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

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Checking or savings account

I received a debit card in the mail on XX/XX/22 issued by Navy Federal Credit Union, this was not an account I opened or authorized to be open. I called the financial institution on XX/XX/22 at XXXX advising them the checking and savings accounts listed with the debit card were not opened by me or anyone I authorized. They submitted the claim to their fraud department and I received a confirmation number. I also submitted claims to the credit bureaus as well as indentitytheft.gov, as advised by my local state representative 's office.
Product: Checking or savings account

Citi blocked my account without notice, I called them and they told me that my account has been closed, there is no email, letter, or phone notice made prior to this. Despite this, they told me it takes 60 days to receive the balance from the account, I asked the customer service what can I do as I need money, they hang up twice.
Product: Credit reporting or other personal consumer reports

On the first of XXXX ( and actually a few more months before than ) I have been disputing the inaccurate reporting and findings on my report that arent mine and that are not 100 % accurate by FDCPA and FCRA regulations. The accounts that are reporting inaccurately are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive been disputing this account since XXXX of XXXX. This Bridgecrest account was removed from my XXXX & XXXX Credit report as of XX/XX/2021 because they did not provide the correct information according to State of Florida State XXXX  and XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. nor did they provide this information in a timely manner. And also they were reporting inaccurate information to my credit report. Once I did receive this information in the mail it was all falsified and Re-typed information. I noticed they put a falsified electronic signature on the contract. They did not provide me with a copy of the ORIGINAL CONTRACT with a WRITTEN signature on it. I NEVER gave consent for them to use a electronic signature on my behalf. I also sent out Letters to XXXX and Bridgecrest asking them how they verified the debt around XX/XX/2021 Certified mail return receipt. Bridgecrest NEITHER company has responded and its been beyond 30 days! Nor did they respond with the correct information that I asked for which implies that they did not complete the investigation process correctly. I have attached pictures of the certified mail return receipts along with this complaint. The only responses ive received is them stating that they DID verify the debt but they did not tell me HOW they verified the debt. Please Delete the Bridgecrest account from my credit report as soon as possible! As it is hindering me greatly. I have attached pictures for proof of evert=ything ive stated in this complaint. i've also already filed an FTC affadavit against this account which ive included with report as well.
Product: Debt collection

I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The Javitch Block main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service  came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with XXXX visa credit card. 
That is why I writing again on this company Javitch Block because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from Javitch Block. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what XXXX has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from Javitch Block on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. XXXX.
Product: Debt collection

Dear Helvey & Associates , Inc., I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and Helvey & Associates , Inc . I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and Helvey & Associates , Inc. that evidences my agreement to pay the alleged debt in question. 

2. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with my signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that Helvey & Associates , Inc. has made false or inaccurate claims regarding this debt.

3. Request for Purchase Agreement I respectfully request that Helvey & Associates , Inc. to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, Helvey & Associates , Inc. has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, Helvey & Associates , Inc. can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If Helvey & Associates , Inc. merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. Helvey & Associates , Inc. must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.
Product: Student loan

I applied for the SAVE repayment plan in XXXX. It is still not reflecting on my account. I have been told numerous times that it would be fixed or escalated. Nothing has happened. I call and get no response at times. Aidvantage keeps telling me to place my loans on forbearance but that does not fix the problem. I will still accumulate interest and my balance will grow. Aidvantage will make millions more due to processing these applications incorrectly. I was told by one supervisor that it was an error on their side. I was told they are not willing to reimburse me for their error. I am paying over 4x what I should be paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted a dispute about XXXX XXXX  on my Experian credit report. Firstly, this supposed debt is not on XXXX credit report so therefore it should be removed due to inconsistencies across 3 credit reporting agencies. Secondly, I reference multiple consumer codes stating I did not authorize this disclosure on my credit report ( 15 U.S. Code 6802 ). In addition, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Goodleap continue reporting XXXX XXXX XX/XX/XXXX payments as 30 days late to all credit reporting agencies. At the same time their payment history shows XX/XX/XXXX and XX/XX/XXXX as payment being paid on time, well within 30 days of due date.
Product: Vehicle loan or lease

Us auto sold car loan to westlake they dont have a contract and I was charged XXXX in interest fees the car is not even worth that now westlake calls me 20 times a day including sundays
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account or inquires
Product: Credit reporting or other personal consumer reports

I am presenting this complaint to express my appreciation for your previous efforts in removing some of the fraudulent inquiries from my credit file, which were a result of an alleged identity theft incident. However, there remain several items that require immediate attention and removal. This marks my third complaint, underscoring my status as a victim of identity theft, and I am disputing these specific items in my Experian file resulting from this crime. The items in question are unrelated to any transactions wherein I obtained possession of goods, services, or money, nor have I authorized such transactions. I urgently request the removal of the reporting of these items in my credit file, as they are unknown to me. Additionally, I have reservations about the accuracy of the reported history on these items, given that the information provided has already been deleted from other bureaus. As mandated by FCRA Section 605b, Credit Bureaus are required to remove any items listed on an identity theft report. To facilitate your investigation, I have included my FTC Report with reference # XXXX. Outlined below are the specific items that require immediate removal from the Experian Credit Bureau : **EXPERIAN** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai / HMFUSA.COM had an error on my XXXX XXXX XXXX lease. They Had put that I missed 2 payment 's Which is incorrect it's on autopay. I provided them with the copy of the monthly autopay from there financial website. 
Even then after providing them with the information they had my car towed. Costing me to pay {$1.00} for Hyundai comes to find out it was not for late payments it was for excise tax in the state of Massachusetts and I haven't received any notice on the mail. Notice I have two Vehicles lease with them never had any problem the second car is a XXXX XXXX XXXX. 
After the issue I ended up also having to pay for the tow that was {$350.00}. So {$350.00} for tow {$1500.00} for Reinstatement fees according to them and the excise, which I haven't received any notice in the mail or haven't got taken out of the autopay that they have with my bank account. So my vehicle got repossessed for not making payments is not correct. It was not sent to me the excise tax for some reason and they also marked my credit report for 2 missed payment 's on my lease payment 's Which is incorrect. They claimed they can't fix the error.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Chase Card Services stating that they would be taking negative action against my credit line based on an unsolicited credit review of my account. In the letter, it clearly stated that if I wished to preserve my rights in disputing the finding that I must send a reply in writing. 

On XX/XX/XXXX, I sent a letter providing additional information disputing their findings and providing additional information. 

Only XX/XX/XXXX, I received a phone call informing me that if I wished to dispute the negative action on my credit that they require that I wave my rights to have my dispute be handled in writing. I informed Chase that I had no intention of waving my rights and informed them that I want my response in writing. I then wrote another letter to them stating that I do not wave my rights to having my dispute handled in writing. 

On XX/XX/XXXX, I received another letter from Chase stating once again that if I wished to dispute the negative action on my credit that they would not handle it in writing but I would instead need to call them. In the letter they said that this action was being done, " to be fair '' ( no explanation of how waving my rights of my dispute in writing is supposed to be fair ).
Product: Debt collection

Midland Credit Management aka Encore Capital Group are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX. XXXX XXXX ( Division Manager ) has been sending me notices every 30 days despite not being able to prove that their account belongs to me. Midland Credit Management aka Encore Capital Group has received several notices from me and I need XXXX XXXX ( Division Manager ) to stop sending me letters. I will not respond to any more mail. 
I do not know how Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) received my personal information. Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) are debt collectors and are harassing me and I will not stand for it. I have not received any services from Midland Credit Management aka Encore Capital Group or XXXX XXXX ( Division Manager ) Recently I priority mailed Midland Credit Management aka Encore Capital Group letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Product: Credit reporting or other personal consumer reports

XXXX, Experian , & XXXX are reporting late payments that are incorrect. I was not indeed late and they have provided no evidence to prove that I was late. Furthermore I can not be late on an account that is funded with a security that is my financial asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsifying documents to the Consumer Finance Protection Board, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX  up there in XXXX nobody will anything about it but I have a voice too and Im going public on you and your XXXX XXXX XXXX  company. 

You broke the law and justice will be served. Wait for it.
Product: Credit reporting or other personal consumer reports

Nelnet is reporting JXXXX XXXX XXXX day late payment on XXXX accounts. There is no amount due at this time. I was never notified of XXXX day or XXXX day late payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX are all fraudulent accounts