23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX,2022 I sent Experian a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Experian written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with TransUnion and XXXX. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to TransUnion. According to XXXX, TransUnion received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to XXXX as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with National Credit Management several times, all to no avail. National Credit Management is collecting funds for XXXX College. 

When I made contact with XXXX College 's Bursar 's Office, the bursar 's office states and confirms this debt was NEVER SENT TO National Credit Management for collections. This debt remain solely with the college. The debt was paid directly to the college so that I could register and attend classes. 

I made contact with XXXX XXXX of National Credit Management via phone [ ( XXXX XXXX XXXX ] and informed her of this issue. She gave me her email address and asked me to send them a copy of the paid receipt the college sent to me via email. Plus she said she would contact the college directly to verify the paid receipt. I sent the email directly to " XXXX ''. As of today, XX/XX/2019, I have not heard a response from National Credit Management. 

Please see attachments for proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent both XXXX/Equifax a method of verification letter requesting that information as of XX/XX/2018 and havent yet to receive that information although they state that the accounts reported on my credit report were verified. Its my understanding that according to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts reported on my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX are fraudulently opened in my name. I have sent numerous letters providing proof that the accounts are indeed fraudulent. The bureaus have failed to accurately provide proof of a legitimate investigation as well as any documents with my signature or identification. The bureaus have also failed to report accurate information on my mortgage account which forced me to pay off early due to the incorrect pay statuses reporting as late when I have never paid late on account XXXX ACCOUNT # XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Money Lion Address : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) 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 assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX Balance : {$8500.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX VA XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX Balance : {$90.00}
Product: Credit reporting or other personal consumer reports

Good morning, Accounts name : XXXX XXXX late payment : XXXX 2024 I have made all my payments correctly. I have contacted the credit bureaus over 4 times. What they are doing is an injustice. They are preventing me from purchasing my home. What they are doing is a mistake. I may have made the payment on time or there may have been a clerical error. Experian reports one date on XXXX and another. I sent them proof of the error. Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX has failed to satisfactorily resolve this matter or remove the incorrect late payment from my credit report. As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this incorrect information is negatively impacting my credit score and financial well-being. Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies comply with the Fair Credit Reporting Act and the Truth in Lending Act. Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting my complaint to you, as I notice my accounts, I saw the negative accounts which were recorded as late, and with this, I am not truly satisfied. These accounts are inaccurately and erroneously reported. The intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b and according to FCRA Section 605b. I have done an attempt to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Correct the following accounts on my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX 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: Mortgage

Good morning CFPB, I wanted to add to my file case # XXXX. I wanted to also state that they have miscalculated my income to expenses, Bank of America has denied me on the programs Hardest Hit Fund/Bank of America 's loan Capitalization program. I have my application completed as showing {$7300.00}. B of A is showing {$6300.00}. Now of all these programs out there I can not believe that none can qualify us for a new a Loan Modification. Ok thanks for your time.
Product: Debt collection

XXXX XXXX XXXX XXXX called XXXXXXXX XXXX XXXXr. XXXX XXXX  does not accept personal calls. XXXX  XXXX  requested agency 's address to send a formal notice that personal calls are not accepted. Agency refused to provide. Agency stated they had no compliance department and no supervisor. Agency claimed corporation was " harassing '' it by stating that they were violating the FDCPA by not providing accurate contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have inaccurate information reporting on my consumer report which is NOT in compliance with the FCRA.
Product: Prepaid card

I purchased a vanilla gift card in the amount of {$470.00} from grocery store, XXXX, on XX/XX/2023. On XX/XX/XXXX my giftcard was used and depleted at multiple XXXX stores. I did research and noticed the largest transaction were made at a XXXX in XXXX XXXX, NY. I never attempted to use this card at a physical store.
Product: Debt collection

I AM GETTING CALLS FROM A COMPANY NAMED " CHAINLINKED SERVICES '' ABOUT DEBT COLLECTION. 

THEY ARE CALLING AND LEAVING THE NAME OF A FAMILY MEMBER IN THE MESSAGE WITH THREATS THAT THEY NEED TO CALL IMMEDIATELY OR THEY WILL BEGIN LEAGLE PROCEEDINGS. BUT THEY ARE LEAVING THIS MESSAGE ON MY TELEPHONE AND I LIVE IN ANOTHER STATE. 

THEY HAVE LEFT THE SAME MESSAGE NOW OVER 3 TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another viloation. 
I have all the evidence attach below.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent check that was issued to me in XXXX. The check number is XXXX, and the amount is {$95.00}. This check was issued as a refund for the annual fee on my Chase credit card ( Account ending in XXXX ). However, despite not cashing the check myself, it appears that someone fraudulently cashed it. I have attached an image of the check for your reference. 

I previously submitted a complaint to Chase regarding this matter but have yet to receive any response or resolution. I am requesting that Chase reissue a replacement check for the amount of {$95.00} and investigate the fraudulent activity surrounding the original check. 

Given the lack of response from Chase, I am seeking the assistance of the Consumer Financial Protection Bureau to resolve this matter promptly. This is a serious issue involving my financial security, and I trust your team will help facilitate a resolution. 

Thank you for your attention to this issue. I look forward to your assistance in bringing this to a fair conclusion. 

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

In Accordance with the Fair Credit Reporting act the account below has violated my federally protected consumer rights under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A section XXXX states that a consumer reporting agency can not furnish an account without my written instructions. ( Which were given through email on XX/XX/XXXX ) 15 USC 1681c ( a ) ( 5 ) 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 USC 1681s-2 ( a ) ( 1 ) states 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. 

On XX/XX/XXXX, I filed an order to show cause to vacate judgement, which was approved in court. 
On XX/XX/XXXX, I wrote indicating that I had no responsibility for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

Bottom-line is PennyMac had pulled a Flood Insurance policy in my name on XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX XXXX with out ever sending me any notification that this was done behind my back. I did not know this was happening until I made by XX/XX/XXXX house payment. The policy was done without every know this action was going on and now my escrow account is short funded!!! I was never notarized of this action causing my escrow short almost {$3000.00} dollars. They PennyMac is now trying to state that I was informed. Which is a XXXX XXXX lie.
Product: Credit reporting

XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have sent you my Drivers License. Her social security is XXXX. 
She does not do business with XXXX, XXXX, XXXX, and XXXX of the XXXX Bank XXXX are not hers. PLEASE DELETE THESE INQUIRIES.
Product: Mortgage

Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.
Product: Vehicle loan or lease

My husband bought a XXXX XXXX XXXX from XXXX with financing through Bridgecrest in XX/XX/XXXX. I was not a party to the loan. My husband was a couple payments behind when he passed away on XX/XX/XXXX of this year. On that same day a representative of Bridgecrest contacted me about the past due payments. I explained that my husband had died just hours earlier. She said if I didn't make a payment they would repossess the car immediately. I was overwhelmed and grief stricken and she said even though I wasn't on the loan paying them would give me time. I authorized a payment of {$290.00}. On XX/XX/XXXX I sent them a screenshot of my husband 's death certificate. The company then contacted me back and said they could no longer discuss the loan with me since my name wasn't on it. They told me if I wanted I could assume the loan but I had to get insurance and transfer the tags to me and provide personal documentation including income verification. They sent me paperwork that they said needed to be completed in 2 weeks. I contacted them on XXXX  XXXX  and told them I was unable to get the income verification done since Social Security and OPM ( my husband was retired government employee ) were backlogged due to COVID. They said I needed to give them more money for an extension so I authorized another payment of {$290.00}. They gave me another 10 days. On XX/XX/XXXX I called back to tell them I still didn't have the information. They said I had to make another payment so I authorized another {$290.00}. On XX/XX/XXXX Bridgecrest contacted me and said they wanted me to get more information that required me getting in touch with my husband 's daughters and getting them to sign off on the car. One of my stepdaughters was estranged from her father at his time of death and refused to speak to me. I purchased a car 2 days later. Bridgecrest repossessed the car a week later.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that Jefferson Capital Systems LLC immediately cease and desist all communication with me regarding any alleged debt that you claim I owe. This demand includes, but is not limited to, communication by telephone, mail, email, or any other form of contact. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.

Please be advised that failure to comply with this demand may result in legal action against your company, including but not limited to claims for damages, statutory penalties, and legal fees.

Thank you for your immediate attention to this matter. I expect written confirmation of your compliance with this demand within 30 days of your receipt of this letter.
Product: Student loan

This complaint is regarding my recent loan consolidation with Nelnet. This amidst another complaint at the CFPB XXXX as clearly the issues were not resolved. The application ID is ID : XXXX. I am doing this amidst having applied for a Borrower Defense Discharge based on the rationalization that it will both speed and ease this eventual process and also in light of seemingly parked malicious ediscovery efforts linked to my accounts and uses of these loans by other groups at the Department of Ed for other purposes while those involved plan around using them in a situation where they are actively involved in prolonged privacy and human rights violations and actively seeking to compel my financial destitution and relying on these things in their takeover of projects like copyright XXXX. In my application despite having updated my address and email at multiple US Dept of ED departments including the FSA my address on my consolidation application reflected XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It also contained my former XXXX email address. As stated I updated this at other departments, Social Security had to confirm and not sure why this not synced. However, I made sure to correct and change this to my current contacts. In my application I included two individuals who are working on my issues due to the unusual nature of my personal circumstance XXXX XXXX from XXXX XXXX and XXXX XXXX of the US Department of ED. I think General Counsel from XXXX XXXX  XXXX XXXX would be someone also. However, I included the correct address which is different from my own. However, despite consciously doing this I received an email from Nelnet indicating I had provided an incorrect address or the same address as my references. Neither were correct statements and it is not clear what is going on but I believe a possibility that my application being sabotaged in light to the issues described in efforts to stall and delay.
Product: Consumer Loan

Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three  Bureaus, XXXX, Experian, and XXXX.