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

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Product: Credit reporting or other personal consumer reports

XXXX - Account # XXXX XXXX late payments reporting for the months of XXXX and XXXX XXXX XXXX account # XXXX XXXX late payments showing but information is innacurate shows only XXXX late payment for month of XXXX through transunion and XXXX but not XXXX Then month of XXXX shows late only on XXXX but not transunion XXXX XXXX How come the information is not the same across all bureaus reporting this matter? 

Ive mailed out a letter stating this information is incorrect, and they have not removed this negative item hindering my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase XXXX : {$560.00} Loan Amount : {$530.00} XXXX XXXX XXXX XXXX Term : XXXX Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 


I was told this would be removed once Account was paid I have paid this off and I was provided a paid in full letter but they will not remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report is in their special handling department. As a result of being in this department that do not allow me online access to my report. There is no direct number to this department, which is the only department that has access to my credit report at XXXX. They say this is for my protection, which makes no sense because everyone but me who requests my credit report is able to get a copy. I am only able to get a copy of my report through third party reporting agencies. Not to mention they are continuing to report a fraudulent account by cedar business services when they have knowledge that the information is false. XXXX  refuses to take my account out of this department that is very hard to get in touch with. It takes hours for me to get to this department, if I am able to get to it all, and after being transferred several times and being asked hundreds of questions by each representative that I am transferred to. I have been told by XXXX  that my account will be in this department for the rest of my life.
Product: Credit reporting or other personal consumer reports

Reporting of inaccurate information and refusing to remove once disputed all hard inquiries were not made my me all late payments are false XXXX XXXX is being reports and debt is paid already
Product: Payday loan

My name is XXXX XXXX XXXX and in XXXX of 2015, I applied for a loan with Cashnet USA. I applied because, I desperately needed the money to help save my home. It did n't help because I eventually, lost my home anyway. I feel like I 'm being taken advantage of. I did n't realize that my interest payments were 24 %, but, it would not have mattered because I needed the money. On a loan for {$800.00}, to date, Cashnet USA has taken out {$2400.00} dollars from my account. I am asking that CFPB investigate this matter and issue a cease and desist order to Cashnet USA to stop debiting my account. As of today, XXXX XXXX, I owe them {$100.00} and a balance of {$340.00} dollars. At this rate, I will never be able to pay this money back, when in fact, I 've already paid them three-fold. I must add, that I am a XXXX. Please help, I am about to become homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.
Product: Money transfer, virtual currency, or money service

I was wrongfully charged for transactions I had upon my account and when working through with their support and customer service i was not able to get a proper resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. This account has VIOLATED MY RIGHTS!!! ( ( XXXX XXXX XXXX XXXX ) ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature, proof they own debt, payment plan/history and creditors information or I expect this account to be deleted within 30 days!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account BXXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXXXXXX  I paid what I thought to be a debt showing for {$980.00} that was settled for {$410.00} for XXXX XXXX  which at the time of XXXX  stated on my credit report, was the financial company handling the XXXX credit. The debt holder was originally XXXX XXXX  which then was sold to Distrssed Asset Protfolio III, LLC which was then sold to Unifund CCR , LLC. I called Unifund CCR LLC on XX/XX/XXXX and explained that I had a date, dollar amount, and reference number for the supposed debt paid off. The representative explained that they would not give a reference number but would send out a letter saying that the debt had been paid off with the agreement. I never received such a letter which makes me believe that I was scammed. So I filed a dispute with Unifund CCR LLC, XXXX, and XXXX to have the item removed from my credit report. XXXX has come back twice now saying that the debt is accurate however, the rep from XXXX stated that they are only reaching out to Unifund CCR LLC to verify if the debt is accurate. They are not going back to the original owner XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX three times. On the 1st attempt to call I was transferred over to XXXX which just brought me to an automated 2-option selection screen. On the 2nd attempt, I was hung up on by the rep XXXX when I asked for a copy of the original contract. On the 3rd attempt, I was connected with a rep by the name of XXXX. She told me that XXXX XXXX could not and would not supply me with the original contract and that I needed to contact XXXX to get that. I knew this not to be true but I called XXXX and spoke with the rep XXXX and she said no that would be supplied by the bank because they do the financing. 

What is to stop these debt buyer companies or people from double dipping on debt that is owed or not owed? I have worked very hard to keep track of my credit report and just had to file a fraud report yesterday ( XX/XX/XXXX ) because someone opened a credit card in my name. This is happening more and more every day and people like me are getting hit.
Product: Checking or savings account

While I was checking the status of my stimulus check on the IRS website, the information provided was saying that the check was deposited to a bank account ending in XXXX which I did not recognize ( my bank account ends in XXXX ). 

After checking all my financial accounts ( including credit card accounts ) i realized that I am a victim of fraud since the account opened under my name doesn't belong to me hence I don't know what illegal activities it is used for in addition to the fact that I will not be getting my stimulus check since he IRS sent it to this account under the impression that it is myself.
Product: Student loan

I took out a {$5000.00} loan with XXXX XXXX back in XX/XX/XXXX or XX/XX/XXXX for my attendance at University XXXX XXXX. Once I started repayment on them my loan has increased to almost {$10.00}. So I accumulated double in interest. How is this possible. I went back to school and deferred my loans which was until XX/XX/XXXX. By this time navient has now taken over my student loans. I was n't advised of the change. I 've to one person in regards to my account and they say I owe {$300.00}. which I was only pay {$100.00}. They have been calling me nonstop all day. I do not want to speak to them unless someone is willing to help. No one is willing they only want there money. Why is my interest so high? Why are n't you trying to help me lower my monthly payment. why is the interest that much on a college student.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX XXXX also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX and hopefully XXXX has put one out like i requested since i reported both companies the nc doj
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer is writing this complaint and no third party is involed. I need the CFPB help in investigating this XXXX and Experian action. I learned Experian is depriving me of many rights. Any contract I have with XXXX XXXX XXXX and Experian is null and void due to the nondisclure of my right to non disclosure. 15 USC 1681 Section 602 A states I have a right to privacy. Experian nor XXXX never communicated this to me. They never communicated with me about any right available to me. 15 USC 1681 Section 604 A Section 2 states a CRA may not furnish any account on my consumer report without my written instructions. I do not recall giving my consent for this account to be reported. The account open dates last payments and late payments furnished are all inaccurate.
Product: Debt collection

XXXX/XXXX  shared my personal information with debt collectors TENAGLIA & HUNT who filed a lawsuit on XXXX/XXXX behalf. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX/XXXX or TENAGLIA & HUNT that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX/XXXX knowingly transferred my personal information without my lawful authority to debt collectors TENAGLIA & HUNT and debt collectors TENAGLIA & HUNT obtained and is in possession of my personal information without my lawful authority and has used such information and illegally attempted to collect an alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a background check for XXXX the company " accurate background '' was the company that did my background check. The results of the background check ended in a adverse decision. The company requires a 7 year background check. My felony is 7 years old as of file date of the criminal charge XXXX. The background company went by dispostion date rather than the file date which is the FRCA policy. I would like to know what the policy is when it comes to when the clock starts on the 7 year rule and if the company is not following those guidlines. I was denied a very very crucial important job in these desperate times we are going through and this has effected my family in every way. Please contact me asap
Product: Mortgage

I just found out that someone used my identity to applied a XXXX XXXX  and took over my mortgage with out my knowledge and permission. In XX/XX/2003. 
Wellsfargo Home XXXX XXXX mortgage allowed the other fraud to applied a informal Loan by using my personal identity and its making me lost my identity and became Victim Of Identity Theft. The loan is {$190000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card or prepaid card

Bank of America Credit card keeps withdrawing credit card payment without my authorization and creating overdraft check and bank fees from my bank and they are also charging me fees for NFS. My online account does not allow me to make the necessary changes to remove my bank account routing and account number from their system. They are extremely non cooperative. I did not authorize automatic payments for Bank of America to deduct moneys to pay my credit card bill.
Product: Checking or savings account

XX/XX/XXXX - called USSA for justification *had policy explained redundantly, transferred to resolution department *resolution department extremely rude and unhelpful *Senior memeber advisor to the super boss told me i was not allowed to record him and disconnected the call. Even though they were recording. He said he would not email me any policy letter that shows what he was informing me on and i could find the information myself online. Apparently, explaining i was stranded on vacation and could not wait 5 days for the funds ... an exemption wont be granted that will release XXXX because of XXXX worth of clarification. Instead he captured the complaint for a team to reveiw. When banks are too big to need customers we clearly have an issue. Take your money to a bank that doesnt spend millions on marketing to cover up terrible customer service. Or contiue to receive explanations like you clicked agree so technically we can hold it for a week.