23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear TELE RECOVERY OF LOUISIANA, I am writing about the account listed above that you claim is a collection I have with your company. I request that you provide me with the following information regarding this debt : XXXX. The name of the original creditor. 

XXXX. The date of the original debt. 

XXXX. The amount of the original debt. 

XXXX. The date the debt was transferred to your agency. 

XXXX. The amount of the debt currently claimed as owed, including a breakdown of any additional charges such as interest or fees. 



Additionally, please provide me with a copy of any judgment, agreement, or contract that verifies my obligation to pay this debt. 



In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), please consider this letter as formal notice that I dispute this debt 's validity. I request that all collection activities cease until the requested information is provided. 



Furthermore, it has come to my attention that false information regarding this debt has been communicated to third parties, which has damaged my reputation. Such actions constitute defamation, which is a violation of my rights under the FDCPA. Please provide the following : XXXX. A list of all parties to whom you have communicated information regarding this debt. 

XXXX. Details of the specific information that was shared. 



If you can not validate this debt within 30 days of receipt of this letter, I demand that you immediately remove this debt from my credit reports with all credit bureaus to whom you have reported it ( XXXX, XXXX, XXXX ). Failure to comply with this request will be considered a violation of the FDCPA. 



Additionally, please be advised that I will be seeking damages of up to {$5000.00} for any harm caused by your actions, including defamation and any violations of the FDCPA. 



I also request that you refrain from any further communication regarding this debt except to provide the requested validation. Please communicate in writing only. Any future contact attempts beyond providing the requested information, or any further dissemination of false information, will be considered violations of the FDCPA and may lead to legal action. 



Thank you for your prompt attention to this matter. I look forward to your response. 



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

I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NCA # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please adjust the misleading information of this account : XXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$2900.00} 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.
Product: Debt collection

A collection account appeared on my credit report. I have never received a bill or a phone call pertaining to this medical bill. I am under both my parents medical insurance XXXX XXXX and XXXX. XXXX is my primary. That insurnace fall under XXXX XXXX and XXXX XXXX fall under my mother XXXX. Both insurances are active. I am requesting that this be removed immediately from credit report and if there is a payment due that they seek payment from the insurance company COMNWLTH FIN Account Number : XXXX Payment Responsibility : Individual Date Opened : XX/XX/2019 Balance Date : XX/XX/2019 Balance Amount : $ XXXX Monthly Payment : High/Limit : {$620.00} Account Status : Collection Past Due Amount : {$0.00} Comments : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT
Product: Mortgage

I purchased wind and hail insurance for my home on XX/XX/year> from XXXX  XXXX XXXX XXXX through USAA. On or about XX/XX/year>, I received a cancellation notice for the insurance with a cancellation date of XX/XX/year>. The reason for the cancellation was required XXXX photos of the front and rear of the insured location have not been submitted. I was never told to submit photos of my home when I purchased and paid for the insurance. I called USAA on XX/XX/year> and inquired about the cancellation. I was told to submit the photos to an email address at USAA ( XXXX ) I submitted the photos on XX/XX/year> to the email address and I have sent XXXX additional emails to that same email address asking for verification of receipt of the photos. I have not received a response from USAA. I can not afford for this insurance to be cancelled and the mortgage company to force place expensive insurance on my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair reporting act, this creditor Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account is not my account I have asked for it to be removed several documents stating that its not my account every other credit you have taken it off except for Experian I ask for proof is mine no no update information sent but its keep getting verified
Product: Credit card or prepaid card

I kindly request that you update my account and remove the inaccurate late payment. This issue is causing me a great deal of XXXX  as I have always made my payments on time. It is affecting my ability to sleep at night. I want to reiterate that I have never missed paying this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off AccounXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XXXX of XXXX I applied for New Jersey unemployment. Got back paperwork from unemployment saying it was approved and that I would be receiving a bank card from Bank of America to receive pandemic relief funds. After about 2-4 weeks never received a bank card so I called BOA and they said that yes I have an account and that they sent me a card and they can see that money is being deposited onto that card but to this day I have never received a bank card or any funds from the pandemic funds. Called BOA and unemployment multiple times trying to get this resolved but would always get the same response... BOA would tell me it's not there fault to call unemployment and Unemployment would say I needed to call Bank of America because its on there end where the problem exists which I kind of believe because unemployment did approve my benefits and I never ever received a bank card from Bank of America!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
Fraudulent Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$370.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} Fraudulent Inquiries : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

This company has violated Fla Statute 559.715 ( 559.715Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ) by not sending notice of assignment to a valid address associated with me ( no XXXX has n't been my address since XXXX 2006 ) plus the debt has far exceeded the Statute of limitations. This ALLEGED debt has reached it 's 4th or 5th agency of which i have disputed validity previously and no info was ever sent back to myself. This agency is also in violation of section 809 of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute I have with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and as of the date of this letter, they have not responded. I believe it is imperative to bring this matter to your attention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : I dispute the reported Balance of {$2500.00}, as I recall it being lower. 
I request the deletion of Past Due information, as the account is closed and charged-off. 
Kindly mark this account as disputed to prevent any negative impact on my credit score. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : I question the reported Balance of {$400.00}, as I remember it being lower.

Past Due information should not be reported, as the account is closed and charged-off. 
I request that Experian marks this account as disputed during the resolution process. 

XX/XX/XXXXAccount # 1 ( Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : XX/XX/XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XX/XX/XXXX Account # 2 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : XXXX  ) : I dispute the accuracy of this account and request its removal from my credit report. 

XX/XX/XXXXAccount # 3 ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 

XXXX  Account XXXX Date Opened : XX/XX/XXXX, XXXX : {$280.00} ) : I dispute the reported Balance of {$280.00} and request its verification.

Past Due information should not be reported, as the account is closed and charged-off.

Kindly mark this account as disputed during the resolution process.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received several emails from so-called Experian on results of credit report disputes, credit score information, credit cards offer, saving offer, car loan offer, and service for the consumer individual saving. I would like to inform a following issues, which I have already sent to Consumer Financial Protection Bureau. There are three email addresses which relate with Experian, XXXX, XXXX, and XXXX. The first email address, XXXX sent many offers, which do not relate with credit report at all. Other two emails offer credit report. The first one has the website of Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registration. After I wrote about this much, I tried to find out the links of these two credit reports. I found out the former one, which I believe it was the information of credit report or, otherwise, the information of saving accounts, turned into the credit cards offer link XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

In these credit reports, there are the mentions of my credit cards account. It looks I have two accounts, which both start from XXXX. In usa.experian.com, the first account record says the account was open XX/XX/XXXX, and this one I agree. However, the account was closed in XX/XX/XXXX, even though I still use. And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or observable record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts. Another Experian credit report seemed to say the monthly payment ; however, now after 20 mins., the report says {$0.00} payment, even though I must have had the payment. 

Since I have observed that these two Experian credit report suppliers change the content of report in the name of the result of dispute without my request, such as the year of my birth and one questionable function, fraud alert, which disappears after I requested, then appears again to add fraud alert nest time ; that means, the latter Experian asks me to add fraud alert every time, even though, now, there are extended fraud alert. Since the contents of these reports are not reliable, especially on internet, I would ask Experian, addressed Experian, XXXXXXXX XXXX XXXX  XXXX, TX XXXX To provide the formal written credit report. As far as I remember, I have not received any from this company, even though other three credit report companies have sent the formal written one to me as their evidence to let me dispute properly. 


Sincerely,
Product: Prepaid card

Hello, I purchased a gift card in XXXX XXXX at the XXXX XXXX in the XXXX XXXX of XXXX. It was a {$500.00} Vanilla VISA Debit card. The card was activated at the XXXX XXXX by the cashier and has since remained with me in my physical possession and never left my home in XXXX, IL. 

On XX/XX/XXXX, when I was checking the balance on the card, I saw that all {$500.00} had been spent. 
I immediately called up the Vanilla helpline and was told to submit a dispute with the required details. They sent me instructions on where to send the form which I promptly did. There was also a case opened with Case ID XXXX. Assurances were made that I would get a response in 45-90 days. It has been 1 year and 9 months and I have received no response, nor have I received any additional communication from the dispute team. 

The transactions that I disputed are recorded below : 1. XXXX XXXX- {$260.00} 2. XXXX XXXX- {$2.00} 3. XXXX - {$73.00} 4. XXXX XXXX- {$110.00} 5. XXXX XXXX- {$12.00} 6. XXXX XXXX- {$22.00} 7. XXXX XXXX- {$9.00}
Product: Money transfer, virtual currency, or money service

I was involved in a scam where I lost over {$8000.00} to a fake landlord. I had wired over {$4000.00} to the fake account unknowing that it was a scam. I moved across the country and found out that the apartment I was supposed to move into was completely fraud and had someone else living in it and wasnt actually for rent at all. I asked Truist to do a wire recall on XX/XX/15 which they attempted but couldnt get any money back. They closed my bank account for investigation and then sent me a letter five days later saying that they would not give me any money back because the transfers were authorized and therefore it wasnt fraud. I tried to explain that I had no idea that this was a fraudulent company but they would not budge in their decision. Ive received no money back for something that wasnt my fault.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and noticed that was not reporting accurately. i have XXXX late payments on an account that was fact paid on time.The customer reporting agencies ' have need to report all information with complete accuracy. The account has not been late on payments i have attached a copy of my report to this complaint on the following dates XXXX i`m now requesting you investigate and provide verifiable proof with records showing that i had late payments, If this information can not be verified i demand these payments be updated to paid on time immediately. thank u your understanding and prompt action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.