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

I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the account and inquiries listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these items are the result of identity theft and are not legitimately mine. I have not authorized this account or these inquiries. 
I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following account and associated information must be blocked and deleted from my credit reports immediately : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

The debt collector refused to help or hear me out on the facts. Also refused to give any contact information to anyone else whom could help me. In XX/XX/2019, I had a new contract made with my ex partner with the apartments so my credit wouldnt be affected he was given the new contract in XX/XX/2019 by the administration in apartments. I was no longer on the lease he was. Now Im being charged for a debt that isnt belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.
Product: Debt collection

Violation of FCRA Violation of FCRA Fair Credit Reporting Act Reporting old debt as New or Re-aged False Statement in Re-aging old debt in reporting to credit report companies Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' sent letter to consumer with XXXX as letterhead and return address, implying threat of suit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$90.00} )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX received all my demand-letters since 2018 along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this XXXX  bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX  XXXX XXXX 's violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX  XXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX  and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX 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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Capital One an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on Capital Ones non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. Capital One agreed to the following : Once Capital One receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, Capital One agrees to satisfy the debt on the above account. 
Upon payment Capital One, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and Capital One, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, Capital One, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void.

Capital One endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.
Product: Credit reporting or other personal consumer reports

I have requested after this account was verified many times regarding disputes under 1681b ( a ) ( 2 ) /604 ( a ) ( 2 ) that pertain to this account appearing on my credit report without my consent/permission. Additianally, I have requested a description of the procedures used that led to this account listed below to be verified. Each time I have submitted these disputes via CFPB Portal and each time Experian has FAILED to provide the information thereby ignoring the actual information I requested which included the person ( s ) names, address and telephone number which is required in accordance with 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ) and Experian is required to provide this information to me in 15 days or I can sue Experian for {$1000.00} each time they fail to do so. 
I included a request fir this infirmation when I disputed this account via CFPB # XXXX on XX/XX/year> for which I received the results today stating that this account XXXX XXXX  ( XXXX XXXX ) - # XXXX # XXXX .Experian Report - XXXX Date Generated XX/XX/year> was again verified. I submitted my request again with my last dispute that I submitted via CFPB Portal on XX/XX/year> that I received results today and should receive the information that I requested with my dispute within 15 days or you agency will be in violation once again and I would have a right to sue Experian for another {$1000.00} according to 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ). Please send me the information within 15 days from now according to the aforementioned LAW.
Product: Debt collection

I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.
Product: Payday loan, title loan, personal loan, or advance loan

TitleMax hired XXXX XXXX XXXX to repossess Consumer 's vehicle. Consumer has not received any correspondence from TitleMax, although Consumer opted in to receiving email, text and phone communications. Consumer has not received any loan documents, notices to repossess, advice of Consumer 's rights nor the process of redemption as pursuant to Federal and State Law. TitleMax has Consumer 's correct mailing address, but never made any attempt to contact Consumer in regards to the account. Mailing address on file is XXXX XXXX XXXX XXXX GA XXXX. If TitleMax sells the vehicle without giving proper notice they can be held liable for damages. There is also a Surety Bond on the Title which TitleMax is aware of. This Surety Bond covers insurance, accidents and any default payments. Consumer was not able to access documents and disclosures as promised through the portal or the website because the documents would not download. Loan number was not provided not available in the portal so Consumer has provided their social security number with this complaint. Consumer has reason to believe TitleMax has been trading the Consumer 's asset backed security ( Certificate of XXXX ) on the secondary market. This is securities fraud, as the Consumer never received disclosure of securitization nor their share. I am the Authorized Agent and Beneficiary of XXXX XXXX XXXX XXXX. As an Investor, if you can not resolve this matter, I will be forced to submit an Investor Complaint to the Securities & Exchange Commission as well IRS FORM 211 to request an audit of the account. Reference Vin No. XXXX. Unfortunately, the only document Consumer received was a Denial Letter that has been attached to this complaint.
Product: Debt collection

National Credit Systems , Inc., continues to send collections notices regarding a debt not owed. I spoke with their direct client, XXXX XXXX XXXX and I was told they would handle and remove this as a debt based on their ledger it was for carpet, etc. Because there was no debt owed. They sent a ledger for carpet replacement upon moving out of the unit and prior to moving out of the deplorable unit after I communicated many times to property management the carpet needed cleaning ; however, they never cleaned the carpet. I reached out to the direct client and the direct client representative stated I should have never received any bill for this type of service because once a guest moves out of a unit, they replace the carpet, etc. 

The latest attempt was to collect from a letter dated XX/XX/2022, from National Credit Systems , Inc . The letter states a Resolution Offer of {$1100.00}. Again, I do not own or owe this debt. These business practices are beyond me to accuse a guest of XXXX XXXX XXXX of something beyond rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as WF Bank NA. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with XXXX. Neither time did XXXX notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that XXXX " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/XXXX.
Product: Checking or savings account

Subject : Unauthorized Transaction - PayPal Account Amount Disputed : {$490.00} Description of the Issue : A total of {$490.00} was fraudulently taken from my PayPal account, which is held by a private trust in benefit of XXXX XXXX. As the beneficiary of this trust, I am issuing this notice of special deposit and conditional acceptance regarding the unauthorized transaction. If PayPal authorizes such an adverse action against my estate without legal authority, I will rectify the matter through the IRS under the terms of special deposits held in trust. 

The unauthorized transaction violates the following laws and regulations : 1. Electronic Fund Transfer Act ( EFTA ) : The EFTA protects me from unauthorized electronic transactions. I reported the fraudulent transaction promptly and am not liable for the loss. PayPal, under the EFTA, is required to investigate and correct the error within a reasonable time frame.

2. Regulation E : Under Regulation E, PayPal must investigate claims of unauthorized electronic transfers and respond within 10 business days. To date, I have not received an adequate response or resolution from PayPal regarding this fraudulent transaction.

3. Fair Credit Billing Act ( FCBA ) : As my PayPal account is linked to a credit card, this unauthorized transaction may also fall under the FCBA. The law allows me to dispute unauthorized charges within 60 days of the statement reflecting this fraudulent charge.

4. PayPal User Agreement : According to PayPals own policies, including the Buyer Protection Program, PayPal is obligated to investigate unauthorized transactions reported within 60 days and issue a reimbursement if the claim is validated. I reported this fraudulent charge promptly, yet no corrective action has been taken by PayPal.

5. Federal Trade Commission ( FTC ) : If PayPal fails to comply with its obligations under federal law, I intend to escalate this matter to the FTC for failure to protect consumer rights as mandated by federal regulations. 

I expect PayPal to rectify the matter immediately, refund the amount in question, and comply with its legal obligations under these laws. Failure to do so will result in further action through the IRS, the FTC, and other appropriate channels.
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 confidentiallity under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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: Debt collection

Received a letter all of a sudden with a settlement offer, after disputing information on credit report requesting debt validation. It has been over 30 days and company has not responded with validation of debt ...
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Request for Investigation Dear CFPB, I am writing to formally dispute a fraudulent account that has been opened in my name without my authorization. I request your assistance in investigating and resolving this issue. Below are the details of the fraudulent account and the unauthorized activity : 1. Account Details : Account Holder Name : [ XXXX XXXX ] Account Number : [ XXXX ] Financial Institution : [ XXXX XXXX ] 2. Description of the Issue : On [ XX/XX/XXXX ], I discovered that an account had been opened in my name without my consent. I did not authorize this account and have not engaged in any transactions related to it. This fraudulent activity has adversely affected my credit score and caused significant XXXX 
3. Actions Taken : Reported the fraud to the financial institution on [ XX/XX/XXXX ]. 
Filed a police report on [ XX/XX/XXXX ] ( Report Number : [ XXXX ] ). 
Contacted the credit bureaus and placed a fraud alert on my credit report. 

I kindly request that the CFPB investigate this matter promptly and take the necessary steps to resolve this issue. Please remove the fraudulent account from my credit report and ensure that no further unauthorized activity occurs. 

I appreciate your attention to this urgent matter. Please confirm receipt of this letter and keep me informed about the progress of the investigation. Should you require any additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your assistance. 

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

XXXX - Submit LexisNexis Consumer Report dispute and LexisNexis State Disclosure dispute via online portal. Case Number : XXXX Both reports contain fraudulent and incorrect name, address, phone, business association, email, marketing, property deed, insurance, inquiry, digital idenitty, and ID analytics records. 

Proof of identity - passport, and proof of address - utility bill, were provided. 

XXXX LexisNexis email response - refual to process dispute, request additional proof of identity. 

Proof of identity and address were previously provided, I am not required to provide any additional documentation for the dispute to be processed. 

California Privacy Act and Fair Credit Reporting Act require LexisNexis to process the dispute and remove the errors and fraudulent information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, they are hurting my ability to obtain credit and it is not fair.
Product: Mortgage

I am XXXX assisting my client. PNC bank has continued to refuse to send me the information I have requested to assist the homeowner. I need a Verification of Mortgage and have sent a Qualified Written Request and XXXX authorizations on XXXX XXXX, 2016. They will not respond with a written statement mortgage on their letterhead or with an officer of the bank 's signature. They send information but not such that is acceptable for the underwriters. Please assist as this client needs assistance through XXXX program. They will not answer my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The last payment on this Debt is noted as XX/XX/2017. It is past the statute of limitations and should be removed from my credit report. 

2 ) I do not recognize this debt and I have submitted a FTC report attached as well. I am a victim of identity theft and I filed a police report that is notated on the FTC report. Additionally, my identity was stolen in the XXXX data breach and the XXXX data breach. I also was notified by the IRS that my identity may have been used to fraudulently seek employment. Please remove this debt from my credit report.
Product: Credit reporting 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, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # 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 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 seven years. 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.