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

The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/2018. This account is fraudulent and does not belong to me. XXXX opened on XX/XX/2018. This account is fraudulent and does not belong to me. Police reports have been mailed to the credit reporting companies.
Product: Debt collection

On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything.
Product: Credit reporting or other personal consumer reports

This account is being fraudulently and inaccurately to my credit report. Identity Fraud is a Federal Crime and punishable up to {$5000.00} or prison time or both.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CUSTOMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHT OF PRIVACY. ACCORDING TO THE FOLLOWING FAIR CREDIT REPORTING ACT LAWS : 1. 15 U.S.C 1681 SECTION 2 ( A ) STATES I HAVE THE RIGHTS TO PRIVACY.

2. 15 U.S.C 1681 SECTION 604A ( 2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

3. 15 U.S.C. 1681C SECTION ( A ) ( 5 ) STATES NO CONSUMER REPORTING AGENCY MAY MAKE MY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORM OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDACATE THE REPORT BY MORE THAN SEVEN YEARS.

4. 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 ACCURATE.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate addresses from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please find enclosed a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which I have submitted, as well as supporting documentation, including a recent utility bill that verifies my current and correct address. 

I do not recognize nor have I ever been associated with the following addresses currently listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The Only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Under the Fair Credit Reporting Act XXXX it is your responsibility to ensure that all information reported on my credit file is accurate and verifiable. These addresses are incorrect, and I do not wish for them to remain on my credit profile, as they are damaging and misleading. 

In addition, under the Uniform Commercial Code ( UCC ) and the Truth in Lending Act ( TILA ), I have the right to fair and accurate reporting of my personal information. I request that your bureau remove these erroneous addresses from my credit report to prevent further potential damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX late payments XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX late payment XXXX. XXXX XXXXXXXX XXXX : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX late payments XXXX. XXXX XXXXXXXX XXXX XXXX XXXX : XXXX late payment XXXX XXXX XXXX XXXX : XXXX late payments XXXX. XXXX XXXX XXXX : XXXX. XXXX late payments XXXX XXXX XXXX XXXX XXXX : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these accounts on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement Of Identity Fraud XXXX. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Debt collection

This company is falsely reporting negatively on my credit reports for a debt that does not belong to me. I have no contract or never heard of this company. Unless this company can show me with ink wet signature proof with my signature that this account belongs to me, it is within my rights cfob enforce the law and mandate this company remove all negative remarks from all reporting agencies today. 

once again unless this company can show 100 & percent accuracy of debt owed and show proof with my signature that I agreed to repay said money owed, this account needs to be closed and removed today and CFPB must enforce the laws protecting me from false claims.
Product: Vehicle loan or lease

I had my car loan with PNC for my previous car. 
After my previous car got sold carloan had been payed full by the dealership. 
My account got closed with PNC and I got locked out from their website! 
Which is normal but they still continued to take out car payments from my personal bank account! 
It happened twice! After the first time I talked to them and they promised it wouldnt happen anymore! 
Got a refund from them but it took 10 days! 
However happened again a month later! 
After the second time they took out money I called their customer service but they tried to blame me and they said I should of had to stop the payment myself through my online account! Which is impossible because 1 ) they locked me out from my online banking since my account been closed so how I supposed to cancel anything?! 
2 ) I did talked to them on the phone after the first time and they did say it wont happen anymore! I was just simply trusted them! 
After 11 days I still dont have my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got out of an abusive relationship after living in a battered women 's shelter for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and Experian - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Mortgage

I cancelled my refi with XXXX within the 3 days, this was not disputed. however, XXXX sent the payoff anyway. The payoff was made on my house account ( with XXXX ) and then reversed within the same month. A month and a half later I get served with a lawsuit where XXXX is suing me for my house, saying I took their money, even though I still had the outstanding mortgage balance with XXXX. This has been going on for over 3 years and last week a judge granted XXXX a lein on my home. I need help, no one is following the rules here.
Product: Debt collection

i have written multiple dispute letters to the creditor stating the debt surpasses philadelphia, Pennsylvania statute of limitations guildlines of ( 4 years in pa to collect on a debt ). they have avoided the letter as in i received no response. i than sent the company a letter stating not to call me at work or home and if they persist with continuing to harrass me, i will file a complaint with the cfpb for violating the fcra and not complying with the request to not call me..after months of no response, i sent the creditor a goodwill letter in hopes to remove the debt because im currently unemployed and no way at all to pay back the debt and i still havent got a response from creditor and really need help removing this from my report because its affecting my score rapidly. If i could the balance, i would. i bought every car i ever owned from this creditor and would like to continue business together but i cant get a response to save my life.please help.thank you
Product: Credit card

Case number : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date : XX/XX/XXXX I ordered a XXXX XXXX for a XXXX XXXX XXXX XXXX from XXXX XXXX. The original order was for a part that was labeled to fit this year, make and model vehicle. The website was mislabeled and a merchant error that was noted and updated by the merchant after I received the part and brought it to their attention. I contacted the merchant and they agreed the part number was miscategorized and instructed me to return the product in the original package. The merchant refused to to provide a shipping label and I was disputing the shipping cost internally with management. 

I was offered to have them send the correct part for my year, make, and model and the cost was not honored as the price posted on the website. The website listed a cost of {$490.00}. The new part was shipped and installed on my vehicle. 

I continued to complain with the merchant that I have the original order and would like a refund. They refused their refund and refused to pay the expense of return shipping even though it was the merchant error. I reluctantly sent the part back with a cost of {$120.00} which was also charged to the XXXX 's credit card on XX/XX/XXXX. XXXX tracking number XXXX. The return was received by XXXX on XX/XX/XXXX. The merchant received the refund and still refused to refund the disputed charge or credit my account for the shipping cost. 

Again, the part was mis-labled by the merchant and did not fit the vehicle as the part description stated. I spoke to several customer service reps at XXXX who agreed the part was not correct, the error was on the merchant side, and they opened a tech ticket to update the website to fix the description. 

XXXX failed to perform an Adequate Investigation, failed to contact me the consumer to gather additional information, and clearly resolved the dispute via automation as the facts were not taken into consideration. 

To resolve this complaint, I expect to be credited for the {$490.00} and {$120.00} for shipping
Product: Credit reporting or other personal consumer reports

XXXX has no multifactor authentication methods for its accounts. This is a severe security risk. Both XXXX and XXXX have some form of XXXX. There is no contact us or manner to address this with the company. This should be a requirement and these companies helps to a higher standard given the sensitivity of the information they hold.
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 XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXX report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

I have repeatedly requested a " pay-off '' statement from  XXXX   XXXX   XXXX   XXXX   XXXX  on behalf of Pennsylvania Higher Education Assistance Agency '' ) in relation to a loan I 've been paying on-time and regularly every month for more than 10 years. I have received no response. I have been wanting to pay the entire balance owed, and their ignoring my request has caused me to unfairly continue to pay interest.  XXXX  / Account #  XXXX .
Product: Debt collection

I keep receiving mail to my home about a debt collection but the person who owes this debt isnt me the name is XXXX XXXX  and has put my address. He also passed away a couple months ago but the correct address where this mail should be going to is XXXX XXXX XXXX XXXXXXXX, VA XXXX. He used to work with me but Im confused as to why i keep receiving mail from him at my house when he doesnt live here and is deceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.
Product: Debt collection

Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. 

I already wrote to this company with no response.
Product: Debt collection

Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252.

Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors.

legislature.mi.gov Please provide the following information : Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g.

Legal Authority : Proof that your agency is licensed and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252.

Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred.

Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency. 
Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XX/XX/2024, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts. 
senatedems.com Compliance with these updated provisions is mandatory. 

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to assist anymore. I threw out all credit reports, email and passwords. 
It is just so overwhelming. No one cares that two bullies stole my identity and committed Identity Theft and Fraud. 
I am sitting in the floor. I literally own a small bag of clothing, my blanket, my two prepaid phones. This is what I own now. I am XXXX years old. I can not write anymore letters. I don't have anymore money for postage. Too much money spent on trying to help myself and the credit reporting companies just keep adding more. I submitted my identity theft and fraud report. No one wants to accept it. Because if they accept it they can not report it. My health has been put in a not so good way. I don't eat, unable to sleep, my family thinks I did all this stuff. But I did not. I have no friends, unable to attend church. I barely have a home. I have a floor to sit on. Why the government or police or someone did not help sooner is unconscionable. XXXX once again and again no more. My phone number had changed celebration. XXXX and a second number for back up XXXX. Nobody believes fraud. They just say you should pay your bills. I did and still do but my housing is coming under attack because my credit score is so low, won't have a home and with the cold coming on and no coat I won't last anyway. I do nothing but sit and cry and pray everyday. You should go help other people. I am just waiting your time. XXXX XXXX