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

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I noticed a collection on credit karma from Professional Credit Management Collection agency in which I did not recognize the collection company. I immediately mailed a certified letter requesting validation of the debt. In turn, Professional Credit Management collection agency sent me records detailing sensitive information about my health in which my family did not have prior knowledge violating my HIPPA rights. 

I did not sign nor give consent to Professional Credit Management collection agency permission to obtain my sensitive health related documents which is my right as a consumer. 
Professional Credit Management Collection does not have in their possession a HIPPA release document with my written signature nor have ever received a verbally consent to to release my personal health related documents from me which is punishable by law. 
Therefore, I am demanding Professional Credit Management Collection Agency to immediately to cease all collection efforts and to remove Account numbers XXXX and Account number XXXX from all Credit Bureaus including XXXX, XXXX, and XXXX immediately. This has provided great mental anguish and hurt to me and my family. I have provided documents to support this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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

looking over my credit profile a lot of information is invalid I am disputing all incorrect information on my Equifax to help my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft. Fraudulent accounts have been opened in my name as a result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that all accounts listed below be blocked and deleted from my credit report immediately. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This account was closed on XX/XX/22 and a representative waived my outstanding balance ( the annual fee ), but failed to remove it from my account and reported the amount as overdue to credit agencies. It still shows as overdue and my credit score has been negatively impacted.
Product: Credit reporting

TransUnion had a glitch in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

Sent the settlement offer to the complaint, which they agreed too. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Part of the agreement to the settlement was to discontinue legal action. This has not been done. Case is up for adjudication Monday, XX/XX/2023 in the XXXX XXXX XXXX a XXXX XXXX XXXX No. XXXX.
Product: Vehicle loan or lease

Chrysler Capital has not accepted my payment money orders as a Tendered value payment that I made payments to them on the car payments I have sent them a letter with a payment money order. I have Tender the payment Ucc 3-603 and 3-311 they have not acknowledged the payment as instructed by law. Chrysler Capital never informed me of the TRUTH IN LENDING A.K.A REGULATION Z- 12 CFR 1026. I have contacted them and I have tried to reason with them and I am still getting a refusal from them Chyrsler Captial and they have been threatening that they are going to repose my car if I don't send them another form of payment they are not accepting my money orders for the value that has been tender and sent they have violated my rights consumer rights 15 US 1605. From day one. when I first bought this car put a {$500.00} dollar downpayment on this car I never was told about consumer laws or handed any papers in my hand or given my full contract about any consumer laws when I got home and looked at my contract it only contained three papers one was RETAIL INSTALLMENT SALES CONTRACT, NON -LEASED VEHICLES ODOMETER DISCLOSURE AND GEORGIA LEMON LAW AND IN THE CONTRACT OF THE RETAIL INSTALLMENT PAPER IT SAID NO COOLING OFF PERIOD meaning I can not change my mind. I was deceived on all matters of this contract all my rights were violated I had been taken on a ride my consumer rights were violated 15 us code 1635, 15 us code 1602, and 15 us code 1605 were not told to me, or handed any papers to me on consumer laws. my name is XXXX XXXX Chrysler Capital account number XXXX for my car
Product: Credit reporting, credit repair services, 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 : # 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

An authorization appeared on my account for {$400.00} on XX/XX/XXXX for XXXX. I immediately, that day, started a dispute. I called XXXX also, they verified it was fraud as well. The bank paid the disputed authorization anyway the next day. They refuse to provide a provisional credit without their paperwork filled out and returned to them by XX/XX/XXXX. As of today, I still have not received the paperwork. Everytime I call, I get a different story of what they are waiting for and why. I need the money back now. 
Bank name : Fifth Third Bank NA card type : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You 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. 

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, XXXX XXXX XXXX, have been a victim of identity due to several data breaches, including XXXX, XXXX, and the XXXX  XXXX. I try to keep up with my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed there were several injuries on my credit report, including an address I never lived at and an account that is a result of identity theft and is not mine. 



These addresses are not mine, and for accuracy, my credit report shows only my living address, including where I pay utilities. My only address is XXXX XXXX XXXX, XXXX XXXX, XXXX, LA, XXXX is my old address. I have attached my lease for accuracy and will update the credit bureau with my utility bill. 

These are not my address below. 

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  -- - These are not my account and it's a result of identity theft due to the data breach. 

XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance : {$5100.00} Date opened XX/XX/year> XXXX XXXX  Account number XXXX Date opened XX/XX/year> Balance {$10000.00} these are not mine and i have no knowledge of them.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX THRU GM FINANCIAL ON XX/XX/XXXX - THE VERY NEXT MONTH THE PANDEMIC STRUCK AND EVERYONE WAS LITERALLY LAUD OFF INCLUDING ME, SO I SPOKE WIRH GM AND THEY WERE OFFERING A LOAN FIRGIVENESS PROGRAM THAT THEY SAUD I WOULD JUST GACE TO SURRENDER THE VEHICLE, which I DID AND THEN THAT MY ACCOUNT WOULD BE MARKED AND REPORTED TO THE CREDIT BUREAUS AS PAID AS AGREED. That was NOT WHAT THEY DID THOUGH!!! THEY RE-SOLD THE CAR AND RECOVERED THE LOAN MONEY WIRH THE RE-SALE MINUS XXXX and SO THEY SLAMMED MY CREDIT FIR XXXX AND ARE REFUSING TO CHANDE IT THIS XXXX XXXX ABD UNFAIR!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts below continue to report on my credit report despite several written requests there are still incorrect accounts.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected or removed immediately : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Balance Owed : {$100.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit card

I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$0.00} Chargeoff Regular XXXX XXXXXXXX XX/XX/XXXX Balance Owed : {$260000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

I was told by Navient that i was qualified to have some of my students loan debt forgiven after i was employed at the technical school for a period of 5 years. The the school i teach at qualifies because it serves the low income community. At my 5 year mark 2 years ago i sent in all the proper paperwork for my student loan forgiveness. Several months ago they called about my loans and said i was behind. I told them that i was told after i submitted the student loan forgiveness paperwork that i would be recontacted about the loan forgiveness and if there was a remaining balance then i would work out a new payment plan. I ended up taking another forbearance because they pushed me to take on to hold my loans from defaulting and still can tell me the status of my student loan forgiveness. They now tell me they don't know where my paperwork is for forgiveness or the status of my loan forgiveness because its done by a third party. they also can not tell me what third party may have my paperwork or even if it is lost. I am willing to resend it. I have lost trust in this Navient company all they seem to want to do is give me a forbearance or hardship they don't want to work with me to help me find out the status of my forgiveness.
Product: Debt collection

I do not have any outstanding balance with Santander Bank. Furthermore, I have not had any financial dealings or obligations with your institution that warrant these late payment reports. Despite this, my credit report erroneously shows late payment entries with a XXXX balance, which is negatively impacting my credit score and financial standing.
Product: Student loan

I asked Mohela back in XXXX about the loan adjustment and forgiveness but no answer. Then on XX/XX/XXXX the following : " Your 12-month period of payments under the Saving on a Valuable Education ( SAVE ) plan is due to expire. The SAVE plan replaced the Revised Pay As You Earn ( REPAYE ) plan. Recertify your income and family size now to renew this plan for another 12-month period. Avoid missing the recertification deadline of XX/XX/XXXX and calculate monthly payments under this plan for another 12-month period. If we do not receive your recertification request in time : Your monthly payment will adjust to approximately {$820.00} '' I sent my recertification via studentaid.gov that same day to be safe. Today I get a message saying " Correspondence Processing Delay, Your recent request has been received. It is expected your pending request will be processed within the next 90. '' However the next 90 days would be in XXXX which is after the deadline of XX/XX/XXXX they mention above. This feels very much like a scam to get excessive money from people because they state " However, if your loan ( s ) are in repayment, payment ( s ) remain due, and if you are participating in Auto Debit, this remains active. '' I want assurance that my payments will not increase to {$820.00} a month after XX/XX/XXXX due to their inability to process documentation in a timely manner as a loan servicer. I submitted the recertification as soon as they notified me. There is no way I can afford to pay {$820.00} a month. That's quite ridiculous.