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

I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Student loan

My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?
Product: Debt collection

XXXX is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). 
Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States.

QUESTIONS RAISED TO " CREDITOR '' : 1 ) Who is required to pay debts? 
XXXX ) What species XXXX requiring as payment? 
XXXX ) What legislative authority gave XXXX the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX  ), ( XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax
Product: Vehicle loan or lease

Hello sir or maam this might reach, my name is XXXX XXXX and I have an XXXX XXXX XXXX that is leased through the bank which is Capital Credit LLC in XXXX TN. I been with them since XXXXXXXX XXXX XXXX XXXXXXXX. They been a good bank at the beginning of the lease, but once I fail behind on payments they communication and customer service been horrible. They repossessed the car in XXXX or XXXX this year XXXX, and I have been communicating with them about getting the payments up to date, which is currently up to date and the car is due back to me but now since I have the payments caught up they been providing bad bad customer service and been unprofessional about the manner at hand, such as not answering phone calls, not responding to emails and not communicating what they all need from me & its getting out of control because they will return calls or email right before they close which will delay the process until the following day.
Product: Payday loan, title loan, or personal loan

I have never applied for a loan. I never opted in to receiving prescreen offers from this company its affiliates or any other company/agency. I have had a credit freeze in place since prior to 2019. Receiving any solicitation in any form or via any venue was not authorized and needs to stop forever and not restart. I have reported this error to no avail. XXXX XXXX & XXXX. 

It is fraud and a violation of my privacy receiving the solicitation in the first place. It is an egregious error requesting more information to stop sending the unwarranted solicitation. That is completely unacceptable. 

request to stop are documented since 2019. Balance credit has not honored the opt out in any venue.
Product: Money transfer, virtual currency, or money service

This is a follow up to case # XXXX. I received an email on XX/XX/XXXX that XXXX XXXX XXXX for Bank of America was looking into my complaint. The email ( see attached ) stated that I must respond to him by the XX/XX/XXXX to review my complaint. I called the number provided and left him a voicemail on XX/XX/XXXX and XX/XX/XXXX. I called him again on the XXXX, left a voicemail and called the cell phone number provided. The cell phone number provided stated it was a number that could not be completed as dialed. On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating that he had until XX/XX/XXXX to respond back to me. I never have heard back from them. Instead, I received a call on the XXXX from XXXX XXXX, the individual who was a part of the scam. The reason I know this is he stated that he was the one that had talked with me in XXXX ( he had a heavy XXXX accent ) and asked if I remembered him. Of course I did, he scammed me out of almost {$50000.00}. I went off on him about scamming me and hung up on him. When I immediately called him back, the number XXXX had been disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax please remove the credit inquiries XXXX XXXX XXXX XXXX  inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries, they are fraudulent XXXX  XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I have been disputing this account since XXXXXXXX XXXX XXXX with both the collection agency and the 3 credit bureaus. EACH month this collection re-ages and the balance updates increasing or decreasing by {$1.00}. I have requested itemized statements and method of verification from both the collection agency and the original creditor listed on my reports. I have also reached out to FTC. Next steps State attorney office
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was told I was paying for someone impersonating cash app it ended up being a scam. I sent multiple messages and proof and an automated computer kept writing me with no help. In result someone was able to steal XXXX dollars from me and till this day Im at lost of that money. With NO help of cash app
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX.
Product: Debt collection

My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below accounts 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 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 

the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 

Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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, credit repair services, or other personal consumer reports

I have requested Experian XXXX XXXX MANY times for validation of proof for the XXXX/XXXX account on my credit report. They are reporting this as closed and revolving at the same time. It is showing as a charge off yet has a balance. This is not correct and is conflicting information and a violation of the FCRA. Also, I have yet to validate this account belongs to me therefore they are in violation of the FCRA and needs to be removed immediately
Product: Checking or savings account

On XX/XX/2020, Marcus by Goldman Sachs opened an account illegally online without my permission. The company used my name, birthdate, social security and opened an online Goldman Sachs savings account. I called the company on XX/XX/2020 and spoke to four different  people regarding the fraudulent account. The names of the people XXXX, XXXX, XXXX and a specialist in the Fraud Department. I told them that a false, online savings account was opened in my name and I was upset that they would do this without actually doing some investigative work regarding the person being a robot, a thief or an actual, qualifying person. I was told that it doesn't take any money to open up an account and that is how most banks do their banking. I mentioned that all three credit monitoring companies have been frozen for several years and I also have XXXX  which when checked tells the banks of any identify theft problems regarding the account. After talking to several representatives of Marcus by Goldman Sachs, they said they will investigate and close the account. I am very wary that this account may not be closed and that is why I am submitting this complaint. What bothers me about banks letting accounts to be opened, they send a statement that you will be held responsible for this account, even though you did not open it. It takes the online person minutes to open and it takes me days or weeks to close these accounts. The rules of the system must change and the banks seem to be indifferent regarding this and do whatever they want to do.
Product: Debt collection

Around XX/XX/2019 I was contacted by letter by XXXX XXXX XXXX, XXXX which alleged I owed a debt to Synchrony Bank. This company also alleged the debt was previously held with PayPal with  previous creditor XXXX. Before I was contacted by this Collection Company, I received several phone calls in regard this matter. I asked them to cease all kind of communication but I received more robocalls afterwards for which they had violated the law Under the federal Fair Debt Collection Practices Act ( FDCPA ). 

This Debt was previously handled by Synchrony Bank who bought PayPal Credit ( also known as XXXX ) and sent me several attempts to collect this funds in communication letters. Ive never opened an account with Synchrony Bank for PayPal and I will never use their services for their high interest rate and bad reputation. This is not an statement to talk about the Bank but the Collection Company who allegedly bought this debt. Attached are proof of the initial dispute I sent to this Collection Company as soon as I received their first letter. The letter ( see adjustment ) asked to the Company XXXX XXXX XXXX XXXX XXXX to validate the debt and to send me proof I owe them. The confirmation for receiving documents in envelope was signed by them ( see adjustment ). 

After not receiving any communication for 2 months ( approximately ) this collection company reported to all 3 credit bureaus and my credit score significantly  decreased. Once again, violating the law Under the federal Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) since I asked them to Validate or Cease Collection. This is the last attempt before Im taking legal actions against XXXX XXXX XXXX, XXXX for Violating the FDCPA and CFPB law, attempting against my moral character, and making illegal robocalls. Im also working with XXXX XXXX XXXX for this same matter.
Product: Student loan

I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.