23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion or Update on Credit Report ACCOUNTING Dear I am writing to address an urgent matter concerning my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate and truthful.

15 U.S. Code 1681e ( b ) : This section requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy and completeness of the information in consumer reports. It stipulates that these agencies must have procedures in place to verify the accuracy of the information they report. 
Under the Fair Credit Reporting Act ( FCRA ), the requirement for accuracy and completeness in credit reporting is outlined primarily in 15 U.S. Code 1681e ( b ). This section mandates that consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' in the information they include in consumer reports. 

It has come to my attention that my account with Truist Bank, which has been sold to XXXX XXXX XXXX XXXX, is not accurately represented on my credit report. Specifically, the account should be updated to reflect that it was sold for less, paid for less, than the full amount owed. 

I kindly request that you take the necessary steps to either : Delete the account from my credit report, as it is no longer under Truist Bank 's purview, or Update the account status to reflect that it was sold for less paid for less than the full amount, ensuring that all information reported is accurate. 
In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. 

A copy of this request for validation has been sent to the FTC CFPB AND three national Credit Reporting Agencies to begin their 30-day ingestion. 
Please provide me with written confirmation once these changes have been made. If you need any additional information or documentation to process this request, do not hesitate to contact me at the phone number or email address provided above. 




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

Sincerely, XXXX XXXX
Product: Debt collection

The Company Persolve , LLC illegally obtained a copy of my credit file in an attempt to collect on a debt not owed. This company did not have permissible purposes and authorization was NEVER given. This is illegal per the FCRA and the FDCPA acts.

The debt this company is attempting to collect is listed by another Credit Reporting Agency under a DIFFERENT Debt collector. This proves that this is not a valid legal debt owed to Persolve , LLC. This is illegal per the FCDPA act. 

This is a zombie debt that is parked on my account, that the company continues to report inaccurate information regarding this debt/ The company constantly increases the amount owed each month and RE AGING the debt each time I dispute it. This is inaccurate reporting and is illegal per the FDCPA act. 

This company also continues to contact me at my workplace using numbers from international companies after I verbally requested to cease communicating with me. This is illegal per the FDCPA act. 

This company also continues to report this debt on my credit files after officially disputing the account. This is illegal per the FCRA. 

Several attempts to seek legal validation of this debt resulted failed delivery and a return of certified mail ( Attached ). Ultimately, receipt of my dispute was received The company replied with sending personally identifiable information in the regular mail, documents that included my Social security number, non public information ) placing my identity at risk. Attached is a copy of the letter that accompanied my personal information that I received. This does not prove the validity of my debt. 

I request this company remove this illegal listing from my credit file, never to relist again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted Upgrade since last year and they refuse to resolve anything. They can not provide validation of the debt and continue reporting a negative tradelineon my credit report. If they can not provide the following information, I want the negative tradeline to be removed from my credit report. 
Upgrade, I demand the following : It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

1. That Upgrade Inc is complying with all applicable Federal Reserve Policies and Procedures, Federal laws, and State laws requiring the use of Generally Accepted Accounting Principles and Generally Accepted Auditing Standards for all bookkeeping entries associated with performing the Agreement. 

2. Audited bookkeeping entries showing assets/liabilities for the account in question. 

3. Copy of form 1099 filed by Upgrade Inc regarding the account in question. 

4. Copy of insurance policies associated with this account. 

Please do not confuse this request with a request for copies of any billing statements or a request for copies of any standard cardholder agreements. This is not such a request. Providing those items will verify nothing without the other requested documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information in my credit report provided by XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the unauthorized telecommunications account listed below : **Account in Question : ** XXXX XXXX XXXX Account **Creditor Information : ** XXXX XXXX XXXX XXXX XXXX XXXX Operations **Address : ** XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX : XXXX XXXX I have never applied for or authorized the opening of this telecommunications account. To be clear, I have not signed any documents or submitted any applications for this account. Therefore, I am requesting documented proof of the signature associated with this account. This proof should include, but is not limited to : - A signed application form - A copy of the original contract or agreement - Any other documentation that bears my signature, including information on the phone lines associated with this account.
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX credit account for incorrect info and TransUnion deleted it off my report I just wanted it correct not deleted
Product: Debt collection

I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file
Product: Debt collection

I received an alert from XXXX XXXX XXXX XXXX XXXX that there was a collection debt on my XXXX account {$680.00} on XX/XX/2022. I immediately disputed it with the credit Bureau XXXX on this same date. I also wrote and sent a certified dispute letter to the collection agency where the dispute came from on XX/XX/2022 asking for an accurate validation of the debt this agency stated I owe and their right to collect this debt from me. I received a bill from identifying my name and that this agency states that they are in receipt of verifying the referenced account I inquired about. The account was not verified correctly as requested. Credence Resource Management has enclosed to me a XXXX XXXX dated in for a bill period of XXXX XXXX- XXXX XXXX with an account number and amount of the bill in question with and address that I never has lived at. I currently have an account with XXXX so my personal information must have been used to obtain an account in my name. Credence took advantage of this matter and is now trying to collect this amount from me without a proper validation. I believe I have been a victim of identity theft for a charge I did not authorized in my name and the address on the XXXX XXXX is not on my XXXX credit file. There are no signatures stating I made this account valid for collections with this agency. This request is being made in pursuant to the Fair Credit Billing Act Amendments to the Truth in Lending Act. 15 U. S C 1666-1666b, 12 C.F.R, 226.13. I'm requesting for this to be made fair and remove from my credit report because it is damaging to my credit.
Product: Credit reporting or other personal consumer reports

an 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. 

TRANSUNION : Account Number : XXXX ( XXXX 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.
Product: Credit reporting or other personal consumer reports

The financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report
Product: Debt collection

Experian is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXXXXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX to formally address fraudulent and inaccurate information that persists on my credit file as a result of identity theft. This erroneous reporting continues to harm my credit reputation and has caused ongoing damage. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand an immediate investigation and removal of these fraudulent entries. The associated Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, provides comprehensive details of the fraudulent accounts in question. Upon reviewing my credit report, I identified multiple suspicious and unauthorized accounts that were opened without my consent. These entries are not only inaccurate but lack any legitimate basis or proper authorization, violating my rights under federal law. Under Title I, Section 151 of FACTA, credit reporting agencies are obligated to ensure that all reported information is accurate and verifiable. The continued presence of these fraudulent entries constitutes a clear violation of federal law and EQUIFAX 's duties as a credit reporting agency. Furthermore, the failure to maintain accurate reporting exposes EQUIFAX to potential liability under the FCRA for non-compliance. I request that EQUIFAX promptly conduct a thorough investigation into the fraudulent entries I have identified. I also demand that all inaccurate and unverifiable information be immediately blocked and removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to ensure compliance with the FCRA and FACTA. Failure to address these inaccuracies within the legally prescribed timeframe may leave me with no choice but to escalate this matter. This could include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies, as well as pursuing legal remedies to enforce my rights. Thank you for your immediate attention to this matter. I trust EQUIFAX will act swiftly and in accordance with its obligations under both federal and state consumer protection laws.
Product: Debt collection

On XXXX I contacted XXXX to dispute XXXX fraudulent collection accounts under my name that are currently affecting my credit score negatively. Those accounts are not mine and I have not inquire services from those companies. I also contacted the collection agency AFNI , INC, to report the accounts and remove it from my files. They created a report and communicated that they will contact XXXX, mobility to report the account that currently owes {$2300.00} and urged me to contact XXXX as well, and so I did. I have also contacted XXXX XXXX to report the fraudulent account that currently owes {$5100.00}. 
In the past I have been a victim of identity theft and have had multiple fraudulent accounts opened under my name. I have tried getting a police report for this and they stated that because there was no physical damage or visible crime, they were unable to provide a report. Therefore, I am requesting assistance and would like to issue a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account that is to old to be reporting to my credit and fraudulent inquires I did not authorize
Product: Credit reporting or other personal consumer reports

Ive recently checked my crediting report and noticed inaccurate accounts reporting.
Product: Payday loan

I thought I was getting a payday loan for {$400.00} that would be paid off at a total cost of {$600.00}. The details of the loan were not visible at the time of the loan submission. After the second payment I was able to log into the website to see the fees and the finance charge was listed at {$1900.00}. Though I have paid {$600.00} to date, there is still a pay off balance of {$600.00} due if I want to avoid the full finance charge. That is still far more than I was made aware of at the time of the loan submission. I will attach the document that was available on the website after my second payment in late XXXX 2016.
Product: Money transfer, virtual currency, or money service

Was frauded out of {$6500.00} via Zelle. Funds were taking from my linked bank account on XX/XX/year>. Reached out to Zelle and was advised that it was nothing that they could do even though I did not send or receive funds from anyone. Funds were just removed from my linked back account with XXXX. My personal bank was not able to help as this was not done by them.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$16000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights under 15 U.S.C. 1681-2 ( 2 ) ( 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. 
On Wednesday XX/XX/XXXX, the case was brought before XXXX XXXX XXXX regarding RI XXXX XXXX Acct XXXX XXXX that was being disputed due to incorrect amounts, balance transfers that were time-barred and other issues. 
Per the enclosed court transcripts, between Myself, The Judge, XXXX XXXX XXXX XXXX XXXX and Special Assistant Attorney from Attorney General 's Office. XXXX  XXXX XXXX stated they have put a hold on any collection activities, including trying to collect money from me, shutting off services or reporting the account to the credit bureaus. I have repeatedly asked that the incorrect {$10000.00} amount be pulled from my credit reports. None of the credit bureaus have removed it, nor have they stopped falsely reporting it. 
Today, XX/XX/XXXX, XXXX am, I spoke with a customer service representative from the XXXX XXXX XXXX XXXX XXXX, regarding Acct # XXXX whose listed as reporting the false information, per my credit report. She told me that XX/XX/XXXX XXXX  XXXX Cancelled the Contract from their office, yet they have not stopped reporting it as a collection debt due, though they were legally advise to stop!!! 
I demand that this falsely reported account be immediately removed from all Credit Bureaus ; XXXX, Experian, XXXX and any others that might be falsely reporting this inaccurate information. XXXX, XXXX, XXXX and XXXX XXXX!!!
Product: Debt collection

I am concerned about the collection attempts of an alleged owing balance. Over the last few months I have received numerous calls from XXXX XXXX about an owing balance on an account that I 'm not familiar with. As I do with all unfamiliar collection attempts, I asked her to send me the information so I can review and verify. On more than XXXX call, I provided her my employment address as follows ; XXXX XXXX XXXX XXXX XXXX. 
XXXX, UT XXXX XXXX XXXX I have still not received any information around this " collection '' and in my last conversation was told that I can come pick up the information but you will not mail it. That is very concerning. 

I am happy to review the claim, but I ask again that you mail me the information as requested to the above address. 

Thank you for your assistance with this matter and I wait for your information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted XXXX, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, XXXX has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( Collection Consultants of California ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to XXXX, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 

This ground for removal they also violated my rights under 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 ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation
Product: Mortgage

My mortgage was serviced by XXXX XXXX XXXX. They denied a modification for a lower interest rate which I requested. I fell further behind in payments while the underwriters drug their feet. The servicing was sold to a company called SLs. This company runs a scam in which they request docs you 've already sent them, so they effictevily string you along until they can forclose. I 've sent the requested documentation ( bank statements, tax returns, hardship letters etc etc ) multiple times, to no avail. No return calls, no assistance. My goal is to keep my home, and obtain a fixed rate, fair mortgage. And get out of the current scam of SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted a complete Identity Theft report because my identity was stolen. The creditors did not acknowledge my complaint and remove or block the fraudulent information on my credit file.