23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

CHASE MTG ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CHASE MTG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CHASE MTG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my equifax report asking to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The debt should only be XXXX only because car was sold in a auction after it was voluntarily turned back into the bank financer
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus.

So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. State law may impose additional requirements.

The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681.

According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs
Product: Credit card or prepaid card

Penfed Credit Union is claiming I have a balance of nearly {$8000.00} for credit cards I have never opened up with them. I do not have these credit cards and it is clearly fraud. I have reached out to them several times, including having an attorney write them and they are still trying to make me pay for it. This is not my debt.
Product: Mortgage

Loan servicing has been transferred multiple times and the original servicer never complied with the Court Ordered Stipulation on a confirmed Chapter XXXX Plan. The servicers are all in contempt of court and need to correct the servicing on this account. I have written multiple times to try and get this corrected going back to 2012 and no one is correcting the account and they are charging me fees for eroneous inspections that had the servicer corrected the account, none of these fees would have been assessed.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get a proper feedback from them for days and I just discovered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal to receive the salary for my job writing produce descriptions for household items. PayPal is the only payment method available. The email linked to my PayPal is " XXXX '' I have received two payments on this account both amounting to {$500.00} and exactly equal to the total amount indicated in the file I've attached from my source XXXX my work dashboard ).
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Experian and Experian Fraud services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Experian ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i did not consent nor authorize Experian or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Please delete Negative fraud inquiries and non mailable address. Fraud inquiries include XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Credit reporting or other personal consumer reports

Opened a dispute with related " proof of payment documents to resolve an irrelevant record shown up on my record first time in my life. Experian refuse to acknowledge that and keeping the record on my credit file and acting with the debt collecting company called XXXX debt. which was also reported to your authority. I am also attaching a return " administration fee '' payment from the apartment complex company which the debt was fully paid a year ago.
Product: Credit card or prepaid card

Credit karma would say that I was pre-approved for a credit card or had excellent chances of approval and I was denied each time. This has happened to me from XXXX through XXXX. It's just ridiculous that they are doing this to me and it leaves a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name has to appear on my credit file. My name is XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an account with Lowes Credit Card in XX/XX/2021. Based on credit review I was approved for a credit line of XXXX XXXX I have kept the account in good standing, never missed any payment or changed any unnecessary charges on the account. I have recently received a letter as notification that they were closing my account. Under CFPB protection laws I do not believe this company can commit this act and affect my livelihood this way. My credit will be affected greatly.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I wrote Experian, XXXX and XXXX about certain items on my reports. To this date, I have NOT received any updated reports from either of the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person by the name of XXXX XXXX XXXX at XXXX XXXX called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635 and 15 USC 1692g. 
This account was paid in XX/XX/year> and should be deleted as it violates my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XXXX I received updates from XXXX, XXXX, and Equifax in regards to the accounts showing that they had been removed from my file. I also received a letter from the Creditor stating that the Fraudulent Accounts would be removed. On XXXX I received results from XXXX stating that the account was REMOVED. Moving forward into XX/XX/2022 a Employer Credit Check was pulled, and the account is back listed on my report as well as listed on Equifax, and XXXX and it was perviously REMOVED. How was this account reinserted back onto my credit file without my acknowledgement when the account was REMOVED at the Creditors Request as Fraud. I have since tried to contact XXXX, Equifax, and XXXX back in regards to the issues I'm having, but I have not been successful. Each Credit Bureau is neglecting to remove the accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened Bank XXXX XXXX XXXX XXXX. I have attached proof of my previous dispute results.
Product: Student loan

I h ad 2 o riginal loans totaling {$43000.00}. I have paid {$55000.00} to date and my current balance for these loans is {$50000.00}. I know that there is interest associated with any loan, but I believe something is not right here. At my current repayment rate of {$460.00} per month, these loans will be paid off in  XXXX  of  XXXX , which is in 15 years. If my current repayment rate continues, I will have paid an additional  XXXX  for a total of {$130000.00}, or over 3 times the amount of my original loans. In addition, I will be  XXXX   XXXX   XXXX  at that point and finally paying off my student loans!
Product: Credit card or prepaid card

American Express keeps canceling my accounts. I do proceed with an application for a premium charge card then the card arrives within a day or two VIA XXXX overnight rush mail and after a few days AmEx cancels my account arbitrarily. However, they don't forget to charge the annual membership fee and collect on it which is upwards of {$550.00} for a platinum account and {$250.00} for gold accounts. When I call Customer Service I encourage to apply for a new card. I also receive mail solicitation. Every time I apply for a new card ( as recommended by CS ) my FICO score gets a hit. This has happened four ( 4 ) times already in the past 3 months. I feel I am being discriminated against and not sure what to do. Before all the applications my credit FICO score was above 800 which is considered excellent. Hopefully my plea for assistance will effectuate change and stop this criminal activity by American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

The validity of this account is in dispute and this is not an acceptance or ratification of the claimed debt. I have received no verification of this debt. The federal debt collection practices act gives me the right to demand full verification of this debt. If I do not receive verification of this debt within XXXX  days I ask that this inaccurate debt be removed from all my credit bureaus immediately. To my knowledge there is no outstanding balance at all with the alleged parties and XXXX and if there is I am requesting proof from the original credit with my signature of this debt in the original amount of {$290.00} in the aforementioned date of XX/XX/2022 and if any of this information is proven to be inaccurate I am requesting immediate removal of the inaccurate data from my credit reports. Lastly, if this is valid debt I would like the original contract of the debt, the creditors contact info, and proof that this agency now owns the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My x wife divorce me in XXXX. Her, or members of her family took out credit in my name without my knowledge or consent. I have made a good faith effort to attempt to resolve the matter with the creditors, and with the reporting agencies but with no success. I am working in XXXX, and this is effecting my security clearance. 

The reports are totally wrong. I dispute these accounts reported falsely on : XXXX Equifax XXXX These are the accounts that I dispute in full and must be removed. 

XXXX. Charged off XXXX XXXX XXXX opened XX/XX/XXXX without my knowledge or consent Not my account 2. These following closed accounts, none of them were opened by me and are not mine : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1000.00} Closed XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Closed XXXX XXXX  Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  Reported : XX/XX/XXXX Finally, my address is also listed on the 3 Credit Bureaus incorrectly. I have asked them to remove my X wife address over and over, but they refuse. 

My only address, since XXXX, is the following : XXXX XXXX XXXX XXXX, Maine XXXX Please ask the three credit reporting companies to remove these two addresses immediately, I have never lived at the below : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX There are also 2 collection agency accounts that do not belong to me : XXXX XXXX XXXX Reported : XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$1300.00} Outstanding Please correct these terrible mistakes, 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX 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. 

I respectfully request that you issue direction to these three companies XXXX. XXXX XXXX. Equifax XXXX XXXX Please also remove the false history from the Attorney General Office for the State of Texas. I have NEVER missed a payment EVER on my child support. t Thank you. 

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

Asked company several to investigate the incorrect information and fix it.
Product: Student loan

I am the co-signer on my daughters student loans. There are XXXX separate loans for a total of app {$70000.00}. She was required to start paying them back six months after graduating from XXXX in XXXX. At the same time she was to start making payments I had to file a chapter XXXX bankruptcy. Navient immediately told her she did not have to make any payments while I was in bankruptcy ( they automatically put her loans into forbearance ) when my bankruptcy ended in XXXX they had tacked on a additional {$23000.00} in interest and immediately stated harassing the both of us for repayments. I do not think it was right for them to put the loans into forbearance because I was in bankruptcy. She never filed bankruptcy and was more than capable of making the payments for the past five years. Now she owes app {$93000.00} instead of {$70000.00}. I have been helping her make the payments for the last six months. My main concern is the extra {$23000.00} in interest. It seems what they did should be unlawful to automatically put her loans into forbearance and tack on that much interest which is going to make it even harder to stay current on these loans for the next 25 years.
Product: Credit reporting or other personal consumer reports

I have derogatory marks on my credit that has been paid for on a consolidation thats hasnt been removed from my account for XXXX recent credit cards and inquiries that may need to be removed in order to get to the next step planned for funding
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I paid in full my student loan for my XXXX XXXX degree with a loan collection company Called ACS in XX/XX/XXXX. I received a letter from ACS acknowledging my payments and then some XXXX yrs later I began receiving notices from other collections companies stating that I owed them for this same debt which was already paid off. I presented them proof and then they would eventually disappear. However, XXXX  collectors keep popping up and claim that I owe on a student loan. The most recent collector is XXXX, who sent me a copy of an application I never applied for in XXXX with disbursements I never received for schooling at XXXX  XXXX XXXX XXXX, which I didn't attend in XXXX. I actually was overseas, living and working in XXXX, teaching XXXX at XXXX XXXX XXXX  until XX/XX/XXXX. I returned home and not long after discovered this fraudulent student loan activity which also resulted in the XXXX of my XXXX IRS refund. XXXX. Owes me for my IRS refund, also note my loan of {$20000.00} was overpaid, I paid in excess of {$31000.00} and I want to be reimbursed for the overcharge plus interest as this dates back to XXXX of XXXX. I have also incurred damages as this problem has negatively impacted my credit ratings for more than XXXX yrs.