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

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 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 any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection. 

INQUIRES : DATE OF INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE ARE THE INQUIRES I DEMAND OFF MY CREDIT AS YOU TRANSUNION CAUSED IDENTITY THEFT ON MY CREDIT BC YOU HAVE NOT REMOVED AS I ASKED. YOU NEED TO BE COMPLAINT TO THE LAW PERIODT..DELETE ALL INQUIRES LISTED. ALSO ON MY REPORT YOU HAVE MANY NAMES ON IT. I WANT ONLY MY NAME WHO I AM XXXX XXXX XXXX. 
REMOVE XXXX XXXX. YOU ARE NOT ACCURATE WITH INFORMATION ON MY CREDIT SO STOP REPORTING WRONG AND IF YOUR GON NA REPORT BE ACCURATE .. DEMAND YOU TO REPORT ACCURATE INFORMATION
Product: Vehicle loan or lease

I paid off my vehicle on XXXX 2021. I paid {$5600.00}. I was told that I would receive my title in the mail within 45-60 days. It is now XXXX. I have called global lending services several times and have been given the run around as to why the title has not been sent to me. They are now saying that I need to do a lien release and go to dmv. Thats not the proper procedure. If I paid my money, then they are supposed to release the vehicle title because I am the sole owner of the vehicle now that it is paid off. This behavior is unacceptable.
Product: Credit reporting or other personal consumer reports

I paid Lexington law yo fix my credit and nothing ever changed
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding a collection account reported by XXXX XXXX XXXX on my credit report. This account, listed under the reference number and amount of {$1000.00}, was reported on XX/XX/year>. I dispute this account on the grounds that I have no contractual agreement with XXXX XXXX XXXX, nor has there been any verification of the debt or assignment transfer contract provided that would legally authorize them to collect on this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt. Despite this right, no validation has been provided, and XXXX XXXX XXXX has failed to produce any documentation establishing their legal authority to collect on this alleged debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, it is unlawful to report inaccurate or unverified information on my credit report. The absence of a signed contract, valid assignment, or verification of this debt confirms that this collection account is both inaccurate and unverifiable. I am also filing this complaint against Equifax for reporting this inaccurate and unverified collection account on my credit report. Equifax has a legal obligation under the FCRA to ensure the accuracy of the information they report. By continuing to report this erroneous account without proper verification, Equifax is in violation of the FCRA. I am requesting the immediate deletion of this account from my credit report by both XXXX XXXX XXXX and Equifax. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action to ensure compliance with federal laws. I expect this issue to be resolved promptly and request confirmation that this account has been removed from my credit report.
Product: Credit reporting

My landlord took me to court for non payment of rent and late fees to evict me. I went to court and testified that he refused to fix my cooking stove as the reason why I had not paid the rent. I was ordered by the judge to pay back rent and all late fees assessed. the eviction was withdrawn and all back rent and fees were paid. Eight months later when lease renewal came landlord asked me if I would like to move. I said yes and did so because he was refusing to repair AC. I have discovered that he has submitted to my credit report that he evicted me and I owe him money. which is not so..
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$0.00} I disputed all the Incorrect Information reporting on my credit profile, I asked them to remove all misleading information. Experian responded back with incorrect still in my credit profile.
Product: Debt collection

I am writing to formally dispute the debt claimed by LVNV Funding and request validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am seeking clarification on the validity of the debt they claim I owe. 
In reference to the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which serves as a precedent, the court ruled that debt collectors must provide clear and sufficient documentation to verify that they are authorized to collect the debt and that the debt is accurate. The ruling highlights the importance of ensuring that the consumer has adequate information to assess the legitimacy of the debt.

As of now, I have not received sufficient verification of the debt from LVNV Funding. In light of this ruling, I respectfully request that LVNV Funding provide : 1. Proof of the original creditor. 
2. Documentation showing the amount of the debt owed, including any interest, fees, or charges.

3. A clear chain of assignment of the debt to LVNV Funding.

4. Copies of any signed agreements or contracts related to the debt.

LVNV Funding {$450.00} {$55000.00} {$450.00} I am aware that under the FDCPA, LVNV Funding is required to validate this debt upon request. I expect that if they are unable to provide this information, the debt should be considered invalid, and any further collection activity must cease. 
Please treat this letter as my official dispute of this debt and my request for validation. I kindly ask that you acknowledge receipt of this request and ensure that LVNV Funding complies with my request in a timely manner.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 129 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

Account # XXXXXXXX XXXX XXXX XXXX  This is not my account.
Product: Debt collection

I have sent 3 times certified with return receipt in total of for a debt that is still on my credit over year that is not mine. I have asked copy of my signed contract or any signed agreement between me and the supposed debt obligation. They have only harassed my phone during regular hours and after hours of XXXX. I have received calls up to XXXX XXXX. They have made multiple duplicate negative entries on all 3 of my credit reports. I have reached out also by phone with nothing but disgust and being lied to about to the legal protocols of credit, debt collection and what I am supposed to pay them. I have never worked with a company that shows such a disregard for people or the law. When I bring up the FDCPA they respond with try to enforce it.
Product: Debt collection

I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.
Product: Debt collection

Midland has stated this debit is mine and was then served in a property that I don't reside in. So was never aware of the judgment placed on me. I have emailed them and mailed them a letter to please send me a copy of the signed contract bearing my signature that shows I am directly responsible for my debit, an itemized accounting of the amount they are trying to collect including fees and charges. the name and contact information of the original creditor. The FDCPA states you must cease collection efforts until you have provided this and have 30 days to respond. They have not responded, nor have they ceased the collection. I call regularly and there is no answer. It's obvious this is not my debit since they served the judgment where I don't reside in. Please help with this matter, at this point I can sue them for not providing me with any information on this debit and supposal being served where I don't live. I would like to do a police report but don't have any Infromation to do a police report since I have no information on this matter, and they have now exceeded there 30 days to respond. 

Thanks XXXX XXXX
Product: Checking or savings account

i hired a debt resolution firm to help me out with my credit and debt, when i hired htem they told me that i will be paying 40 % of the debt and small payments towards my debt, i figured it out when i went online to do some research on theyre review i figured that out that i am not the only one, alot of ppl got scammed by XXXX XXXX i calle Chase to do a dispute, i did a dispute for the XXXX case andi had a bunch of small disputes, they returned the money to me after few days they returned it to XXXX and the closed my case, all the disputes that i made that day around {$1300.00} was returned to the merchants and the case is closed so i dont have a chance to get my money back, it looks like somehow i have upset the representatives that i spoke to and that they did it this way on purpose so i cant get reimbursed. i feel betrayed by my bank big time
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ). specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the election found transfer act ( efta ) and regulation these actions have caused significant inconvenience and financial loss
Product: Mortgage

I owe {$510000.00} on a {$690000.00} loan. I asked for PMI to be removed and the request was rejected because they claim the LTOV ratio is not 80 % or less. My LTOV is 73.97 %.
Product: Student loan

I attended XXXX XXXX which has since closed down. I received a discharge of all of my federal loans through Navient because of this decision. However, I still have two loans that are private. I was made aware of the School Misconduct Discharge program Navient was offering so I completed the application and sent in as much information and documents as I could on XX/XX/year>. It took over a month to receive a response, which was a denial with no real reason given. I requested clarification and an appeal, neither of which were acknowledged. I also requested copies of my original applications, promissory notes, master promissory notes and original disclosure statements on XX/XX/year>. These requests were also ignored. I included more information on my application and resubmitted it on XX/XX/year> and to date have yet to receive any type of response but Navient it now requesting payment on these two loans.
Product: Credit reporting or other personal consumer reports

I was checking my XXXX  consumer report an noticed that XXXX  account XXXX is reporting late payments which is a violation of my rights under the FCRA 15 usc 1681 A ( d ) 2 ( a ) and 15 usc 6802 I have attached documentation that show account is in good standing and I would like the late payments removed and account updated
Product: Debt collection

This company has called my husband repeatedly demanding payment. We are currently working with our insurance company to cover the bill. We have also stated to this company to ceast and desist until we are able to straighten the situation out.
Product: Credit card or prepaid card

I was notified by credit monitoring on XX/XX/22 that a new business credit card had been opened under my name at Bank of America. Despite being a regular banking customer with them, I was not notified by them of any attempt to secure a credit card. I only found out about this through a third party. This credit card is now showing on my credit report. 

I called Bank of America and created claim # XXXX the next day, on XX/XX/22, and informed them that this was a fraudulent card that was opened on my account. They indicated they would note the account. 

Today XX/XX/22 I received a text message that my Bank of America credit request was approved despite their knowledge that this was a fraudulent request.
Product: Credit card

I asked for a copy of my credit report since my score dropped XXXX point all recently. I have no credit card debt and then I find that this company : THD/CBNA credit card which I never had. They show that I owed {$8800.00}. 

Also, on another credit bureau online, I found my address had been changed and my phone number. There was also an outstanding balance on a Home-depot account. Several other soft inquiries to several stores and banks were discovered. I fixed the address and phone ; and froze my accounts with all credit bureaus. 

How do I get my credit score fixed now? When I need insurance, the price is based on my credit score which is XXXX. I had over XXXX something prior to this breach. 

Thanks
Product: Debt collection

I am writing to you as a last resort to resolve this issue and upon the advice of the clerk of the court in XXXX, Florida prior to filing a writ. I have attempted several times to have this removed from all 3 credit reporting agencies to avail. OnXXXX, XXXX XXXX representing a company known as Amerassist contacted me via email requesting that I pay his company {$1500.00}. I advised XXXX that I do not know what he is referring to and requested verification. I received on XX/XX/21 a copy of a contract from XXXX highlighting a company XXXX, XXXX that I had previously done business. I immediately advised XXXX XXXX that his request for payment has been denied on grounds he was unable to produce any documentation that indicated a contract between myself and Amerassist. XXXX XXXX continued to send harassing emails to me on a repeat basis ignoring my notice to cease and deceit. Additionally, XXXX XXXX has entered a hard inquiry on my credit report without the required permission and in violation of the FCRA. It is my belief that this was conducted as a retaliatory act and with the direct intent of lowing my credit score even further.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXX  has been charged off, and was closed by the company on XX/XX/year>. It should not be showing on my report, nor should it still be showing a balance, since it has been written off. I have not received the IRS Form XXXX, showing this account was written off as a loss, if said company has received a tax write off.
Product: Money transfer, virtual currency, or money service

I was the victim of online harassment and fraud and someone threatened to publish my personal information online. I sent some money via PayPal. The next day I called PayPal to report the fraud issue. They put a hold on the funds but then transmitted my information to the fraudster. They said it was part of their standard procedure. During my initial conversation with PayPal I told them I do not want my information sent to this fraudulent account and did not want them informed. I called back after getting PayPals confirmation email. The email stated the fraudster had been informed as part of the dispute process. On the second call I was informed that this is the only process they have. This process does not protect victims of fraud and harassment. I am very concerned that this will encourage retaliation and that PayPal did not provide me a safe way to report fraud without informing the fraudster. This is a serious breach of trust and failure to provide protection to customers.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number XXXX Consumer DOB : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consist of Addresses : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX This fraudulent, inaccurate, and false information consist of accounts XXXX XXXX Account # XXXXXXXX XXXX XXXX, with a balance of {$1600.00} ; XXXX, Account # XXXX, with a balance of {$2500.00} This fraudulent, inaccurate, and false information consist of hard inquiries : XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several hard inquiries, fraudulent collections, and Non deliverable addresses appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, hard inquiries, and addresses as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries, and addresses 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, hard inquiries, and addresses are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed are a picture ID, a bill, and a letter from XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Not sure if this will apply but I'm having issues removing a former mortgage note from my credit report. Originally the mortgage was shared by myself and my ex husband but since we've gotten a divorce he's the soul owner of the house and I'm no longer apart of that house. At first the house wasn't on my credit but somehow it appeared and I don't want it on there because I'm no longer the co-owner of the house.
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 XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX 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, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking at the information listed on my credit report I am interested in processing disputes with Equifax to clear all inaccurate information listed on my credit report. please delete the items listed to help clear my file asap.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved