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

Subject : Cease Unauthorized Credit Reporting : Violation Notice Under Virginia FCRA Identity Theft Fraud Laws Dear [ NATLCRSYS ], I am writing to address a grave violation concerning 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 ), the Virginia Code under Sections [ cite relevant sections ], and identity theft laws, specifically Virginia Code Section [ cite relevant section ]. 

It has unequivocally come to my attention that [ NATLCRSYS ] 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, Virginia state law, specifically [ cite relevant sections of the Virginia Code ], emphasizes the necessity of consumer consent for credit reporting. Furthermore, Virginia Code Section [ cite relevant section ] establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws, such as Virginia Code Section [ cite relevant section ], underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for [ NATLCRSYS ] 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 an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that [ NATLCRSYS ] 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 relevant sections of the Virginia Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Virginia state law, and identity theft laws. 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 [ NATLCRSYS ] will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX Date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account with XXXX XXXX XXXX opened on XX/XX/XXXX with the account number of XXXX and a loan with XXXX  Loan operations opened in XX/XX/XXXX with account number of XXXX. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud as well as the hard inquiries that are listed in my identity theft report. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and auto loan are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX customer. I wasn't satisfied and asked how to send the equipment back. I was told I would be send a box and stickers to ship it back that I never received. When I started getting bills for the equipment I called several times and said that I had it and was ready to send it back once they helped me and the told me that even if I returned the equipment now it would not remove the debt owed and they had turned it over to collections despite my many attempts to return it. I do not have date because this happened years ago.
Product: Consumer Loan

They did not process my payment when they said they would and charged me {$140.00} in extra interest, admitted to me on XXXX separate phone calls it was there systems fault then today determined I had to pay the interest anyway despite a screen shot showing the payment conformation of XX/XX/XXXX. They keep giving the run around and are auto deducting the money from the account.
Product: Debt collection

I have a account in collects stating I owe money for a hospital visit at XXXX XXXX XXXX XXXX for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions each time they were not able to find any info when i gave my name XXXX XXXX and social security however it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$30000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$940.00} XX/XX/XXXX
Product: Debt collection

I have been contacted by a debt collector that refused to provide me with the proper documents I requested. I keep getting calls stating the I must I identify and verify everything before they can give me any information. I asked for a validation letter, a purchase agreement and/or an assignment of debt. I also asked for a 1099 if the debt has been reported as a charge off. so far I have not gotten anything others than calls. I also wanted to make sure that they are reporting anything on my credit files unless it is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 Accounts : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX  XXXX-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records
Product: Debt collection

I received a letter dated XX/XX/XXXX from ARSTRAT  regarding an attempt to collect a debt of {$120.00} fromXXXX XXXXXXXX, ARSTRAT reference number XXXX. I sent my dispute of these claims on XXXX via certified letter usps tracking # XXXX. Which ARSTRAT received on XX/XX/XXXX. I received a second debt collection letter from ARSTRAT regarding the same reference number XXXX now in the amount of XXXX. Neither debt is correct and I have already explained all the details of XXXX XXXX failure to manage my account correctly in the letter I sent via certified letter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Transunion has listed inaccurate unverified information on my consumer report. They have listed unverified inaccurate and fraudulent evictions from addresses I've never lived. I have contacted the XXXX XXXX XXXX and XXXX XXXX XXXX and they have informed me that the cases filed belong to a XXXX XXXX with no SSN social security information provided. This is obviously someone else with the same name as me. This is also a direct violation of my rights under the Fairs Credit Act.
Product: Checking or savings account

I made an online purchase and was double charged XXXX from XXXX XXXX, I tried to contact the merchant I didnt get a response, I contacted the bank.
Product: Debt collection

Account involved in litigation!! " I have not supplied proof under the doctrine of estoppel by silence, to XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' Bridgecrest call my phone everyday all day after I asked them to cease all communication with me. Thats a {$1000.00} each time they call me, per FCRA and they havent stopped yet. 

BRIDGECREST EMAILED ME THE ATTACHMENT BELOW. Wheres the validation I asked for? That you were suppose to provide? You stating its my debt, is a violation of the FCRA. Because this is my third time, disputing this asking for validation of the debt that cant be validation obviously. Remove it from my credit report or Ill seek legal action.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXXXXXXX-XXX has violated my rights 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 an account without my written instructions.
Product: Credit card

I disputed a charge on my Capital One statement for {$250.00}. I was charged by " XXXX *Seeking Alpha ' ( XXXX XXXX XXXX as it appears on my credit card statement and I cancelled the subscription directly with Seeking Alpha. However Seeking Alpha ( XXXX ) did not refund my funds and I disputed the charge with Capital One ( CO ), my credit card company. I tried to call XXXX with the phone number posted on the credit card statement ; however there is no one to speak with at XXXX. ( You can only correspond by XXXX mail ) I received a charge back ( Purchase Adjustment ) from CO and after a few weeks I received a reversal of the charge back from CO based on information that CO received from XXXX. I appealed the decision with CO and provided CO with information from Seeking Alpha ( XXXX ). 

XXXX advised me that I was entitled to a refund from XXXX. XXXX advised me that the {$250.00} was reversed in the the XXXX Account and I should contact XXXX to receive my credit of {$250.00}. XXXX advised me that that I should contact XXXX and receive my refund from XXXX. 

In effect no one has helped me resolved my problem. CO advised me that I must contact XXXX or Seeking Alpha ; XXXX advised me that I am entitled to a refund and I should obtain it from XXXX, the payment-processor. XXXX advised me that I must contact XXXX, the originating vendor ( developer of XXXX ) to to obtain the refund. This is quite insane
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I traded in a vehicle to a dealership who obtained a 10 day payoff. The payoff was mailed in and arrived and posted to the account on XX/XX/23 in the amount of XXXX. The regular payment of XXXX was due XX/XX/23 and after XX/XX/23 a 10 day XXXX dollar late fee was added. The amount received and posted by XXXX XXXX XXXX on XX/XX/23 was approximately XXXX dollars short of the payoff due to the late fee and the extra days until the check posted. I had contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, numerous times during the entire time to check on the payment. The dealership did send the extra XXXX dollars and the account was fully closed and paid in full. 5 years early. I understand the payment was 13 days late and the late fee was paid. XXXX reported the payment as 30 days late to Experian and it lowered my Fico score substantially. I have tried to resolve this with XXXX and recently Experian has tried. XXXX feels the payment was 30 days late, I disagree I believe the check posted 13 days after the payment due date should represent a payment, its unfortunate the mail was delayed or the mailroom at XXXX posted the check 13 days after the payment due date never 30 days late. Thanks for you help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to take a look at my credit report and noticed that I had a hard inquiry from XXXX. I have no knowledge of anyone trying to get a XXXX account under my name. I been on XXXX account with my husband for the past 2 1/2 years, so their is no reason why I should have this on my records. I am disputing this as it was due to fraud, someone used my information to open a account with XXXX without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XX/XX/XXXX. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name :XX/XX/XXXX XXXX Inquiry Date : XXXX XXXXXX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX  - CARD SERVICE.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The CBE Group Inc. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done XXXX disputes to XXXX  and equifax on my car loan report on my credit it is showing late payments for months that were paid Months XXXX, XXXX, XXXX, XXXX are all up to date but it is showing late payments plus the date are wrong it is showing that the last payment for XXXX  were XX/XX/XXXX in the amount of XXXX and it is showing a balance of XXXX but the balance on my santander account is XXXX and on my equifax it is showing last payment was made XX/XX/XXXX which is incorrect my last payment was XX/XX/XXXX in the amount of XXXX dollars which has extended my account until XXXX and it is also showing the balance of XXXX which is also incorrect. I have did disputes, also called and tried to get them to fix it and they are still messing up my credit score!
Product: Credit card or prepaid card

I only use my credit card to pay my bills online to the utility companies, XXXX or other reputable companies. 
The card never leaves my purse, except when I buy gas. 
I put it into the pump. There has to have been a skimmer or a shimmer in the pump. A thief stole my info and charged phone calls to another thief at a prison. 
Capital One cancelled the card and is doing an investigation. 
I have 2 complaints : 1 ) I asked multiple people at Capital One if they use the XXXX XXXX for their chips in the cards. XXXX is another layer of protection that prevents copying the info on my magnetic strip. 
No one could answer me. UNACCEPTABLE! 
I want to know if Capital One uses XXXX. 
If not, why? 
This sounds like a class action law suit. I will be contacting a lawyer. 
2 ) When I gave the Fraud dept my landline phone # Capital One 's system could not identify it. I opened the account with that phone #. I then gave them my cell phone #. It too could not be identified. Now I have to wait XXXX week for them to verify my ID info that I submitted and another week to get my new card. 
I'm being penalized for a thief who stole my money. 
UNACCEPTABLE!