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

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

XXXX Miscellaneous Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit file. I have been a victim of a data breach, and these items have been added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to remove such fraudulent entries from my credit report. 
Account to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XXXX - {$00.00} Inquiries 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my TransUnion credit report are fraudulent and resulted from identity theft of my personal information. I sent TransUnion my FTC complaint, police report, and a 609 letter asking for the fraudulent inquiries to be verified or removed pursuant to fcra and fdcpa. Also that I be sent copies of the verification they are obtain for my review. TransUnion failed to verify any of the inquiries or provide verification ( blacks law 6th ) as requested and they continue to report this fraudulent information which is adversely affecting my creditworthiness and making it really difficult to recover for identity theft victims. Please ask TransUnion to provide verification they are using to continue to report this fraudulent inquiries on my report! 

1 XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX  XXXX XXXX  XX/XX/XXXX 7 XXXX XXXX XX/XX/XXXX 8 XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XX/XX/XXXX 10 XXXX XXXX XX/XX/XXXX 11 XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX XX/XX/XXXX 14 XXXX XXXX XX/XX/XXXX 15 XXXX XXXX XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX XXXX XX/XX/XXXX 18 XXXX XXXX XXXX XX/XX/XXXX 19 XXXX XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am trying to resolve an issue with XXXX XXXX, XXXX ( also known as Encore Capital ). I am not aware of this matter that indicates XXXX XXXX became the servicer of this alleged account on behalf of purchaser, XXXX XXXX, XXXX. I sent a dispute in XX/XX/XXXX and in XX/XX/XXXX ; however, I did not receive a mailed copy of the verification information provided by the seller in XX/XX/XXXX or XX/XX/XXXX as stated. I comprehend the concept that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act ( FDCPA ). However, after reviewing the consent decrees that Encore Capital has received concerning their business practices from the CPFB and other reprimands from various judges, I am not aware if this alleged account in question remains collectible, due and owing to XXXX XXXX as servicer for XXXX XXXX. Furthermore, this alleged account in question is " Time-Barred '' if the information they are providing is accurate as stated. 

Any unscrupulous debt collector could possibly claim ownership of one 's alleged account and send statements generated by new technology as verification ( see attachment ). I find it reprehensible that a company could report negative information to someone's credit reports without proper ownership. Debt collectors must prove they have the right to collect a debt and establish an unbroken, valid chain of assignment back to the original creditor. I have seen no proof for a bill of sale, an assignment, or a receipt between the last creditor and debt collector ( s ) holding this alleged debt. I am entitled to know the chain of assignment for this alleged debt that specifies who/what was transferred and to whom/to where it was transferred if this information is reported in my credit files. In addition, I should have received correspondence from the original creditor if this alleged account was sold to another entity because it was allegedly charged off the original creditors books. 

I expressed a concern regarding how the alleged account is appearing on my credit reports, not report. Each one has different information reported monthly that causes harm continuously. I have contacted the credit agencies concerning XXXX XXXX 's credit reporting. I was advised that the 3 credit bureaus input information into their systems according to the creditor or debt buyer 's electronically sent information. 

XXXX XXXX did not respond to the various postings of this alleged account and its monthly changes and listings as other on some reports and collections on another report to the credit bureaus. In addition, Past Due, " Recent Balance, '' FP ( Failed to Pay ) or C ( Collections ), and Terms listed as 1 month are not permitted by debt buyers. This information continues to exist on all 3 credit reports. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). XXXX XXXX is not my creditor, and I have never signed an agreement with them or considered an alleged amount is accurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX
Product: Debt collection

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.cal. XX/XX/1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. {$710.00} {$1300.00} THEY NEVER RESPONDED they also stated that the medical facility stated I authorized other medical providers to access my account. I informed them THAT THEY ARE NOT A MEDICAL FACILITY, THEY ARE A COLLECTIONS AGENCY. I ASKED THEM TO PROVIDE ME WITH THAT INFORMATION OF A RELEASE TO THEM AND THEY SAID THEY WOULDNT
Product: Credit card

My Synchrony Credit Card is being hacked and synchrony won't help me. Today, XXXX, a payment was scheduled of {$2000.00} but I did not schedule that payment. Synchrony tells me that they only see that I have auto pay, even though on my end it shows a recent activity of an attempted {$2000.00} payment.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history with XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Loan origination date was 2004. I borrowed {$30000.00}. To date, I have paid back {$85000.00} ( {$44000.00} in principal ). I have paid back almost triple the amount that I have borrowed. Loan is still showing that I owe {$21000.00}. When I call the company and ask questions, they do not provide answers. How am I supposed to ever pay off this debt? Seems like very unfair collecting practices to have paid back almost triple what I borrowed and still owe over $ XXXX.
Product: Credit card

XX/XX/XXXX BEST BUY/CBNA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX Subject : Request for Removal of Debt from XX/XX/XXXX Dear Best Buy/CBNA, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from Best Buy/CBNA. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically seven years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue. I look forward to receiving confirmation of the removal of the debt from my credit report. 
Thank You,
Product: Debt collection

I'm formally requesting the removal of disputed items from my consumer file as required by the FCRA. Despite multiple attempts to correct inaccuracies directly with the furnisher of information, including sending multiple letters, I've received no response. The FCRA mandates accurate, complete, and verifiable reporting. If no proof of debt exists and the information reported is not verifiable, it can not be furnished to consumer reporting agencies. I'm not asking for an investigation ; I request that the entry be updated or reflected as closed/never late, as there's no evidence of its validity. I expect prompt action in compliance with the FCRA. 
XXXX 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

Subject : Request for Verification Under Section XXXX of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request, under Section XXXX of the Fair Credit Reporting Act ( XXXX ), that you provide me with copies of all the information and documents in your possession that pertain to my credit report. Specifically, I am requesting verification of the following negative items that have appeared on my credit report : XXXX. XXXX XXXX Management - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$200.00} - Status : Collection Under XXXX U.S.C. XXXX, I am entitled to request all information pertaining to these accounts, including but not limited to : - The original signed agreements for these accounts ( e.g., credit card, loan agreements, etc. ). 

- Documentation showing the amount of debt and the terms and conditions of the contract. 

- Proof of any payments made, including dates and amounts. 

- The full chain of custody or transfer documents if the account has been sold or assigned to a collection agency. 

I request that you send me these documents within the XXXX period provided by the FCRA. If you can not provide verifiable documentation, I respectfully request that you remove these items from my credit report. 

Please note, per XXXX U.S.C. XXXX, if you can not verify the information within XXXX  days, these accounts must be corrected or deleted from my credit file. 

Should you be unable to validate the information as requested, I expect you to immediately remove these entries from my credit report and confirm the deletion in writing. 

I look forward to your prompt response. 

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

XXXX XXXXXX/XX/XXXXhas reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from XXXX evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX items are errors without consent.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Received letter indicating that my Discover credit line of XXXX was reduced to XXXX after they pulled my credit... for what??? There was no reason for this as I have NEVER missed or been late on a payment & always pay more than the minimum payment. So they had no reason to pull my credit... How can they do that? I was not asking for a credit increase or any other thing that would warrant pulling my credit. This action places this account at XXXX  % utilization, when I was previously at XXXX % and working hard to get it under XXXX %. This action is going to severely damage my XXXXredit score and I HAD NO IDEA this action was coming - completely blindsided and devastated by this act. Is there any help from your agency to redress this damage to my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending penny mac to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all Hard inquiries to be removed from my credit report. Unauthorized inquiries according to the F.C.R.A ( Fair Credit Report Act ) legally this items must be removed.
Product: Debt collection

I purchased a termite pest control protection plan from XXXX XXXX XXXX XXXX and/or XXXX XXXX, which was financed with XXXX loans through its finance arm XXXX XXXX XXXX. Because XXXX did not provide the XXXX, I stopped paying the finance installment agreements. The alleged debts were sold or transferred to Focus Receivables Management, who has admitted in writing that the debts were " in error, '' only after reporting them to credit bureaus and sending me letters asking me to pay. Focus will not verify or validate the debts.
Product: Debt collection

In response to two medical debt collections, I sent a debt validation letter to Professional Placement Services , LLC via certified mail on XX/XX/22, the company received the letter by that following Friday XX/XX/22. In return, this company has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I asked the company to please delete this information from my credit file and cease all collection activities immediately before it appears on my credit file.

Amount requested : {$86.00} Debt 1 : {$75.00} Debt : {$10.00}
Product: Credit card or prepaid card

BANK OF AMERICA CHARGE OFF ACCOUNT DID NOT REMOVE FROM ALL 3 CREDIT BUREAUS CHARGE OFF STILL REPORTS VIOLATING MY CONSUMER RIGHTS ERRONEOUS REPORTING BY ALL 3 CREDIT BUREAUS.