23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. 
These items are not correct and are causing me financial and emotional distress because of their Inaccurate information. The following items must be updated accordingly : CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX
Product: Debt collection

I am aware of repeated phone calls from " XXXX XXXX '' leaving messages on the phone of the victim and the victim 's family members ' phones, starting on Friday, XXXX XXXX, XXXX. After research, the phone numbers coincide with the ( XXXX ) area code, but the fax number is a ( XXXX XXXX XXXX, GA area code. In addition, when the victim ( who is permanently and totally XXXX ) returned the call over the weekend, the victim 's call went to voicemail. The outgoing voicemail message ( sounding much like " XXXX '', sans the Southern drawl ) stated this " law firm 's '' operating hours in XXXX XXXX XXXX, not Central Standard Time such as is the time zone in XXXX, TX. In addition, when the victim received a call from " XXXX '' at XXXX am on Monday, XXXX XXXX, XXXX XXXX outside of " business hours '' and outside of any legal debt collection laws which require specificity in the hours in which the victim can be contacted. And, when the victim did speak to " XXXX XXXX '' and " XXXX, the file clerk '', the victim was repeatedly castigated, was threatened to reveal the individual 's social security number and other identifying information. There was no lawful debt collection practice during the verbal preamble from " XXXX '' or " XXXX '' stating ( by law ), " This is an attempt to collect a debt ... '' In fact, " XXXX '' and " XXXX '' made disparaging remarks about the victims voice to verbally insinuate aspersions about the victims sexuality. In addition, the XXXX BBB address information about this " business '' and the address on the website do not coincide, but the individuals who answer the aforementioned phone numbers are the same. THIS IS NOT A LAW FIRM. THIS IS A SCAM. THE WEBSITE IS A SCAM. THE CALLS ARE A SCAM. I DEMAND PROSECUTION TO THE FULLEST EXTENT OF THE LAW, AS AFTER THE INVESTIGATION IS CONDUCTED, I REQUEST THIS SCAM REPORT BE FORWARDED TO THE FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX, account numbers : XXXX Deptofed/XXXX. 
XXXX equiant financial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept of education/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  All Have violated my rights 15 U.S.C section 1681 section 602 A States : I have the right to privacy 15 U.S.C section 1681 section 604 A section 2 : It also reports a Consumer reporting agency Can not furnish a account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent validation letters for debt attached to my name to Capital One ( cabelas ) XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. None of these institutions validated the debt in the legal amount of time they are given to do so. They have received more than 1 letter to remove the debt along with all derogatory remarks over 5 months ago and still have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$99.00} ; XXXX XXXX XXXXXXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$92.00} ; K, XXXX XXXX XXXXXXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$210.00} ; XXXX XXXX XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$650.00} ; XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$210.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance {$68.00} ;
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and all inquiries listed IMMEDIATELY.
Product: Credit card or prepaid card

I was offered a Victoria Secret credit card ( Comenity Bank ) on XX/XX/XXXX. I did only one purchase of {$10.00} with the card. I got the first PAPER statement which was due on XX/XX/XXXX. I made the payment on XXXX XXXX at night before XXXX XXXX  for the complete amount of {$10.00}. Late in XX/XX/XXXX I got a call from a collection company. The person on the phone told me I was on collection for not paying my Victoria Secret card. Thinking it was a fraud, I logged into my Victoria Secret Account to find out that I was certainty past due for the amount of {$56.00}. This were all late payments fees and interest fees on the late payments imposed to my account because according to them I paid late on XX/XX/XXXX. I called the credit card, the customer service representative explained that even though I paid the card on the due date XXXX XXXX my payment went through late on XXXX XXXX, because it was made after XXXX XXXX. Then they charged me late payments and interest on the late payments until they called me on XXXX. I never find out about this situation because the credit card send me no more paper statements. They said I was on paperless statements which I do not recall to have changed. Then all emails went to my spam folder. I asked for a waiver of the penalties and interest but they were reluctant. They never call me or send me another bill to me until I was more than 60 days late. Finally, I did not have other option that to paid the {$56.00} on XX/XX/XXXX ; but that was not enough for them. A late payment was reported on my credit history, the credit card appears as unpaid, and my credit score is down almost 90 points. This are the charges that appears on my account : XX/XX/XXXX {$10.00} ( original purchase ), XX/XX/XXXX {$10.00} Late Fee, XX/XX/XXXX {$10.00} Payment, XX/XX/XXXX {$2.00} Minimum Interest Charge XX/XX/XXXX {$12.00} Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$27.00} Late Fee, XX/XX/XXXX {$2.00} Minimum Interest Charge, XX/XX/XXXX {$56.00} Payment, I called the credit card three times, they are very rude and they not considered the customer at all, I explained them that I did not change my billing preference to paper statements and that I was a new customer. Nothing was important to them than to collect their money made on on late payments and interest fees, 100 % profit for the company. After I paid the bill and closed the credit card I got a paper statement with all the charges without me changing any billing preference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected on my Equifax report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX
Product: Student loan

I disputed the late payments that are being reported on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The creditor refused to validate and update numerous accounts and continues to report the incorrect information to all three credit bureaus XXXX, XXXX  and XXXX. I was enrolled in XXXX XXXX status during the time that the late payments were being reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent Equifax breach caused me concern of my sensitive personal data having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my data has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to waive my right to file a lawsuit against them should I become a victim of identity theft from this breach.
Product: Debt collection

I checked my credit on my XXXX XXXX account and found a new debt on there from XXXX.I have XXXX XXXX internet service now and have never missed a payment.I cancelled tv service a few months ago and returned all equipment in boxes they provided.I have never been contacted by XXXX about this claim by mail, phone, or other.I have been at current residence for 3 years and my XXXX account has always been set up for monthly bank draft.
Product: Checking or savings account

i, XXXX XXXX am a victim of identity theft. Someone deposit a fraudulent check into my Bank of America account my account needs to be closed. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my 3 credit reports and noticed several collection accounts. I contacted the creditors and the 3 credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 for validation of debts. The collectors XXXX and XXXX XXXX XXXX never provided a signed contract or other proof of validation as requested. The CRA 's continue to report as verified, although they clearly did not physically verify these errors. I want these erroneous items removed from my credit according to the rules of the Fair Credit Reporting Act and the Fair Debt Collections Reporting Act. I have spent a lot of money on certified letters and stamps to have this corrected, to no avail. I have also had to deal with Equifax placing an unauthorized fraud alert on my credit report and sending the same request to XXXX  and XXXX. After my last letter, my Equifax scored dropped 38 points with no apparent reason. I suspect they are being punitive because I keep sending requests for verification as allowed by law. The CRA 's should not be allowed to arbitrarily report errors on people 's reports. I also contacted XXXX XXXX and XXXX XXXX XXXX directly by mail twice, with no validation from either. 
Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX. XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no XXXX party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY INFORMATION COMMITTED FRAUDULENT ACTIVITIES. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES FROM MY CREDIT ASAP. THANK YOU SO MUCH.
Product: Student loan

I reached out to Navie nt 2 weeks ago wi th the CFPB recommended payment letter explaining how I want my payments allocated.  <P/> I sent another email 2 days ago requesting confirmation that the letter was received.  Navient responded saying that they received my letter but I would need to send one with every payment.   <P/> I called navient on  XXXX  stating that my instructions were for all payments going forward. I also explained that their website does NOT state that a letter needs to be sent with each payment. Their instructions only state that you can reach them by writing a letter.