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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports, effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my credit report, despite thirteen previous attempts to have them removed. Despite providing extensive evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

As a victim of identity theft or fraud, I am entitled to prompt resolution of these issues under the Fair Credit Reporting Act ( FCRA ). It is unacceptable that your agency has failed to take appropriate action to address this matter and rectify the inaccuracies on my credit report. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. I have attached copies of all previous correspondence, dispute letters, and supporting documentation for your review, and I request that you conduct a comprehensive review of this information to facilitate a swift resolution. 

Failure to resolve this dispute promptly will leave me with no choice but to pursue alternative avenues for seeking redress, including legal action to enforce my rights under the FCRA and obtain appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a formal complaint and dispute regarding an account allegedly held by XXXX XXXX, which is currently being managed by Sage Capital Recovery and reported to the credit bureaus by XXXX XXXX XXXX. 

I first became aware of this account when I reviewed my credit report, as I have no recollection of ever having entered into a lease or credit agreement with XXXX XXXX. Upon noticing this on my report, I immediately reached out to XXXX XXXX XXXX for clarification. They, in turn, directed me to Sage Capital Recovery, who is apparently managing the debt. 

As part of my dispute, I requested a debt validation from Sage Capital Recovery. The documents they provided, which I have attached for your reference, do not contain any signature, identification, or any form of proof that I ever consented to or authorized this account. The validation documentation lacks any evidence of my agreement to this debt. 

Furthermore, I would like to bring to your attention the consent order issued by the Consumer Financial Protection Bureau against XXXX XXXX. This order permanently bans XXXX XXXX from offering or providing consumer leases and requires them to release all consumers from their existing lease agreements without further financial obligation. This order should logically encompass the account being reported in my name. 

Despite providing XXXX XXXX XXXX and Sage Capital Recovery with the aforementioned court order and disputing the legitimacy of this account due to the lack of proper validation, both companies have failed to take any action to remove this account from my credit report. This inaction has caused undue harm to my credit, and I believe it is in direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

As such, I am requesting the following : Immediate removal of this account from all credit reports : Due to the lack of proper debt validation and the application of the CFPBs consent order against XXXX XXXX, this account should not be reported. 

Investigation of Sage Capital Recovery and XXXX XXXX XXXX : Both companies have refused to remove the account from my credit report despite being presented with the lack of validation and the CFPBs enforcement order against XXXX XXXX. 

Appropriate penalties or corrective actions : I request that the CFPB ensure that both Sage Capital Recovery and XXXX XXXX XXXX are held accountable for their failure to act in accordance with consumer protection laws and the court order. 

I have attached all relevant documentation, including the consent order from the CFPB, the correspondence from Sage Capital Recovery, and the debt validation documents ( which do not contain any signature or evidence of my consent ). 

I would appreciate your swift attention to this matter, as it continues to impact my financial standing. If any further information is needed, please feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your time and assistance. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.
Product: Credit reporting or other personal consumer reports

LVNV responded to complaint XXXX, in which I disputed an account based on the illegal business practices conducted by the alleged original creditor. LVNVs response merely included information on the loans origination date, which constitutes hearsay, as no supporting documents were provided. Furthermore, I was never notified by the original creditor or LVNV that this account was being sold to a third-party company. 

How can a collection agency that I have no prior relationship with claim ownership of this debt without any notice or documentation from either the original creditor or LVNV at the time of the transfer? This lack of transparency raises significant legal concerns. 

Additionally, the way this account is being reported violates FCRA regulations. According to the FCRA : Collection accounts can not show late payments or a past-due status since the debt is already considered defaulted. 
Reporting payment history on a collection account is a further violation of federal law. 
I am once again demanding the immediate removal of this account due to multiple violations of the FCRA and FDCPA. Enclosed, you will find the True Bill with instructions for remittance. Please address this matter promptly to avoid further escalation.
Product: Debt collection

In XX/XX/2021, I requested from the company in question the method of validation used in claiming this debt belongs to me. They have yet to send me any information to which they claim.
Product: Credit card or prepaid card

I went to go pay my Walmart credit card bill of XX/XX/XXXX a day early than what I was suppose to, when I went to make a payment instead of typing in the correct amount of {$1000.00} she typed in {$12000.00} which was NOT my payment, so I called my bank to cancel the check so they wouldn't take {$12000.00} out of my checking account. They said they would get it all cleared up well I called a few days later to see and they had not gotten it cleared at all, they told me my remaining balance was {$13000.00} dollars so on top of adding the difference between {$1000.00} and {$12000.00} they added a late charge for me not paying my bill on time when I tried to pay it early. It has been a month and nothing has been done but they told me they had lowered my credit limit and that this could effect my credit score. I just want them to accept my payment of what I owed and clear out the charges that THEY added to my card and they said that they only had one person who could fix it in the whole company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I paid my arrears that had my account in foreclosure. The account was in a XXXX  XXXX because of the arrears and foreclosure. The account is now current and is still reported by Bank of America as in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
-- -- -- -- -- -- -- -- -- The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier this year : Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.

Please send me a written confirmation that you have blocked this information from appearing on my credit report.Thank you for your prompt attention to this serious matter. 

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

I am writing to bring to your attention a matter of significant concern regarding Nelnet, a loan servicing company responsible for managing my student loans. Nelnets actions to be in violation of the regulations and requirements set forth by the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2023, I formally requested from Nelnet the Original Instrument of Indebtedness for my student loans, as is my right under the law. My request was specific in nature, seeking a document that holds legal significance and is crucial for a clear understanding of the terms and conditions of my student loans. 

Regrettably, Nelnet did not comply with my request as they not only failed to provide the Original Instrument of Indebtedness but also furnished a promissory note that contains incorrect information. The inaccuracies within the promissory note include errors in my address, email, and school name, which is a grave oversight on their part. Furthermore, the document they provided lacks my wet signature, which raises doubts about the authenticity and validity of the information therein. 

This situation is of utmost concern to me, as the accurate documentation and disclosure of my student loan terms are essential for my financial well-being. The inaccuracies and absence of my signature in the provided promissory note only exacerbate the uncertainty surrounding my student loans. I am troubled by Nelnets noncompliance with the requirements set forth by the CFPB and their apparent disregard for the importance of transparent and accurate communication with borrowers.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action against Nelnet to ensure their compliance with the regulations governing the student loan industry. I also seek guidance on how to rectify this situation and obtain the accurate Original Instrument of Indebtedness for my student loans.
Product: Credit card

I opened a new account XXXX and purchased about $ XXXX {$400.00} of clothing. I have received some items in the mail with no invoice attached. I'm not sure if I have received all that I ordered. I was supposed to be given a 25 % discount on my first order. 
I can not access my account online. I have received nothing confirming my order. 
I have tried dozens of times resetting the password for access, using different computers. Still no access. I have spent hours on the phone with customer service that has offered no help. I don't have any way to see a receipt, pay my bill or verify what I have purchased and there seems to be no where to go in this company for help. 
I am receiving Macy 's advertising emails after i signed up for my account
Product: Bank account or service

Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.
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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$850.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I XXXX XXXX, was fraudulently induced into sharing account access information to someone who was impersonating a Bank of America agent. On XX/XX/2023, I had received a text message from XXXX stating that a Bank of America fraud representative is trying to reach me. This person tricks me into believing that someone was trying to make a purchase for a French bulldog in XXXX, Georgia under my bank account. When they called, the caller ID appeared as " Bank of America '' with a spoofed Bank of America phone number ( XXXX ) To remedy the dilemma, I was instructed to send payments of the same amount via XXXX, and out of fear, I immediately obliged. I did the transaction twice, being tricked that both times I was sending money to myself. I was robbed of {$7000.00} on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a an installment account with XXXX XXXX I made my first 2 pmts which were stopped by citibank because of an old fraud hold which was not removed after the first stopped payment.The XXXX XXXX account was cancelled because of the SECOND STOP.As a result of citibanks direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
XXXX requested i contact citibank and clarify the situation but to no avail citibank would not correct the matter
Product: Debt collection

This complaint arises out of a consumer credit transaction for a XXXX XXXX XXXX that is used for personal, family and household purposes. This vehicle was purchased on my credit card Pursuant to 15 usc 1602l ( ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) on XX/XX/XXXX from the seller XXXX, XXXX. 
This transaction occurred from a credit sale according to 15 usc 1602 ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. This credit sale sealed the deal within this agreement. In XX/XX/XXXX, I began to receive several statements from Bridgecrest XXXX XXXX XXXX ( Bridgecrest ) informing me that they are servicing a loan. On XX/XX/XXXX, I sent certified mail to Bridgecrest in regards to these statements about a loan that stated was due. In the attached exhibit ( see exhibit A ), it shows that Bridgecrest created an account with my private information and is making attempts to collect on an alleged debt that they have refused to validate. Bridgecrest, XXXX XXXX, has also stated that this alleged debt does not have to be validated and that they will continue to injure me by unlawfully repossessing my property without a court order. 
Under the fair debt collection practices act ; Congress states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : and furthermore, The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
How can a debt be owed on a credit sale, which Bridgecrest admits that this transaction was a sale and not a 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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.