23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, The reason for my dispute is ALLIED INERSTATE LLC ACCT. XXXX has sent a debt collection letter that I do not recognize. I am disputing this under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ALLIED INERSTATE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ALLIED INERSTATE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ALLIED INERSTATE LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ALLIED INERSTATE LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ALLIED INERSTATE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not provided me with my statements from XX/XX/2018 to date. Also impeded my request to switch to online banking.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

GLA Collection agency XXXX XXXX has continued to report to XXXX credit bureau every month for non payment on an account with XXXX XXXX XXXX. I have provided a letter from XXXX XXXX stating the account is paid in full and I do not owe any money. I have also contacted XXXX and tried to dispute the negative reporting. I have provided the letter to both XXXX and GLA. GLA refuses to discharge the debt and continues to damage my credit each month. I asked them to affirm the debt by sending me something in writting saying I received services from XXXX XXXX XXXX, they said they had done this and refused to provide any documentation. I have never received anything from GLA.
Product: Debt collection

Received documents forwarded by CFPB and had my Lawyer over look the documents.
I was informed your company documentation 's was missing a valid contract, consisting of Mutuality of obligation. And theirs no clause permitting the original debtor to charge interest to the debt, including collection agency. FAIR DEBT COLLECTION PRACTICES STATUTES, states Statutory penalty. The general rule is that private parties may not impose penalties. Only governments could impose penalties. Now, statutes sometimes allow private parties ( such as credit card issuers ) to impose penalties, but unless specifically authorized by statute, a penalty ( such as an extra charge for doing or failing to do something ) is not lawful or recoverable.72 Prejudgment interest is an element of damages that is subject to and limited by legal rules. For instance, if the prejudgment interest rate is not specified by contract, a debt arising from a loan of money bears interest at the rate of 10 percent per year after breach, 71 Their is no contract to be breach, only a service agreement with no obligations financially, penalties or payment dates.
Product: Debt collection

Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance Owed : {$9100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has allowed inaccurate information to be reported on my credit report that isnt congruent to XXXX or Equifax reports. Which causes for instant removal due to inaccurate information damaging my credit report. Violations stand as stated 15USC1666b 18USC870-872 FCRA violations of inaccurate reporting as well as FDCPA collection laws being violated by said entity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several items on my credit that are not mines someone has false used my information
Product: Credit reporting or other personal consumer reports

I have no connection to the creditors in question, and these inquiries are not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$8300.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXX XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$27000.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) # XXXX XX/XX/XXXX - Balance : {$2400.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$590.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$940.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX 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 or other personal consumer reports

So I was shopping around to get the best offer from 2 companies XXXX and Navy Federal. They should removed all hard inquiries except the last one before I bought the house with Navy Federal last XX/XX/year>. 
As per the actual credit report XXXX and Navy Federal remove these hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on-line for an XXXX XXXX XXXX  XXXX XXXX XX/XX/2022, I received a email letter from XXXXXXXX XXXX requesting for additional information to process my application. 

Before responding to said request, I call the bank spoke to a XXXX bank agent about the letter, in addition said agent confirmed that my application would be approved timely after additional submitted additional has been processed. Was not approved. 

Not only XXXX XXXXk employed agent was not truthful in his statement, he failed to mention that JPMCB Chase bank would also take part in processing the application which has resulted of my receiving Two WRONGFUL Hard Hit inquires - both from XXXX and Chase Bank. 


Due to what appears to be an unscrupulous practices, I will never request and/or apply for any products or services from both said banks
Product: Mortgage

Miscalculation of Loan modification Being overcharged for the last 6 years. Modification was completed thru GMAC and OCWEN now manages the loan. They were given a written notification to correct the problem. We received 2 letters from them the first one said they received our letter and would need 45 days to review the modification. after the 45 days we received another letter stating under RESPA they are afforded an additional 15 days. It has been 20 ( Business ) days and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EQUIFAX lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Student loan

I refinanced some of my student loans from Navient ( originally XXXX XXXX ) using XXXX student loan refinance option a few years ago. I gave instructions on which loans to pay off because the interest rates are different and I did n't want to pay more interest through XXXX for certain loans that had lower interest rates through Navient, but was unable to control how the payment was applied due to the way that Navient breaks down each loan ( they use XXXX account number for all of the loans, and each loan has different interest rates ). Payment from XXXX ended up getting evenly distributed to each loan instead of being distributed to the specific loans I wanted to eliminate. I had intended on paying off the loans with the highest balances and highest interest, and wanted to keep the lower interest loans through Navient. Instead, the payment was applied to each loan, leaving me with a bunch of smaller loans ( each of which has interest that gets compounded daily, costing me more in the long run ). Having several small loans on my credit report inhibited me from being able to buy property because it appears to be too risky of an investment for mortgage companies. I also previously had a lot of trouble negotiating with Navient and XXXX XXXX when trying to consolidate, refinance, or change my payment option. They ended up talking me into deferment instead of changing my payment plan to a more reasonable/affordable amount. I was paying over {$600.00} a month total between all of the separate loans, and they said I did n't qualify to lower my monthly payments because each minimum monthly payment amount was relatively low individually. With XXXX loans total ( XXXX loans distributed per semester ), small payments of {$50.00} each adds up fast when you look at the figures as a whole. I saw in the news today that Navient is being sued yet again for their fraudulent practices and would like to share my experience in order to prevent more students from being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my   XXXX   report it still shows that I was late fo r five or six months  with my Bank of America mortgage loan when I was not late. I received a letter stating that they will change it on my credit report but it has not changed yet
Product: Debt collection

On XX/XX/XXXX I paid a one time fee of {$50.00} towards a debt that was owed to XXXXXXXX XXXX XXXX XXXX. The lady I talked to in XXXX, tried to tell me how much I needed to pay to stop the debt going on my credit report. I noticed on XX/XX/XXXX I noticed a charge on my bank statement that I did not authorize for {$50.00}. I called my bank, they could n't tell me the company who took the charge, my bank looked up on XXXX, and came across the debit as fraudulent and disputed the charge. I then remembered who the charge could have been from, called the collection agency, and explained that I have not been in contact with them to authorize another charge. There 's absolutely no reason why my credit card was saved on file. I did not authorize, give consent or permission for anybody to charge my account. That is illegal and considered theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I have submitted disputes for false inquiries on my credit report with Experian, XXXX and no change has happened. Leading me to have to freeze my account. I am now at in which i feel as i am being taken advantage of with no support
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfer, virtual currency, or money service

Cash app breach of my information that leaked from a XXXX party. Which is in a class action lawsuit and ordered to pay consumer for this.
Product: Credit reporting or other personal consumer reports

I have disputed these items and have received no information that I requested so that I may have a accurate and fair credit report .The item is XXXX XXXX XXXX the account number is XXXX. This account is XXXX years old.. This account was closed before they ever put it on my report also this is not under the FCRA. 
Under 15 Usc 1681 states a accurate credit report should be what I'm in entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered around XX/XX/XXXX that Navy Federal Credit Union was reporting a Line of Credit loan in the amount of {$12000.00} on my XXXX, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my XXXX dispute result on XX/XX/XXXX which Navy Federal reported to them that they were reporting it correctly. I called Navy Federal and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX . XXXX, XXXX , XXXX . XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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: Consumer Loan

I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court