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

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear, XXXX  XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignme
nts showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I 've always made my payments on time and I totally forgot that I had a balance left on the card and did n't receive anything in the mail in regards to payment because of travel and holidays.
Product: Credit reporting or other personal consumer reports

As of early XXXX, I noticed on my credit report with XXXX Credit bureau, multiple Hard inquiries for auto loans that I did not give authorization nor permissible purpose. I wrote a letter as well as sent a copy front and back of my drivers License as well as Social security card to XXXX Credit Bureau certified mail starting as early as XX/XX/XXXX. During this investigation I was told my SS # was not eligible. After sending in new copies I was told. That I needed a FTC or Police report. I followed up with all new docs. Cover letter, New copies of ID as well with FTC report. This now by XX/XX/24. After following up on the investigation. I was told my FTC report was not accurate and needs to be revised but was not explained how to their standards. ( I have attached all Revised FTC reports sent to XXXX fraud department. ) Once revised, I was told that my SS # was not eligible. Each time I call to follow up I am told something different from each representative as well as manager. After explaining my frustration with constantly being told something different why the hard inquiries not being removed due to being told something different by each rep to follow the appropriate. 
Instruction on what they need due to mailing docs constantly costing me to mail docs certified mail each time. I was advised to join XXXX membership and upload docs and the process will move smoother and faster to remove the hard injuries. I joined XXXX membership {$19.00} a month. To be told by managers thats not accurate and all docs has to be mailed. 
When it comes to hard injuries all docs have to be mailed. I explained after speaking with several managers that I am being advised different information each time I call and all I get is sorry sir. I have updated my FTC report XXXX times now and has sent certified mail at least XXXX times in the past XXXX months and no results with removing the hard inquires. Not only did I send the same repots to XXXX but to XXXX XXXX and XXXX and the hard inquiries requested to be removed has by the other following bureaus. I am constantly getting the run around with XXXX and getting different instruction each time I call to resolve this issue. I have attached all supporting docs with ID copies sent, FTC reports, as well as SS # with XXXX receipts of proof mailing the required documents with cover letter. I have even been questioned how and what site I filed my FTC report which is Identitytheft.gov to be told its still not valid. This agency has not worked with me at all as the consumer regarding the Inquires I did not Authorize after providing the appropriate documentation. All docs and receipts has been uploaded as well.
Product: Consumer Loan

out of the XXXX SENT a letter saying through they loan XXXX from the government to help pay my bills the only bills i had was XXXX XXXX credit card which was a XXXX no savings but talked me into years old i have no car no assetsand XXXX cable i have no good cridet no job just my SSI check XXXX permonth i am XXXX and i have severe health problems and i am going XXXX this is being type daughter i am XXXX they had me intial my name no signature and life insurance in amount of XXXX but the insurance company me down because i am so sick mental and body now they trying to make pay a XXXX loan and i only XXXX XXXX she wrote a check for XXXX and told me to go to there and cash and bring the money to her now they are sending collection letters saying i owe XXXX i am being robbed and i did not get that money only XXXX i have no asets no money this was predatory loan and thy sought me out and now they are tring to robb me and they are harassing me for a year
Product: Debt collection

On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. 

On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. 

Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : 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 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
Product: Debt collection

I see multiple 30-60 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, credit repair services, or other personal consumer reports

I have previously filed several complaints about XXXX XXXX XXXX XXXX  complaint # XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. ALL OF MY COMPLAINTS have been CLOSED and nothing has been resolved! 

I never made any late payments, XXXX XXXX has not provided me proof that the payments they show as late ever happened, and yet continues reporting a late payment history on my account. I need your assistance correcting this error. NO LATE PAYMENTS WERE MADE! ALLY MUST fix this error immediately as they are causing my score to be low and my extensions of credits are being offered at high rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires on this report is a result of identity theft please delete them. I keep asking and nothing is happening. I have attached the identity theft report.
Product: Credit reporting or other personal consumer reports

I filed a identity theft report and the fraudulent items werent removed under section 605 under FCRA law these items should be removed they are verifying fraudulent information that wasnt done by me at all XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 1

5 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX  XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX  I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach affecting 143 million people, my information was potentially stolen. I am taking the necessary steps to protect my self, however learning about the breach a month after it happened is alarming.
Product: Mortgage

I paid off my mortgage with XXXX in XXXX of XXXX. I have applied for a XXXX loan with another bank and I am having issues obtaining this loan due to lien release never being filed from the original lender ( XXXX XXXX ). I have filed several complaints against them. Now I received a letter in XXXX of XXXX telling me of a mortgage product that was initiated in XXXX of XXXX and I paid until XXXX. I have no idea what this product is and why it was added to my mortgage account? I want to be refunded and properly compensated. This is Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XXXX of 2019. it is still showing on my credit report. PLease fix this.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX  accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back
Product: Vehicle loan or lease

Upon entering the Ford dealership in XXXX we were there to lease a vehicle for our business. We told the dealership what we wanted and everything was a go. Even had us put down a {$100.00} deposit to hold the vehicle. Upon agreeing and after the payment was taken we were told Ford wants to go with a smaller vehicle but that would serve no purpose to us as a business which ww stated and on top of this now there is inquiry on my credit that I did not want espically if we as the consumer are not allowed to dictate the terms. This needs to be addressed asap. We have already gotten our intent to sue letter and intend to do as such if this is not addressed. Seems really bias to me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 'S CLUB XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX OF CREDIT INQUIRIES- XXXX XXXX 'S Dear Equifax XXXX XXXX XXXX XXXX & XXXX XXXX This XXXX XXXX XXXX XXXX official request under Section XXXX of the Fair Credit Reporting Act ( FCRA ), Title XXXX, XXXX Code, and Section XXXX XXXX the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to XXXX inquiries made by XXXX Federal SYNCB/SAM 'S XXXX & Equifax XXXX XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The XXXX Code that relates to fraudulent inquiries is Title XXXX, Chapter XXXX, Subchapter VI, Section, Section XXXX ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the XXXX prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : 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 XX/XX/XXXX PRIVACY LAW OF XXXX States that The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm having difficulty accepting this issue and it's affecting my ability to sleep.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor XXXX, XXXX and XXXX is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.
Product: Checking or savings account

I feel disappointed and frustrated with the situation I am going through with my bank. 
I have never felt this way before, it is an injustice and an arbitrary act and I consider it a mockery towards me as a client of the bank. 

My debit card was blocked and cancelled due to fraudulent consumption. 

Then I made the corresponding claims for the consumption and they have been denied by the bank. 

I make public the documents received by the bank and that have been issued by the business where the fraudulent transactions were made. 
According to the documents and the attached information, it does not correspond to me. 

Claim ID XXXX XXXX Claim amounts {$5600.00} {$9300.00} I have told the bank XXXX times that I have never given my information to those people and I do not know who those people are who are mentioned as third parties who used my card to make the fraudulent transactions. 


I want provide some extra information about this company has been involve in same problems with fraud. 

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

I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

I received, multiple letters and phone calls from credit management about an alleged debt. I received XXXX letter on or around XX/XX/21 with multiple violations under the Federally protected consumer rights/ USC . I have tried numerous times to resolve this issue with credit management LP and have had no luck.