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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge1263 XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXXXXXX CARD  XXXX, XXXXXXXX CARD XXXX, XXXX CARD  XXXX, XXXX CARD XXXX, XXXX CARD XXXX
Product: Debt collection

Diversified Consultants be gan reporting a  XXXX  debt to the consumer credit reporting agencies around  XX/XX/XXXX . The debt of {$260.00} was reported as being a delinquent beginning in XX/XX/XXXX . Beside the fact that I owe no debts to  XXXX , there has been quite an issue concerning the collection by Diversified.   First, I was never given written notification that they were collecting on this debt. My first time hearing of it was when I saw it on my credit report, too late to dispute it before it affected my score. I have reached out to Diversified since, disputing the debt. I have also disputed the debt through the individual credit bureaus to which it is being reported.   Diversified has verified to the bureaus that the information is accurate. And to me they sent a bill to prove the legitimacy of the debt. A bill with a total much different from the one they are reporting. The bill theyve sent me is for {$350.00}, while the reported balance is {$260.00}. This is not to say Im claiming that I owe more than what they are reporting, but rather the opposite their own validation documents dont match what theyre reporting to the bureaus. It doesnt seem like this debt collector puts much effort into confirming their own reporting and actions.
Product: Student loan

I attended The XXXX XXXX XXXX XXXX XXXX ( part of the XXXX XXXX, or Ai, family of schools ), a subsidiary of XXXX XXXX XXXX ( XXXX ), from XXXX to XXXX. In addition to federal student loans, I took out private student loans with XXXX ( now Navient ) totaling {$45000.00}. I have been regularly paying my student loans back for XXXX  years now, since XXXX, and have to date paid a total of {$64000.00}. 

Recently, I was a full class member of the XXXX v. XXXX court case, which provided forgiveness on my remaining federal loans, finding that my school and many other for-profit schools had defrauded the government in their loan practices. 

I came to be a class member of XXXX  v. XXXX after filling out my Borrower Defense to Repayment ( BTDR ) with the Department of Education. There my case revolved around 1. the high pressure sales tactics of the school and 2. the gross over estimates provided by the school for job placement and entry level salaries. These arguments can be found in the multiple court cases with XXXX  ( files attached ) wherein the school and overseeing corporation had a wide-ranging scheme to " enroll as many students as possible, and to keep them on the rolls for as long as possible, without regard to the students ' qualifications or their likelihood of graduation or career placement, in order to maximize financial aid from the United States Department of Education XXXX XXXX DOE '' ), which assumes the risk of delinquent student loans. '' I would argue that this practice applies to the private student loans as well.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX / XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that XXXX XXXX   account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX  balance however after several disputes the information has not been updated
Product: Mortgage

I refinanced my home loan and CitiMortgage delayedapplying my payment from the date of the transfer on XXXX, 2015 to XXXX XXXX, 2015 on the XXXX mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THIS ACCOUNT IS FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting

I have disputed with the original vehicle loan, XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint with CFPB against XXXX and their reply was that they were sorry and will correct the data on mine an my wife credit reports for all XXXX bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is two months behind on my auto loan payment history on my credit report.Transunion also has not removed XXXX XXXX from my credit report despite being notified by the company XXXX XXXX to remove the Hard Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX XXXX  XXXX XXXX**** ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX**** ;
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts on my credit report that I do not recognize. After reviewing my credit report, I discovered accounts that I did not open or authorize. Given that my personal information was exposed in a national data breach, I believe I have been a victim of identity theft. 

I have already submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter and have requested validation of the debts in question. However, I have not yet received adequate documentation proving the validity of these accounts. 

To support my dispute, I have attached the following documents : 1. A copy of my government-issued ID for identity verification.

2. A copy of my FTC Identity Theft Report.

3. Documentation showing my personal information was compromised in a national data breach.

4. A copy of my debt validation request.

Given the circumstances, I request the immediate removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide me with the results at your earliest convenience. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on XXXX and Experian and needs to be removed as requested.
Product: Checking or savings account

My XXXX PAYMENTS HAVE BEEN DEPOSITED TO THIS CHIME ACCOUNT AND I DONT HAVE NO MONEY. ON THE ACCOUNT I CALLED THEM ON XXXX TO MAKE A CLAIM AND TO CLOSE MY ACCOUNT THEY NEVER CLOSED IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have financed the car with MERCEDES BENZ FINANCIAL SVCS. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/year> NAVY FEDERAL CREDIT UNION was served a cease and desist to release the unlawful freeze placed on my checking account. They refused to remove the freeze immediately which violates bankruptcy law. Because NAVY FEDERAL has failed to perform thier fiduciary and custodial duties have been caused great harm. I have been denied my rights as a natural person and consumer. I have been prevented from attending to my everyday course of business of household and personal needs. 

NAVY FEDERAL CREDIT UNION is guilty of aiding and abetting BROWNSTONE FUNDING and Attorney XXXX XXXX in attempting to make me a debt slave. They are in violation of the following codes due to their unlawful actions : 18 USC 1589 ( c ) ( 1 ) states : The term abuse or threatened abuse of law or legal process means the use or threatened use of a law or legal process, whether administrative, civil, or criminal, in any manner or for any purpose for which the law was not designed, in order to exert pressure on another person to cause that person to take some action or refrain from taking some action.

NOTE 3 : 18 U.S. Code 1594 shows you that : ANYONE ATTEMPTING TO DO THIS, EVEN IF NOT SUCCESSFUL, WILL BE PUNISHED AS THOUGH THEY PULLED IT OFF. ALSO ANYONE WHO CONSPIRES TO DO THESE ACTIVITIES ARE JUST AS GUILTY AS THE PEOPLE GETTING FOUND GUILTY OF DOING IT.

18 USC 1581 - Peonage ( debt slavery ) - {$500000.00} - up to 20 years in prison 18 USC 1584 - Involuntary Servitude - {$500000.00} - up to 20 years in prison 18 U.S. Code 1593A - Benefitting financially from peonage, slavery, and trafficking in persons ( ANYONE ON THE FRINGES WHO BENEFITS FROM THESE ACTIVITIES ) - anyone found guilty of this one are treated as guilty to the actual statutes in this section. NAVY FEDERAL benefits clearly from my securities entitlement account ( checking account ), but I as the beneficiary of this account am receiving no value in return and am being robbed of rights as a natural person to satisfy all of my household needs in my everyday course of business.

They are all in violation of the FDCPA.

- 15 USC 1692b ( 2 ) - 15 USC 1692d ( 1 ) and ( 3 ) - 15 USC 1692 ( 3 ) due to Attorney XXXX XXXX can not be a debt collector nor can a debt collector be an attorney.

- 15 USC 1692g - 15 USC 1692i ( 2 ) ( b ) due to the entire lawsuit and judgement being illegal because nothing says nor authorizes the bringing of legal actions by debt collectors.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I see that XXXX XXXX has flagged an account on my consumer report as a charge-off. The IRS requires XXXX XXXX to send me a 1099C by XX/XX/XXXX. This charge-off is considered earned income, and I will have to file a 1099C on my tax return. Therefore, the account status has been changed to earned income. My consumer report should not contain information regarding my income. This account violates accuracy of report. Additionally, the account has been reported as having late payments incorrectly and inaccurately by different bureaus. I would appreciate your investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have reached out to the credit bureaus, department of education and XX/XX/XXXX. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. XXXX told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Product: Credit card or prepaid card

FRADULENT CHARGES WERE MADE ON MY CREDIT CARD FOR MERCHANDISE I NEVER RECEIVED FROM AN OVERSEAS COMPANY IN XXXX. XX/XX/2017. BILLING TOTALS {$820.00}. THE CREDIT COMPANY WAS MADE AWARE OF THIS ISSUE AND WERE PROVIDED LETTERS, EMAILS AND DOCUMENTATION BY ME TO PROVE MY CASE, YET THE CREDIT CARD COMPANY HAS DONE NOTHING BUT HARASSED ME FOR PAYMENT ON MERCHANDISE I NEVER RECEIVED..
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 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 a consumer reporting agency can not finish a account without my written instructions
Product: Credit reporting

XXXX inquiries were made to my Transunion credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Transunion a letter confirming that they were made in error. This was over a month ago. 

To this date, Transunion has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

These need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Transunion so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.
Product: Debt collection

I sent a debt validation letter to Waypoint Resource Group on XX/XX/2019 via certified mail. On XX/XX/19 they received the letter. They had 30-45 days to respond to me in which they have not, and it is still reporting on my credit. I asked for proof of this debt and can not get any resolution. They are reporting that I owe {$780.00} but I dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$920.00} o XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Balance o XXXX Balance - XXXX XXXX XXXXXXXX Balance {$1600.00}
Product: Credit card

A few weeks ago my card number was entered incorrectly on the bed, Bath, and beyond website, and Capital One decided to restrict my account. I called Capital One and asked why my account was restricted and told them that my girlfriend accidentally entered the card number wrong when placing an order and all of a sudden my account was restricted. Capital One said it was a fraud investigation and I would have to wait 7 to 10 days to speak with a specialist. The Specialist contacted me and told me I had to submit pictures of my drivers license, Social Security card, and proof of residence to prove who I was. Once I submitted all those documents, the specialist called me back, and then said they wanted to speak to my bank. After I got upset that they were trying to make me jump through more hoops after I already provided the information, they unrestricted my account. Now were two weeks later, and my account is restricted again, and I have to go through the same hoops, and prove who I am all over again once I wait 7 to 10 days to hear from another specialist with no reasoning of why my account is restricted again other than security concerns about identity. Ive been with Capital One for over 10 years and have never experienced anything like this before. The only difference now is I have a lot of miles ( rewards ) saved up, and now my account is always being restricted without clear explanations of why.
Product: Credit reporting

Equifax , I am not quite sure why you people wish to continue to sabotage my credit. You have re added my student loans to my credit file. They are listed on my credit file 6 times. I only have XXXX student loans and they are all current. You have duplicated the information. Please remove the duplications off of my credit file. I only have XXXX student loans which I have had on my credit file since 2005. Not XXXX. Take the duplications off of my credit file immediately. My attorney will be filing the financial harm suit against you people very soon. 
XXXX XXXX
Product: Debt collection

Hello, I have tried multiple times to dispute the account under XXXX XXXX XXXX and they continue to say the debt is verified by only sending me copies of the billing statements. This account as due to identity fraud. Also, I have verified that they are not licensed and bonded with the State of Michigan by using the website XXXX XXXX XXXXXXXX 

One amount is for {$1100.00} and another is {$1700.00}