23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

DEAR COMENITY CAPITAL BANK XXXX XXXX ; CFPB ; I am writing to address a matter concerning an alleged debt of {$1000.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity.

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations.

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt.

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and Experian by XXXX XXXX. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, XXXX XXXX did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Debt collection

On XXXX/XXXX/XXXX I was hospitalized. I pass out at work and admitted to XXXX XXXX XXXX XXXX. I was discharged XXXX/XXXX/XXXX. The total amount of bill {$11000.00} after all insurance payments. I was left with {$4900.00}. I was paying {$100.00} every 2 weeks to Franklin Collection Services ; XXXX. XXXX XXXX, XXXX, XXXX . I lost My Job From XXXX XXXX XXXX XXXX XXXX On XXXX/XXXX/XXXX. I was only receiving unemployment and part-time work at XXXX. Excess phones call and threatening legal actions from representatives. XXXX. I have paid {$1000.00} to the account but on XXXX/XXXX/XXXX the representative stated I owed {$4600.00} and I am out of work once again XXXX/XXXX/XXXX lost job.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is reporting inaccurate information on my consumer reports. 

In XX/XX/2022 I made of payment of {$140.00} and was offered a payment plan ( XXXX XXXX XXXX ) to settle my debt balance. On XX/XX/2022 I made an additional payment of {$120.00} as a down-payment for the payment program. The XXXX XXXX XXXX claims to offer the following : 1. Temporarily lower monthly payments and interest rates 2. Waive late payment fees 3. Prevent account from going further past due When I enrolled in the program my monthly payment was reduced to {$72.00} and interest rate lowered to 5.99 %. I've made all payments on time, however my interest rate has not been lowered, causing interest fees on my total balance at a rate higher than 20 %. I've also been charged late fees each month. My account is also still reporting as past due/late every month to all 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Credco XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
Product: Checking or savings account

I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I see that same information was erroneous. The 3 credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance Owed : {$56000.00} XXXX  XXXX Balance Owed : {$56000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

This complaint is about Grant & Weber debt collection who trying to collect on a debt for auto loan that was closed XX/XX/2018 that went into a write off Grant & Weber reported to the credit Bureau that this account was XX/XX/2018 and soon after started putting derogatory marks on my credit report and have been charging me Interest on this collection for the past 3 years I finally was able to get in touch with someone at the company who stated he did not have a company ID number or identification number just that his name was XXXX XXXX informed him that under the consumer 's right act I would like for them to send me all documentation pertaining to the debt that they are trying to collect on and are reporting about I was told they did not give out that information and that I must have XXXX  that I ensured him that this come directly from their website and he didn't seem to like that very much he started getting very defensive the conversation heated up he could not tell me when I would receive paperwork if there was anybody I could talk to that would know or how long the process would take eventually XXXX hung up on me and when I researched this company they had a lot of complaints that were listed it seems that this is the practice that they use and from my understanding it is your right and under federal law to receive such documentation from any company when asked for it which their refusal which puts them in violation
Product: Debt collection

On XXXX I Received an alleged debt collection letter from Hunt & Henriquez that I owe {$5400.00}. 
I responded on XXXX disputing and requesting for a validation letter not a verification letter for the alleged debt. 
2. Requested original contract showing I agreed to pay for the alleged debt. 
3. A copy of chain of title that grants Hunt & Henrquez authority to collect. 

On XXXX approximately XXXXXXXX XXXX there was a repetitive loud banging on my door which startled my family and I.. A gentlemen was there with a set of papers and didnt want to identify himself. At this time of the night to hear loud banging and not knowing who or why theyre at my house was a big concern since they didnt want to identify themselves. They threw the papers in front on my door step. I waited about 20-25 minutes for them to get into a white suspicious vehicle that finally took off. I opened the door again and it was a summons from Hunt & Henriquez. Im dont think those are reasonable hours for any type of business to send out their employees and harass people by aggressively banging on their doors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST XXXX OF SSN # XXXX XXXX : XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a f f i d a v i t Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company .. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting i n a c c u r a t e i n f o r m a t i o n. A 1.l a m asking for the original appli
cation bearing my signature 2. Method of verification 3. Who verified the account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for t h e allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these XXXX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediately. XXXX XXXX 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 ... l would like these accounts deleted immediately!!!!! within 30days of this letter...
Product: Credit reporting or other personal consumer reports

I am victim of XXXX XXXX. The following accounts are a result of XXXX XXXX Attached is my VICTIM DETERMINATION LETTER, ID, PROOF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

I received a copy of an IRS form in the mail which is referencing the mentioned account. Please see the attached documents for further details regarding this matter. Thank you.
Product: Checking or savings account

Navy federal credit union applied an NSF fee I have overdraft protection and I dont understand why I have {$29.00} NSF XXXX The company is also charging {$20.00} per transaction even if the transaction is on the same day. I was not told that this will happen this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality 15 US 1681. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXXl XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) 1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A section : 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 containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall notfurnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I can absolutely provide all documentation to show what I am saying. 
This company gave me the run around through the entire process and they they are trying to force me to sell my home. 
They agreed to a loan modification process which we engaged in have done everything they asked and now they are sending me a letter that they are going to force sale my house over the federally approved mortgage assistance. They want me to pay them all of the fofebearance due to COVID at one time or they are going to force sale.

I am not sure how that is right. I am not trying to get anything for free but I would like for them to honor the agreement they made to a loan modification.

If you start down this road allowing mortgage companies to require mortgage holders to pay all payments at once that they could not pay to begin with because of Covid, your gon na have a mess in your hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed transactions that were not initiated by me. The reporting of this information compromises the integrity of my credit file. I am a victim of identity theft. I reported the theft of my identity to the FTC to make them aware that my credit report has been accessed without permissible purpose and as a result is causing me financial damage by preventing me from operating in commerce. My reputation has been ruined which has caused me to lose faith in the procedures put in place by ( ENTER BUREAU REPORTING AGENCY HERE ). The fair credit reporting act is clear when it states that consumer reporting agencies has assumed a vital role and must ensure that they are acting fairly, are being impartial and ensuring that the procedures that are put in place meets the needs of commerce by reporting 100 % accurately and by respecting the consumers right to privacy. Currently ( ENTER BUREAU REPORTING AGENCY HERE ) has failed to adhere to their obligations.
Product: Debt collection

I am writing to formally dispute the reporting of a collections account through Fair Collections and Outsourcing that I believe has been inaccurately attributed to my credit file. Which I believe has been reported in error. Upon reviewing my credit report, I noticed that this collections account does not belong to me and was reported without proper verification. I have never received any notices or communications regarding this alleged debt, which raises concerns about its validity.To resolve this matter, I kindly request the following : A thorough investigation into the accuracy of the reported collections account. 
Verification of the debt, including documentation that proves I am responsible for it.

Immediate removal of this account from my credit report if it is found to be inaccurate or unverifiable.

I have contacted this company on XX/XX/2024 and requested a debt validation document verifying that the debt they are reporting on my credit file is accurate and belongs to me. Please acknowledge receipt of this letter and inform me of the steps you will take to investigate this matter. According to the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate my dispute and respond within a reasonable time frame.Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TransUnion XXXX - XX/XX/2023, XXXX - XX/XX/2023