive the wire transfer confirmation. I was also told that I will be receiving a supplemental wire transfer for the per diem interest but they don't have my bank information, so I don't trust that information is correct either. 

I have reached out to the title/closing company as well, but have not received any response or call back. 

I will end up having to pay the mortgage for the month of XXXX to my current lender and am afraid, that due to the delay in payoff by the closing company, end up paying extra for the per diem interest.
Product: Debt collection

I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- I dont know about this in my credit report XXXX- I only had 1 account with them and it appears 2 on my credit report XXXX XXXX XXXX XXXX I have no knowledge of this
Product: Debt collection

At or around XX/XX/XXXX, an account was opened in my name through Care Credit from Synchrony Bank. This credit was used ( I don't know what for an maintained occasionally until whoever used it, just stop paying on it ). It eventually went to collections, then charged off and remains on my credit. I have sent letters to Synchrony Bank asking for validation of this debt and all they've sent me are old bills. There is nothing showing I've ever opened this account. No signatures, no debit cards I've owned. Nothing. just bills as their " proof ''. This has done grave damage to my credit and they've made no attempts to rectify the matter. The amount they say I owed is {$1400.00} dollars which was charged off and {$550.00} due as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer servicek nd ( XXXX XXXX, ( XXXX  violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXXXXXXcomply with erro, resolution requireiflents under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

{$230.00} was skimmed off my Visa Gift Card by XXXX XXXX. I called Visa ( XXXX ) and reported it. They directed me to a company Blackhawk Network to resolve it. I called the company three times regarding the theft ; it seemed to be a call center in XXXX. They notified me on XX/XX/XXXX that my case was resolved and that I would get the money refunded on a new card. As of XX/XX/XXXX, I have not received the card.
Product: Credit reporting, credit repair services, 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 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