23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the XXXX national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under EASTERN ACCOUNT SYSTEM and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. This company has been threatening me saying they are attorneys and I'm being sued. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience allegedly investigated on 2 accounts that were closed by my request in XX/XX/XXXX, they then began in XXXX and XXXX as new debt or lateness, the account is XXXX XXXX XXXX and XXXX XXXX both older accounts, yet Experian is still allowing as recent negligence
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to talk to a person who can remedy my problem. ALL telephone numbers associated with Experian lead you to a gatekeeper who will give you a telephone number which puts you into a computer prompt that ends either with the phone hanging up or you can't get a live person on the phone to attempt to resolve your problem. The people who do answer the phone can only give you a telephone number and they can not resolve ANYTHING over the phone. This company is ATROCIOUS in regards to customer service and getting something done in regards to fraud, etc. They are a major credit reporting agency and hold our information XXXX and access to our account/ information and then keep you from talking to a live person who can resolve your issue. I reported fraud on XX/XX/year> and got a report number. I was told to email XXXX with my report # XXXX and submit photo copies of my drivers license, social security card, utility bill and I also submitted a copy of my military ID. I have yet to receive a response, any acknowledgement, etc. Nobody can tell me anything about my email and I can not talk to a live person. The people who answer the phone for this company can not help in any way. They are gatekeepers and nothing more. The system is designed to keep you from talking to a live person who can help you resolve your problem. This is RIDICULOUS. I spent XXXX hours being directed to XXXX person to the next and given telephone numbers that went nowhere only to be told that they can not help me and that I had to go through their telephone prompts that end with the computer hanging up on you and you never getting to talk to a live person to try and resolve your problem. They will not connect you to anyone in a supervisor or management position that could possibly help direct you in any way. This company is HORRIBLE and we are being held XXXX by it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX SANTANDER Attn : Credit Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind examining the documents? There are discrepancies in the reporting of certain accounts.
Product: Credit reporting or other personal consumer reports

Initial notice was sent XX/XX/year> for the amount of {$360000.00} company has not responded to my initial notice that was sent inquiring about the reporting of the loan on the credit file without the written or verbal consent of the consumer of the loan, as well as the consumer exercising their right to opt out of secondary reporting agencies. The company has not responded nor taken any steps to resolve the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain unauthorized credit inquiries from my credit report. I have reviewed my credit report and found that there are several inquiries listed that I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, when inaccuracies are identified, they must be promptly corrected or deleted.

15 U.S.C. 1681e ( b ) states : " 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. '' 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states : " ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX is destroying my credit/FICO scores by their false claims.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Bank account or service

In XXXX of XX/XX/2014 I received an offer from the Citizen 's Bank with which we have a checking account an offer to get {$5.00} up to {$10.00} for automatic bill payments charged to the bank 's credit card and posted before XXXX XXXX, XX/XX/2014. I did so and XXXX payments for XXXX and XXXX were posted on XXXX/XXXX/XX/XX/2014 and XXXX/XXXXXX/XX/2014 respectively. Yet I did not receive the promised {$10.00} credit as promised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account I listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX  has violated my rights. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am human and this is affecting my life. Please kindly remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account were deleted and are being recycled as new accounts by changing the collections company this illegal ... 

COLLECTIONS XXXX XXXX XXXX {$88.00} inaccurate/not mine XXXX XXXX XXXX {$1800.00} inaccurate/not mine
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
I know that if the Bureaus did not conduct a thorough and independent investigation, including direct contact with the court, this could constitute a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 3 ) ). In such a case, the FCRA requires deletion of the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

The company is Harris & Harris and they identify themselves as a debt collection agency. The phone number they leave is XXXX. 

This company has been calling me a few times a week and continually over several years. I havent, and have never had, unpaid debt. No indication is given as to the source of the debt they are per ported to be calling about. They have never contacted me by mail which leads me to think they are robocalling. I contacted them once but this never stopped. If I had unpaid debt lingering out there, there would have been legal action taken years ago. I think this is a fraudulent company trying to intimidate and take advantage of people.
Product: Debt collection

I closed this account several years ago and Im still being charged. This account was closed!
Product: Credit reporting or other personal consumer reports

Im submitting to the credit Bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete these items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX : {$3600.00} XXXX XXXX  XXXX XXXX XXXX : {$3100.00} XXXX  XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX DXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am deeply concerned that you have included the information below in my consumer file and have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, in violation of the Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ).

I have contacted the Federal Trade Commission and filed a complaint, as detailed in the attached documentation. Please block and remove all inaccurate information from my credit report and send me an updated copy. By law, the listed items are a result of fraud and were not authorized by me The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

If you do not initiate an investigation regarding my dispute and delete this information within four business days of receiving this notice, as mandated by 15 USC 1681c-2 under the Fair Credit Reporting Act, I will be compelled to take legal action to protect my credit rating and myself. Each violation of the FCRA entitles me to damages of {$1000.00}, which will be pursued in court if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure what the issue is with the credit bureaus but I have tried to communicate with them numerous times about their inaccurate reporting on my credit report. They are not handling this situation in accordance with the FCRA in regards to conducting a reasonable investigation and resolving the problem nor are they abiding by the CFPB 's 60 day investigation guidelines. I have been at this for awhile now and I feel my only option is legal action due to them violating my rights to an investigation on various accounts.