23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a verification letter to LVNV Funding LLC c/o Resurgent Capital Services requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in XXXX : I requested proof that they are legally permitted to collect this debt in the state of XXXX. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in XXXX, or information on the age of the debt. Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.
Product: Debt collection

On XX/XX/2021 at XXXX XXXX, I received an email correspondence from Williams and Fudge regarding a debt they are attempting to collect. I informed the aforesaid company that I did not attend this school, and that any correspondence should occur via the address they have on file. My reply was sent on XX/XX/2021 at XXXX XXXX. 

Since this encounter, I have received no further communication from Williams and Fudge. I have not received any information validating this debt. However, they have managed to report this unsubstantiated and unverified account to the credit reporting agencies in violation of FDCPA.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XX/XX/XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, there are numerous discrepancies in the information reported across credit bureaus : Last Verified : Two accounts lack a " Last Verified '' date, which affects the accuracy and completeness of the data. 
Closed Date : Only XXXX shows a " Closed Date, '' while XXXX and Equifax do not provide this information.

Account Rating : XXXX marks the account as " Closed, '' whereas XXXX and Equifax indicate " Paid. '' Account Details : Account Name : XXXX XXXX Account Number : XXXX High Balance : {$14000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Paid Payment Status : Current Two-Year Payment History : XXXX late payment inaccurately reported for XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment for XX/XX/XXXX from my credit report. Additionally, I request that Equifax address the discrepancies in the " Last Verified '' date, " Closed Date, '' and " Account Rating '' fields to ensure consistency and accuracy across all accounts. 
I expect to receive written documentation confirming the removal of this entry and correction of discrepancies within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, transunion, XXXX have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments on this account. That shouldnt marked as late according to section 1637 ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to 15 U.S. Code 1666b - Timing of 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 XXXX  days before the payment due date https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, is % XXXX % XXXX % XXXX % XXXX
Product: Credit card or prepaid card

Sometimes in XXXX of 2017 I spoke with a Home Depot Sales Person about a window. He brought a sample of the window to my house to show me. I agreed to order it with a down payment. He tried to order the window 3 times, but it was the wrong size window every time they tried to install them. Finally, I changed my mind and told him to cancel my order. XXXX was okay with it and told me that a credit would be issued. When I received my 1st statement with that charge on it ( {$1700.00} ), I immediately disputed the charge. They sent me a copy of job completion with the salesman 's signature on it as " Homeowner ''. I never signed anything regarding that window. I even sent a copy of the credit invoice given to me by the sales person with my dispute to prove they are wrong. They still did not believe me. If you look at the job number on the credit invoice, it matches the same job # as the original invoice they sent back as a result of my dispute ( Job # XXXX ). Since then, they have reported this issue to all 3 credit companies.
Product: Credit reporting or other personal consumer reports

Wells Fargo charged off my credit card ( account number XXXX ) in the amount of {$XXXX}, but never provided the XXXX. In addition, Wells Fargo recently sued me for the entire amount. Wells Fargo already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt. This is fraud, and their attempt to sue me for this debt is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6 years I have been living in XXXX XXXX XXXX , XXXX XXXX and prior to that I was in XXXX XXXX XXXX, XXXX in XXXX XXXX with the XXXX XXXX XXXX. Any residences shown during this time that are NOT my address and are false. Prior to that I live in XXXX apartments. TransUnion Reports my previous addresses as XXXX XXXX apartment which at the time I was in XXXX XXXX XXXX, XXXX for military training. I have send them documents as the police report, which states that my green card, my DL, among other documents were stolen and they refuse to take this off from my credit. I will attached the response TransUnion send me. I have never live on those addresses. some of those are just copies from an actual address but do not exist in the map. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TranUnion also reports my name as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have a legal name and all of those extra names are causing me problems with the XXXX and the XXXX I work with because they are connected to collection accounts they are not mine. <P/>They also report phone numbers that are consistent with information that is not mine. ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX. <P/>I have send many documents that support my statement, they REFUSE to take off what is NOT accurate and keep false information on my credit report. If need it I am willing to send any other documents they need from me. I have try for many years and ways to fix this problem but they do not care and in many occasions have said and I quote, you can report us to whom ever we are going to do as we have. I understand this company is bureaucracy but I am individual who is trying to is working with the government and hospital to were our credit report matters to change XXXX and to move higher in the XXXX XXXX. I am currently XXXX XXXX to finish my XXXX degree and I would like to continue in the XXXX and serve this country as this country serve me and my family but this company has not been of any help and has refuse to fix a major problem. I will like all of those names, addresses and the XXXX XXXX XXXX collection to be taking off my credit.
Product: Credit reporting or other personal consumer reports

Hard Inquiries I dont recognize XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX : {$350.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$720.00} XXXX  XXXX Balance : {$200.00}
Product: Debt collection

I was involved in a XXXX accident in XX/XX/XXXX in which I suffered a XXXX. I had been reported to a collection agency in XXXX. ( XXXX XXXX XXXX XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) date of first first delinquency and also when I missed my first payment. 2 ) Statute of limitations may not  validate the debt.3 ) Copy of the original signed agreement and balance on the account from XXXX to present. 4 ) What is the account number of alleged debt. 5 ) When was the last payment made on this debt. 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX XXXX XXXX are trying to collect a debt that s not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with the stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have express to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XX/XX/XXXX ) being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from XXXX XXXX, XXXX XXXX and have also survived a XXXX attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen.
Product: Credit card

I initiated my first request on XX/XX/XXXX via fax per company suggestion. I included my letter of office as provided by probate court as well as my fathers death certfiicate I got no response. I followed up again on XX/XX/XXXX via fax ( both times I retained fax transmission receipts ). I followed up via phone several days later and was not given any reason why my first inquiry had no response, but I was assured that it would be processed within 30 days by XXXX ( operator XXXX ). I followed up again a few weeks later via phone and was told by XXXX XXXX operator XXXX ) again that it was still being processed and would be mailed out within 30 days. Approximately XX/XX/XXXX I called again and spoke to XXXX XXXX operator XXXX ) that it was completed and would be mailed out before the 30 days, My next call was around XX/XX/XXXX when I spoke to XXXX ( operator XXXX ) who told me that my request was still being processed! I asked to speak with a supervisor to complain and I spoke with XXXX ( operator XXXX ) who took my complaint, apologized and claimed to expedite the request. I called again XX/XX/XXXX and XX/XX/XXXX and spoke again with XXXX XXXX XXXX ) who told me my request was still being processed. I have provided proper legal paperwork as the executor of the estate, I have not received what I requested and I have no reasoning of why. This lack of follow up is slowing down other legal matters, and I would like action as well as filing a formal complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

issue : Capital 1 place 3 late payments on my credit report. We were never notified. We had not used the card and had no balance.

They stated there was a {$29.00} yearly fee but we never received any billing of this. We have been in our house at that time over 1 year and had received others, but this bill. They waived the {$29.00} but kept the late payment on there and closed the card. 


AC # XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$13000.00}, XXXX XXXXXXXX XXXX {$4000.00}, XXXX XXXX {$8000.00}, XXXX {$6500.00} and WFB CD SVC {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, creditor Comenity CB/XXXX Visa sold alleged delinquent {$11000.00} debt to XXXX XXXX XXXX XXXX XXXX. However, Comenity continues to report the matter on my credit reports even though they are no longer my creditor and debt owner. In XXXX, XXXX, I disputed the debt. But, in XXXX, XXXX, XXXX   updated that Comenity continues to report this as a delinquent account with them. My understanding is that this is a direct violation of credit reporting laws.
Product: Credit reporting or other personal consumer reports

The information submitted to the credit agencies was incorrect. The information is unverifiable. I am requesting this to be removed my account immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - 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 These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

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

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # 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.