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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my follow-up to my previous complaint to ensure that these accounts are investigated for their erroneous reporting : XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Product: Vehicle loan or lease

I purchased a vehicle on XXXX XXXX,2024 per my contract first payment due on XX/XX/year>2024 paid a large down payment. Car was repossessed on XXXXXXXX XXXX,2024 when calling customer service they advised that the car was repossessed due to insurance. When trying to get the car back they advised that I couldnt get the car back unless I refinanced or paid the account off in full. Director of operations XXXX advised that the bank would not cover my loan.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  - XXXX XXXX  XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX 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: Debt collection

1.I have never had an account with this company LVNV FUNDING XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to
innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Vehicle loan or lease

on the XXXX day of XX/XX/XXXX, I mailed a copy of the following : notice of rescission and billing error, affidavit of truth, billing notice, transcript of payments. Notarized by public notary and mailed certified via XXXX requested by phone XX/XX/XXXX directly with manager at Byrider finance LLC : explanation of amount owed, vehicle service contract, copy of promissory note, lien, power of attorney with signatures of all parties involved. The manager stated that she could not provide or explain any information pertaining to my account and admitted that the company is the process of selling my information to another 3rd party after tax right off ( charge off ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was listed on my credit bureaus in the name of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY. I have no knowledge of this account or to XXXX. The phone number is just a recording and I have sent emails with no reply. This is fraud
Product: Credit reporting or other personal consumer reports

CFPB, XXXX XXXX, Experian and XXXX I am sending you this notice to formally let you know I'm not paying you a XXXX dime! I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX XXXXXXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. XXXX barely responds and Experian spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXX dime from me.
Product: Credit card or prepaid card

Hello, Capital One sent me this offer as a pre-approval ( pre-approved offer ) because of this I expected to be approved without my consent of this credit card, little did I know I was denied even though my credit score is fairly high. I do not feel like this denial was justified and it should be removed, as I did not receive a response / reason on why this was denied.
Product: Debt collection

I am unsure as to which company this is but they left a detailed voice mail to a relative on XXXX at XXXXXXXX XXXX with court documents and court information and asked to be called back at XXXX claim # XXXX
Product: Debt collection

I was contact by a company claiming to be a process serving stating they were going to file a law suit against me and have be served with papers. When I instructed them that I had consolidation company handling this and they said the company could call them. I then asked for him to provide me in writing proof that I owe his company a debt. The gentleman I was talking to started to get irritated and I then said listen here XXXX. His next words were XXXX and he hung up. He stated the call was being recorded. This same company called a former employer of mine and left a message there stating they were a processor server and that I needed to call them back. The message even included a case number.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block, Inc. ) due to unadequate customer service practices which violate the ( 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 and resolution process was unfair and deceptive as they did not comply with error resolution requirements under thw ( EFTA ) and regulation E These actions have caused significent inconvience and financial loss and i seek appropriate redress for these violations
Product: Debt collection

CB OF LEWISTON CLARKSTON INC has not provided me with debt verification, and I have not received any paperwork showing my rights as a consumer, how to dispute. The collection agency also reported a fraudulent collection when they didn't review my contract showing that the lease isn't to be paid till XX/XX/XXXX, and all cleaning fees inside of normal wear and tear are not chargeable to me according to my contract and including them as a repair isn't legal under idaho state law. All included in the contract I'll provide The company has also not followed FCRA 623 ( b ) ( 1 ) ( D ) in which they are required to notified XXXX and XXXX that XXXX has determined that the collection is fraud and has been removed off of my record. They are required to notify and rectify to all credit bureaus that it has been deleted and should be deleted post haste.
Product: Debt collection

XXXX XXXX XXXX. at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX had bought my my debt through Calvery SPV-1 LLC, XXXX, XXXX debt in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( credit card ). This Lawfirm froze my bank account ( XXXX ) until I paid them in full. However the debt was already paid to another Lawfirm at XXXX XXXX XXXX, XXXX. I have a letter from them that was sent to me including my account 's details on XX/XX/XXXX showing the debt was paid in full. 

I had two debt collectors coming for me, I paid one and the other violated my rights by freezing my bank account ( XXXX ) XXXX I paid double for my trouble 's. I wish to recieve the money owed to me that XXXX XXXX XXXX /Calvery SPV-1 stole from me. After I paid them they unfroze my bank account but they refused to send a receipt to the bank or myself. I have kept all records including the city of XXXX allowing my bank to be frozen and proof that the account was already settled paid in full with XXXX XXXX XXXX when they illegally did this to me. This fraudulent bank owes me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX all display record of " delayed payment '' related to an old car lease through Kia Motor Finance. in 2018 when the car was submitted at to the dealer to end the lease, another vehicle was leased with the agreement that the dealer will pay off the remaining balance of the first lease to the leasing company. However either this payment from the dealer was not done in a timely fashion thus caused a delay in payment, or the leasing company did not report the payment balance appropriately causing negative impact on my credit report. My credit has been negatively affected as a result. Dealer information XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX Phone. XXXX-XXXX-XXXX  Fax. XXXX-XXXX-XXXX Lender Kia Motor Finance Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the amount of HOA ( home owner association ) fees. When amount is in dispute or not correct, homeowner is not required to make payment on disputed amount. HOA egregiously reported amount in dispute to credit bureau as late payment. Once account was reconciled, bill was immediately paid, however HOA and credit bureaus have been negligent in removing late payment from credit reports.
Product: Mortgage

In XXXX, my wife and I went through a messy separation and we split so I vacated the home and she stayed. She did not make any payments on the loan allowing it to go further and further into default. Due to domestic issues, I was not able to move back into the home to reinstate the loan or complete a loan modification. My wife vacated the home last year, leaving it to foreclose and I have been trying to rectify the default since. I have submitted a complete short sale packet, all documents required of me have been sent to the mortgage servicer. They agreed to postpone a foreclosure that was previously scheduled since I submitted documents but they still have the short sale under review and they still have an auction date for XX/XX/XXXX scheduled which is unfair to me since I did everything that was needed. They have deemed the short sale packet completed so all that is needed is additional time to be able to close out the sale. I am still suffering financially due to my separation and desperately want to avoid a foreclosure that will only put me further in the hole. Please assist me with getting in contact with my servicer to help me get this auction stopped.
Product: Credit card or prepaid card

On XX/XX/2020, I received a call from the Citi early warning fraud department about potential fraud on my Citi Doublecash card. I logged into my account ( in case the call was a scam ), and there were 4 unauthorized charges on my account. 

All charges were posted from the same date ( XX/XX/XXXX ) : XXXX {$16.00} XXXX {$15.00} XXXX {$15.00} XXXX.TR XXXX XXXX {$24.00} The customer support rep confirmed that all 4 charges would be canceled/refunded and my card closed and a new one issued with a different account number. I did receive the new card on XX/XX/XXXX, activated it, and used it. I logged into my account today ( XX/XX/XXXX ) to pay my bill, and 3 of the 4 fraudulent charges are still there. 

I have called 3 times today, for hold on each call for at least an hour. When I finally get through to someone, they transfer me to the " Security Department at XXXX '' but I just get fax machine noises and the call drops. I've been on the phone for almost 4 hours straight. I have tried the online chat function, but nobody answers. I can't even dispute the charges myself because they're >2 weeks old since they were supposed to be taken off my bill when I called after CITI let me know about fraud. They didn't remove the fraudulent charges that they had notified me about!
Product: Credit card

I had a Chase bank credit card, I paid it off, and closed my account. 
I got a call from someone from Chase, saying that someone had opened a Chase account using my SS #, and had made charges on it,, asked if it was me or someone I knew in Florida,,, I said No! My Chase account is Closed, she gave me a Case # XXXX and transferred me to Consumer Financial bureau his name was XXXX and he gave me the Phone # XXXX,, he looked up my Case # and we went through All my credit cards that had been paid off and he fixed them for me,,, and said everything is Good now, put a lifelock on my credit,,, this was Well I get another call today ( which is about 3 days later ), someone saying I have fraudulent charges or someone has opened a Chase account using my SS # again,, I told her this was Suppose to be taken care of and told her who I had spoken with,, and she hung up!
Product: Credit card

My commitment to ensuring timely payments on this account has been unwavering, never allowing any payments to lapse beyond their due dates. Nevertheless, I find myself puzzled by the presence of late payment remarks on my accounts. According to the provisions in 15 USC 1666b concerning billing errors, such discrepancies should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ XXXX XXXX . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # XXXX, has violated my rights. 

XXXX5 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: Debt collection

While checking my latest credit report, I found some accounts that I believe were added without my authorization and are wrong. I request that these accounts be blocked and removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/2018 XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX  Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX.XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX  ),  and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX