23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. in frequent that you do not acces XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX edit credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

Debt was paid by the actual person who was responsible ( XXXX XXXX ) however debt is still being reported negatively on my credit report and has for some time. This has caused me pain and suffering and I have tried to contact them many times. I have also wasted money on certified mail as proof because they will not help me.
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 XXXX debt bondage, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 605C 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 Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

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 : ( XXXX ) 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 listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXX XXXX XXXX I, got an email stating the following Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address. 

But I did not do anything that violated the terms of serivce. So I would like my account reinstated as I did not break the terms of service
Product: Credit reporting, credit repair services, or other personal consumer reports

these settled charge off accounts are still reporting inaccurate on my XXXX & transunion & XXXX these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Bank sold my account with all my personal and confidential information to a collection agency..
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I literally just had to deal with this same problem!! About a month and a half ago Venmo decided to freeze my acct for reasons they could not tell me. Finally yesterday I get a phone call that venmo had NO evidence on why they froze my account. So they reopened it with my money still in it. Ok good right, NO! My thing was u was going to transfer my money onto something else that I've never had problems with while I had it. And that for over 2 years. Ok well I go to the app try to transfer my money and it tells me I can't and my account is frozen again!!!! I called venmo customer service and speak directly to a supervisor. I explained the whole situation how they froze it before and they reopened it because I didn't do anything wrong. And explained exactly what I was doing and how it froze my account again and it was like she didn't even care. Excuse my language no XXXX given. I explained how there is no way I can go any longer with NO money when I'm a single mother of XXXX. I explained how I just wanted to get my money off so I can close the account because of that issue. Response was she couldn't tell me anything and I would have to speak to the analysis specialist because they are the ones who handle that. I then asked for a phone number to speak with someone. Then told they do not have a phone number that I would have to speak to them via email. So I have to email someone to get my situation fixed via email but I have to wait for them to respond whenever they feel like it??? No way, I refuse to sit here again and let them do this for the 2nd time back to back. This company is a fraud and so unorganized I want out. I want my money right now. I do not want to wait. I have all the proof of everything and for this to happen a 2nd time I'm on the verge to find out if I can sue them for this and their process of business and their lack of anything to help someone. All I want is.my money off the card so that I can close it.
Product: Credit reporting or other personal consumer reports

Improper use of credit report child support reinvestigation
Product: Credit reporting or other personal consumer reports

XXXX XXXX PLEASE REMOVE FOLLOWING check attached photo This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A RECOVERING VICTIM OF IDENTITY THEFT, AND ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES HOW EVER ARE STILL REPORTING ON MY CREDIT REPORT. XXXX XXXX, XXXX, XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 paid off a lower amount and closed the account. All 3 credit bureaus are reporting this account as open and owing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a settlement offer from XXXX XXXX. They said that they will accept {$7300.00} as a settlement. XXXX XXXX said that once they received the final payment, they would forgive the remaining current balance and the loans be considered settled. 

I accepted the offer, saved up and made the full payment. It has now been over 2 months, and XXXX XXXX is still not reflecting on my account of settled. 

Please please please assist. It is ruining my credit profile. 

I have letters from them and a receipt showing that I paid the amount agreed, if needed.
Product: Debt collection

XXXX XXXX, I mailed a certified letter requesting the validation of alleged debt owed and the collection agency has not responded. It has been well over the XXXX day debt validation investigation requirement set by the FDCPA, they have not verified the debt.
Product: Credit reporting or other personal consumer reports

There inquiries reported that I have and do not authorize.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX I made a deposit in the ATM and the machine broke down not crediting me my {$2000.00} in cash. After the bank investigated they only credited me {$100.00}. The back is not further helping me with a more thorough investigation that needs to be done. I will attach the ATM receipt given at the time and the fax confirmation of when I faxed it to bank that they claimed they never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account reporting in error. Balance and account status incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I filed a partial bankruptcy on XX/XX/XXXX it was dismissed. I have contacted LexisNexis and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that XXXX claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to XXXX and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
XXXX has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Date opened XX/XX/year> Collection account. {$620.00} past due as of XX/XX/year>. '' Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XXXX. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within XXXX business days as permitted by federal law.
Product: Debt collection

Collection dispute involving EOS CCA Date Opened : XXXX XX/XX/XXXX For an account balance of {$260.00}. 

I believe this was for a bill from XXXX XXXX in or around XX/XX/XXXX for my previous residence at XXXX XXXX XXXX, XXXX VA. My account was on auto-pay with the company at the time. I was XXXX to another state ( I am military and can produce orders of the move if asked ), and turned in my internet / cable equipment to the store at XXXX XXXX XXXX XXXX in XXXX, VA on or about early XX/XX/XXXX. 

I asked the attendant there if any additional charges would be leveraged when I turned in the equipment. He said no, but they may charge one final bill after assessing it. I said my card was on file with autopay and they could charge me via autopay. He said they would and I left. I did not know this account was overdue until XX/XX/XXXX when it was in collections and had showed up on my credit report. 

I immediately called the collections manager and told them what had happened. I would be willing to pay the amount due if they could give an itemized list of what I was charged for additionally considering I had turned the equipment in to XXXX. They said they would mail me the bill. When I received the bill it was just for the amount due. The creditor stated that I would need to call XXXX for a resolution to the issue of itemization. When I contacted XXXX, they stated that they do not handle accounts in collections. 

I do not believe the amount of {$260.00} dollars is the actual amount I owed. I turned in the equipment as required and my monthly bill was around 80 dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was notified by XXXX XXXX that a loan was taken out in my name. The origination date is stated as XX/XX/2023. The amount financed is stated as XXXX. Im unaware of this account and transaction. The loan was made out to me and the person responsible without proper identification verification. XXXX XXXX proceeded to mail a check to my address and the person in question had already destroyed my mailbox door to compromise my personal information and later retrieve the mailed check. The suspect later cashed the check using their signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX, have violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

According to 15 U.S.C 1681 section 602 A I have the right to privacy. 
These addresses do not belong to my credit XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Also inproper names : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I bought a hvac system on credit at 0 % interest. I set up automatic payments. These began and started going through. This month on XX/XX/XXXX my wife told me that the WellsFargo account didn't get paid. I called as it was on automatic payments. 
The customer service agent told me I called and cancelled the automatic payments on XX/XX/XXXX. I didn't not. After WellsFargo attempted to retrieve the call logs I was informed that I cancelled the automatic payments online. I did not. 

When an automatic billing is cancelled an email is generated automatically and sent to the consumer. There is no record of this on the XX/XX/XXXX. I have another card that I cancelled today XX/XX/XXXX to see if it did email me and the automatic system did. 

This could be either a one-off technical glitch within Wells Fargo 's system or it could be a systemic method of bilking customers of interest on 0 % interest credit cards. 

I didn't cancel the automatic payments, and being a paralyzed 100 % service connected veteran I believe that what Wells Fargo is doing is reprehensible. 

My wife and I pay our bills on time everytime and setup automatic payments where available. We are trying to build a handicap accessible house ( I was granted the XXXX XXXX to help with cost ). We need perfect credit to do this. Wells Fargo is putting in jeopardy our ability to build our home through manipulative practices designed to have consumers miss payments unknowingly and then charge them extra interest.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

account open : XX/XX/2022 company : Credit Collection Service amount supposedly owed : XXXX dispute with transunion company stated information was accurate i am a victim of fraud