23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked for validation of this debt and this company produces a doctored up statement saying that it was from XXXX  XXXX. You can see that it is not an original document. This company is illegally trying to collect on a debt that I have no knowledge of nor owe, nor have ever done any business with this company. I have asked for documentation On the debt which i recieved some 3 or 4 statements showing an amount owed. They are stating they sent me information back in XX/XX/XXXX that I never recieved at all. They also sent another document saying something about a last four of a social. I recieved documentation from another collection agency with the attempt to collect this same debt.It 's unusual that I would received such notice from one agency but never got anything from portfolio recovery. At this point someone is not being truthful and are illegally trying to collect on the same debts. Portfolio recovery claims they have rights to collect as well as the other collection agency. How can 2 companies own the same account from the same creditor with the same exact account number. I have not recieved any purchase agreements, not a bill of sale, but purchase agreements showing this debt was bought from XXXX XXXX nor does it state it was bought from the previous collection agency first source advantage who claims they acquired the debt in XXXX of XXXX. If portfolio recovery claims i owe this debt then I need documentation proving their right to collect this debt. these companies by law are required to provide this information upon request. They have not produced any accountant records, transaction receipts with my signature, they have not produced any license to collect in the state of california which they are required by law to have. They have not produced any valid information that shows I owe portfolio recovery Associates or XXXX XXXX any money. They are violating my rights under the fdcpa as well as the fcra. They are also reporting a charge off every month to my experian report which is also another violation of the fcra known as re aging the account. A collection account can not report any payment history if a consumer did not enter into any agreements to make any payments to. This company is notorious for their illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} **Inquiries** XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had couple transactions that I disputed due to the merchants error and funds being debited out without the merchandise being delivered to me. I've tried to contact the merchants for the first couple months in attempts to resolve the problems myself, however, which did not work out. Thus I disputed the charges that were wrongly debited out of my card. I was told that I was well within my rights to dispute the charges in order to recover the funds. Surprisingly, today I am told that the disputes fell out of the time-frame as I disputed the charges " too late ''. I'm frustrated as I was told that I could dispute the charges within 6 months after the charge is posted. I spoke to claim department agent to get some help but the agent couldn't help either. I've sent a couple faxes but no responds. I can not afford to lose the claims as the charges are more than {$900.00}. The dispute claim numbers are # XXXX, # XXXX, # XXXX. Please reconsider the claims and help me out. 

# XXXX - {$950.00} # XXXX - {$920.00} # XXXX - {$1100.00}
Product: Debt collection

Ok I have a timeline of responsive and cooperative behavior. 
I began paying Hunt & Henriques in XXXX of XXXX I arranged to pay monthly {$250.00} until the balance of XXXX was paid in full. I paid this faithfully monthly. It was being deducted out of my account with no problems. 

Well according to the amortization report Henrique provided the account would be paid in full XX/XX/XXXX. Well when all payments stopped in XXXX we thought it was the end. I called requesting a letter of final payment or payment satisfied and they started with we can't speak with you because you are attorney repped. I said no I am not attorney repped who and what is the name of this attorney. They shared this information and I said I don't even know this person I am not attorney repped you have been speaking with me and my husband over almost three years now what are you talking about. So this went on for several weeks, well in the mean time I am served with this lawsuit stating we have this outstanding balance of {$950.00} I immediately began to call and again they would not speak to me. So, one of the customer service persons answering suggested I write a non-repped letter send via email and give them 2 days and see if that works. Well I did that but by the time that processed worked I was being served at my home with papers. 
I immediately called them again, was told the amount I owed and told them I was not aware of any amount being due, due to fact we paid until XXXX and all payments stopped being deducted and when we called we were told we were attorney repped so no one would speak with us for months this went on from XXXX to XXXX. 

So, they told me they could only accept a certain amount per day via credit card and my balance was XXXX so we had to split the payment. And I still had to employ an attorney to write an answer to the suit filed {$450.00}. I had that done and taken to the courts and filed my answer. So, I called Henrique and Hunt to inquire about the suit being closed, canceled or whatever the next steps because I paid it in full in XXXX and filed my answer of proof in XXXX. The office has yet to answer me, they have yet to explain why according to online case information Case # XXXX status is still showing pending as of XXXX. Almost 5 months ago. This XXXX XXXX card was charged off years ago but Hunt & Henriques kept coming after me threatening to garnish my wages, file law suit so I paid what I could I was going through a nasty divorce and just could not afford but I did what I had to. 

I want this over and I have paid over 8k to these folks, they will not send written communication for payment in full they stated we needed 30 days to respond via written communication well in 30 days I still have not receive anything, they can't confirm any documentation has gone to the courts to close the suit and clearly they do not have anyone monitoring cases if they did send to confirm it was received and processed. My hands are tied and I want this over. This office does not communicate verbally well nor do they communicate in writing. They don't want resolution this allows for more money to be paid out for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently observed that on my XXXX report that a company by the name of XXXX reported an unpaid balance on my credit report, amount owing to XXXX XXXX XXXX. I was never sent a bill or was ever made aware by XXXX that I am owing them any money. I have full insurance coverage from XXXX  XXXX XXXX which covers at 100 % thru my employer plus an additional XXXX account with {$2700.00} for the year to assist with co pays if any or any other medical bill payment I only go to my doctor for yearly physical and any screenings they might order as part of that visit. I had plenty of insurance to cover all my medical expenses so I would have no reason to owe any money to XXXX. This bill is not mine and should be removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack and my information was stolen.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacyTrans union are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.trans Union, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto XXXX, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX BANK XXXX Balance : {$820.00} XXXX FEDERAL XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I received notification from XXXX that one of my orders had a denied payment. I checked this account I'm complaining against, and there is no explanation, nor is there record of the in question transaction in a place I can see its status. I attempted to contact their online staff, and the chat was closed after awaiting the second in staff transfers. I could not reopen the chat. I have attempted to again, since yet again, this morning, the transaction fails. I wish to find the root cause before a institution I'm paying perhaps charges me a denial fee, late fee, interest, or some services I have cease to function. The " virtual '' shrugging of the shoulders doesn't suffice. I desire to know root cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing accounts that are paid but wont show up on my credit reports this has cause me harm without a reason doubt report the error or correct it they cant say it's not correct b/c I saved and printed fom their website XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Product: Vehicle loan or lease

Have contacted Ally several times for release letter say they have it and never send it. Tax office has them as lien holder and they say the car is paid off but will not send the letter. Have contacted them several times. It is fraud for them to be the lienholder at the the tax office when they have told me it is paid off but will not release it.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit report and I never received anything from them nor do I know what this is. 
I have disputed it with the bureaus and they have yet to validate the account. XXXX XXXX is not valid verification and XXXX XXXX doesn't have any documentation for this debt.
Product: Credit reporting or other personal consumer reports

National Credit Systems I have never authorized them to report on credit report nor have I did business with them