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

the XXXX crediting bureaus sold this fraudulent debt to a crediting agency, XXXX credit, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )
Product: Debt collection

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by CHASE BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Product: Vehicle loan or lease

In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. 

Bridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. 

I filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. 

I gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. 
Bridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. 
Bridgecrest refuses to recognize my legal right to exercise the administrative process. 

I will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see the Credit Bureaus doing nothing to correct my Credit Report despite the multiple letters I have been sending requesting that the Credit Bureaus remove the disputed items from my Credit report. I am a victim of identity theft and the items I am disputing do not relate to any transactions that I have made or authorized. Neither did I received any benefits as a result of the theft of my identity. I informed the Credit Bureaus regarding my situation through the letters I have been sending them with complete attachments of my complete personal information and FTC 's ID THEFT REPORT. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer considered asaan item resulting from the identity theft under the Fair Credit Reporting Act section 605b. But despite XXXX constant reminder of the significance of the FCRA to the Credit Bureaus, It is clear that the Credit Bureuas are not willing to coply with the Federal regulation. The Credit Bureaus have been non-cooperative since I started disputing my Credit File. The last letter I sent was in XX/XX/XXXX yet again emphasizing the FCRA section 605b. I ma submitting this complaint to remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX WAY XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CLUB XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX
Product: Credit card or prepaid card

USAA will not take my payment over the phone unless I agreed to allow them to send me a text to verify my phone number. 
Historical facts : My USAA account is closed and has been closed for 3 yrs. Each month I call USAA to make a phone payment. I have had no address change, phone number change or any other changes to my personal information or my USAA account. 
I have been making payments over the phone with USAA for years, never had a problem in the past. 
Earlier this month ( XXXX 2019 ) I was at the U of XXXX hospital with my entire family. many relatives & friends praying for a miracle. My XXXX year old nephew was in a car accident and had no brain activity. We lived at the hospital for 8 days. During this time I contacted USAA, 4 times from MY cell phone. Again the same phone number I have called them from for years. 
Each representative refused to allow me to make a payment unless I agreed to allow them to send me a text message for verification. 
This has NEVER been asked of me before from USAA. 
I informed USAA i do not have to give them authorization to text me. Each USAA representative told me I did. 
I said I was just calling to make a payment, the account is closed therefore USAA had XXXX risk. 
Regardless USAA refused to allow me to make a payment and as a result my account went 30 days delinquent and as a result of the 30 day delinquency my credit score dropped from XXXX to XXXX cause a mortgage I had applied for to be denied. 
Other facts. USAA has my voice identification therefore they knew it was me, USAA also has phone number Identification and I was calling from my phone, Again they knew it was me. Additionally, I was making a payment from the same checking account I have made payments from, for the past 3 years. 
For USAA to put me through this, provide me with false rules during easily the most tragic time of my life is unconscionable, unacceptable and can not be allowed to happen again, This is why I will be filing a lawsuit against USAA regardless of their response. 
My nephew, XXXX XXXX XXXX never regained brain activity. We never got our miracle, but XXXX wanted his organs donated and as a result 5 other families did receive the miracle they were praying for.
Product: Debt collection

I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me. 
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a late reporting on my account SYNCB/XXXX this isn't accurate I made all my payments on time, this is clearly an error on your part.I hope we can resolve this matter immediately.
Product: Debt collection

Last year I bought a truck and after the very first payment was made Some people called me and told me that they were some kind of mediator for a company and asking me to make a statement that I owe on a truck that was defaulted on ten years ago they wouldn't provide anything showing who they are and I ended up giving them {$1500.00} because they said they would take that as settlement even though they still wouldn't provide documentation on who they were and gave me a receipt in my email saying paid in full I lost the receipt I paid with my credit card and I have proof that I paid, I bought a vehicle last month and paid the first payment and they called yesterday saying that I stopped making payments and wanted the paid in full receipt that I no longer have from a year ago I explained I spoke to someone at their office and that was the settlement price that they told me paying this amount would take care of the problem they still wont provide documentation on who they are so far all I know I could be getting scammed on a debit that was owed ten years ago they are threatening to call my boss and they only gave me u til XXXX XXXX. yesterday to make a decision
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Product: Debt collection

Portfolio recovery is claiming that I owe a debt, no longer owed. It has been resolved and should be removed from all credit reports. 
Aside from the debt they claim I owe they have used unprofessional language in speaking to me.
Product: Debt collection

A company called Credence LLC calls daily. They will not say what the issue is about, so I hang up or block their number. They just call from a different number each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 letters to experian and XXXX  regarding my credit report the inquiary that are on them and also the the fraud alert i ask XXXX, experian to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help
Product: Credit reporting or other personal consumer reports

Equifax Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Notification and Request for Removal of Fraudulent Inquiries Dear Equifax/XXXX XXXX XXXX , I am writing to inform you that I am a victim of identity theft. My personal information has been compromised, and as a result, unauthorized individuals have fraudulently applied for credit cards, auto loans, and other forms of credit in my name. Due to this situation, there are several fraudulent inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, all fraudulent items must be removed from my credit report. I am requesting that you investigate and remove the following fraudulent inquiries from my credit
report : Fraudulent Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX For your reference, I have included copies of my police report, my driver 's license, and proof of address. Please ensure that all fraudulent inquiries are promptly investigated and removed from my credit report.

Additionally, please provide me with a confirmation letter once these items have been removed and send me a revised copy of my credit report reflecting these changes.

If you need any further information or documentation, please contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter.

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I dont recognize these inquiries and I might have been affected by a breach or information might have been in the wrong hands
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Fraudulent Credit Card Account Reporting To Whom It May Concern, I am filing a formal complaint regarding a fraudulent credit card account that continues to appear on my XXXX, XXXX, and Equifax XXXX reports despite previous disputes and removals. 

Fraudulent Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed ( but still negatively impacting my credit report ) I previously disputed this account, and it was supposed to be removed in XXXX and again in XXXX. However, despite these prior corrections, the account remains on my credit report, continuing to cause financial harm. 

Additionally, my personal data was compromised in the XXXX Equifax data breach, which has led to ongoing financial security issues. My bank account has also been affected, further demonstrating the impact of this fraudulent activity.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation Dear CFPB, I am writing to formally dispute and request validation for XXXX or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied. 
XXXX. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer. 
XXXX. The name, address, and contact information of the original creditor. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. appeared on my Transunion credit report. I am disputing this inquiry and requesting documentation regarding a third party 's access to my consumer credit report pursuant to the permissible purpose provisions of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home was foreclosed on back in XXXX with XXXX XXXX XXXX XXXX   XXXXXXXX XXXX the bank had been bought out by XXXX XXXX XXXX several years ago unknown to me. My credit report lists 2 separate accounts listing XXXX has a balance on loan? And also mortgage delinquencies. This was old from XXXX I disputed the accounts with trans union and they are now saying the accounts are delinquent as on XX/XX/XXXX which lowered my score 51 points. I have talked to bank previously and they stated the amount was from the foreclosure yet I never was given any paperwork from XXXX XXXX XXXX. XXXX XXXX XXXX had relieved me of the mortgage but now the new bank says its delin as of today. I cant get anyone to listen or help please help me with this
Product: Debt collection

I am filing a complaint against XXXX, XXXX and XXXX. The credit companies are not complying with their own policies in a timely manner. It has been 30 days ( XXXX XXXX ) since I sent letters to XXXX, XXXX and XXXX asking for verification information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on my credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under federal law, credit bureaus have 30 days to complete the investigation. I am filing a complaint that due to exceeding 30 days without verifying the the original consumer contract.
Product: Vehicle loan or lease

I purchased a vehicle from byryders XXXX XX/XX/XXXX, everything was going smoothly I took XXXX XXXX trip to XXXX and when I got back home, the car kept stalling and was stuck in neutral, a transmission error came across the car and could not be driven, I got it towed to byriders which they were closed and I emailed them to let them know what happened the next morning some one called and asked what happened and as soon as I explained it they hung up in my face. I tried to calling to speak to the XXXX and no one would answer. so I texted her telling her the issues that I had with the XXXX and wanted to see about getting a new car or my money back considering I only had the car for about XXXX weeks and she read my message and hasn't responded or contacted me since.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  | XX/XX/2022 : Account number : N/A, This inquiry is unauthorized. Please DELETE!
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

**Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX  XXXX XXXX XXXX account number XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income. 

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute. 

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report. 

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt. 

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ XXXX business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX