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

Dear XXXX XXXX  XXXX Acct XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with Equifax, and XXXX it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that Equifax, and XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance Owed : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX years straight I paid all my bills on time XXXX score would never go over XXXX but my income change in XX/XX/2023 so I have some 60 days late and my credit score was dropped by XXXX  points. They never gave me XXXX  points when I was 4 straight years on time also within those all paid on time bills the decrease my {$2000.00} with XXXX XXXX to {$1200.00} which was my balance when they decreased so that made my debt to ratio high. Just XXXX  points is outrageous but I never advanced with the 4+ years been timely. Please help me this feels unethical wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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
Product: Credit reporting or other personal consumer reports

I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.
Product: Debt collection

GC Services left messages on my answering machine stating my name and that it was in regards to a debt. I shared my cell phone with my roommates and the voice mail does not state that it belongs to me. The debt collector is also calling my cell phone without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my consumer credit reports from XXXX and Equifax, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows 71 months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the Equifax and XXXX CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows 2 late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX to my attorney through PayPal. Once the payment left my XXXX XXXX card, the PayPal account email address was not active. PayPal advised that I make a second payment, which I did. The first payment was {$1600.00} plus the fee of {$47.00} total of {$1600.00} and the second was {$1600.00} with no fee to me. My attorney received the second payment to the updated email address, however, PayPal never returned my first payment of {$1600.00} to the incorrect PayPal account. Both were owned by my attorney, and both he and I have spent the last 3 months trying to get the money back. The first rep from PayPal advised me to raise a dispute with XXXX, I did that, and then after calling daily for 3 weeks I demanded to speak to a manager as each PayPal rep said it was out of their hands. When I spoke to the supervisor he said that the first PayPal rep should never have told me to raise a dispute, and that I now needed to cancel it. I cancelled it on the XXXX of XXXX and it was fully completed by XX/XX/XXXX. PayPal then said the same things to me, that I need to contact XXXX XXXX, I put both XXXX XXXX and PayPal on the phone multiple times and then PayPal said I needed to wait for the dispute to show cleared before they could do anything further. Nothing changed, until PayPal stopped having live reps on the phone due to COVID-19, and I could only do a Live chat message. I did that consistently, and they continue to say the same thing. In the meantime, my attorney managed to get into his old account, and saw where the money had been deposited, but that PayPal removed the funds as it is showing a XXXX  balance in the PayPal account that is not even active. I am occurring monthly interest fees, and am XXXX. Every penny helps, and I really need some help to finding out what is going on here. I would greatly appreciate your help with resolving this matter. Any advice or action is much appreciated.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Sir/Madam. 

I have been the victim of identity theft. I recently discovered that my personal information was used to open an account with the original creditor, XXXX XXXX. 

I did not open or authorize this account, thus I request that it be closed immediately. I also ask that you absolve me of any charges on the account and take all required steps to remove information about this account from all records as soon as feasible!!!! 

A copy of my Identity Theft Report, which backs up my claim, is provided, along with copies of my Clarity Report and FTC ID Theft Report. 
A copy of the CFPB 's Notice to Information Furnishers is also given, which details your responsibilities as a provider of information to credit reporting bureaus. As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must stop providing identity theft-related information to any CRA. 

The Notice also specifies your responsibilities when a CRA tells you, in accordance with Section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft.

These responsibilities include refraining from providing inaccurate information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. Please investigate this problem, deactivate the account, clear me of any charges, adhere to the Fair Credit Reporting Act 's obligations, and send me a letter describing your findings and actions. 

IN ADDITION, I HAVE EMAILED, CALLED TO GET THIS ACCOUNT REMOVED WITHOUT FAIL AND THEY CONTINUE TO LIE LIE LIKE BUTTERFLIES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRY IS FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/23 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... XXXX : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX  XXXX .... Balance : {$1600.00} TXXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX .... Balance : {$5500.00} XXXX  XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX  XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card

Each time I reach out to Trans Union about this fraudulent account on my credit report, they remove it for a few days and reinstated back. I do not want to file a lawsuit, but its leading to that and I will file it against Trans Union because they are the only one reporting this fraudulent account Im not a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  I have never live at the address called XXXX XXXX XXXX XXXX Each account remain on my credit report I will file my lawsuit. Each day is {$100.00} fine against Trans Union with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

United Collection Bureau ( XXXX ) XXXX is reporting a collection amount of {$310.00} Account # XXXX which they are indicating they transferred to XXXX, XXXX, and XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX and can not update my credit report. I contacted XXXX, XXXX, XXXX XXXX XXXX and paid the {$310.00} File No XXXX, but they are stating that United Collection Bureau still has my file and has to update my credit report. Soo..I called United Collection Bureau and they stated that I no longer have an account there, have no record of me paying it off, and can not update my credit. I have attached my credit report showing the collection from United Collection Bureau and the receipt from XXXX, XXXX, and XXXX. Few things 1. Why is United Collection Bureau reporting a collection amount of {$310.00} when they state they don't have an account for me? 2. Was it incorrect of me to pay XXXX, XXXX, XXXX XXXX? 3. How do I get this removed from my credit ( either completely or as paid )?
Product: Debt collection

On XX/XX/2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Debt collection

I saw a debt collection on my credit report for the amount of {$2700.00} from  Deville Asset Management.  I called the company and was told it was a   XXXX     XXXX   XXXX  Credit Card. I told them I have never had a  XXXX   XXXX   XXXX  Credit Card. They said that it was me and it would negatively affect my credit report until I paid.  XXXX  said I could pay {$2500.00} right then, but that was the last time she could offer that. I said I ca n't do that, and would n't or debt I did not make. They called my place of work and my cell phone, were disrespectful, and threatening. I called back later with my father, and they again said the same thing. We called  XXXX   XXXX   XXXX , and they could not find my social linked to any account, closed or not. I called back Deville, They gave me an account number, and said  XXXX   XXXX   XXXX  could n't find it because they had. So we called back  XXXX   XXXX   XXXX , and gave them the account number. They said that account does not belong to   XXXX   XXXX    XXXX , we have no record of it or you in our system. and we can look back 10 years. We would be able to see if it was in collections. We then called back with   XXXX     XXXX   XXXX  on the line, when the  XXXX   XXXX   XXXX   XXXX  said that this call with be monitored and recorded, Deville said that the account had been flagged, and the debt collection was being stopped. This is a scam company, and they were trying to steal close to {$3000.00} from me. They should be in jail.
Product: Debt collection

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart.

Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under 
the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

I sent money unknowingly to an account in XXXX! Scam for XXXX dollars. 
PayPal will not refund my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries was not submitted by me. please provide valid information that the inquires listed below with the date were submitted by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX