23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received toll fee collection letters for vehicles sold. Provided all documents of proof of sale prior to tolls. Submitted title transfer documents to TxDMV as proof of non ownership. Still receiving collection letters and credit reporting. This is fraudulent collection that the PENNCREDIT CORPORATION is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of XXXX, XXXX, {$700.00}, XXXX. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$8000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 












-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$1400.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the experian, XXXX, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Student loan

Navient has been raising my interest rates. The rate was 4.25 for years. Now it is over 6 %. I asked to see a promissory note showing I signed a variable interest rate loan and they have yet to furnish one. I believe this company is raising my Interest rates un fairly now that I am close to paying them off.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint. 
I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute. 
If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max. 
I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus. 
I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring. 

Nothing Further.
Product: Credit reporting or other personal consumer reports

They are reporting lates during a XXXX XXXX 
We hope to resolve this matter as soon as possible. 
A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to Page collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 : States that a consumer reporting agency can not furnish a account without my written instructi
on.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a inquiries I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned car loan accounts.These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX cases as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I also found an account by XXXX XXXX that was also fraudulently obtained with my information! I received notification that my information was involved in a XXXX from XXXXXXXX XXXX XXXX  XXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX XXXX XX/XX/year>. I contacted Affirm and they stated that they had no account on file for me. However according to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXXXXXX XXXX XXXX and also a FTC report
Product: Debt collection

I am writing this letter to inform you that ATLAS CREDIT COMPANY is misreporting accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, they have a grave responsibility of maintaining the accuracy of that information.

The following account ATLAS CREDIT COMPANY XXXX is reporting a balance of XXXX when it is my understanding an reason to believe that because this debt was charged off by ATLAS CREDIT COMPANY that is was memorialized with a Form 1099C as proof or evidence thereof. And that this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file.
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 : XXXX  XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a 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.
Product: Credit reporting

Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : XXXX I have also attached my credit report that will reflect the late payments on Experian, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

I contacted PayPal today XX/XX/2022 after we noticed that PayPal had removed an unauthorized amount of {$1200.00} from our account.

After listening to their excuses for taking the money out of the account, we decided we do not trust PayPal with any of our information and called them to request to have our bank account information deleted. They refused. We then demanded that they remove and delete our account information and informed them they do not have our consent to have or use our bank account information anymore. They still refused to remove our bank account information repeatedly and then they hung up the phone on us. 
My complaint is that they have our personal bank account information without our consent and they refuse to remove it!!! 

If you could help us we would really appreciate it!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX stole my SSN and plastered it all over their mobile application due to a pending legal matter. My information was compromised and need all bad and derogatory remarks and accounts removed my account, immediately. 

XXXX  XXXX Balance Last updated XX/XX/XXXX {$10000.00} Account Details Account Type Last Account Activity Open Since Ownership Current Balance Monthly Payment Original Creditor DEROGATORY Collection Account XX/XX/XXXX XX/XX/XXXX Individual {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX XXXX Remarks Placed for collection XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$7300.00} XXXX Last updated XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$940.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance $ XXXX Monthly Payment Original Creditor XXXX XXXX XXXX XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address Phone Number XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$910.00} XXXX Last updated XX/XX/XXXX Balance {$570.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XXXX XXXX Monthly Payment Original Creditor XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number XXXX XXXX for XXXX XXXX XXXX XXXX XXXX {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX Information Lender Name Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Phone Number Remarks Placed for collection XXXX XXXX XXXX Balance {$550.00} Last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act.This list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account XXXX XXXX  XXXX acct # XXXX Account XXXX XXXX XXXX Account # XXXX ACCOUNT XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX Account # XXXX has Violated my Rights. 
15 U.S.C 1681 section 602 States I have a 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 with out 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.other then conviction of crimes which antedates the report by more then seven years.

15 U.S.C 1681s2 ( 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 reporting, credit repair services, or other personal consumer reports

This is my follow-up filing of a complaint to my previous complaint last XX/XX/XXXX, to block or remove the items that are misleading or fraudulent in my file. 
Please Block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  PULL THE WRONG BUREAU, MUST PULL XXXX   ONLY, ALSO, XXXX XXXX, COMENITY.
Product: Mortgage

Beneficial/HFC never released from the title of my home the lien that was discharged in Bankruptcy on XX/XX/11 for years we have been trying to refinance our home and still can not do anything as we have no way of contacting them.
Product: Student loan

In regards to the refunds we are entitled to for payments made during the pandemic period. Ive requested a refund and have been told no timeline would be given. Ive made several attempts to get update and have always been told no updates were available other than the request has been submitted and approved but no timeline on when to expect a refund. I have received a small portion of my request and was told that was from the original loan servicer but my request from my current servicer EdFinancial has no timeline. My original request was sent XXXX XXXX I would like to have this issue resolved and I feel like EdFinancial is just giving me the run around.
Product: Credit reporting or other personal consumer reports

these accounts are inaccurate and also didnt open some of them such as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported me deceased.