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

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( Transunion ), Account disputed by consumer ( XXXX ), Account disputed ( XXXX XXXX Creditor Type : Other Collection Agencies Account Status : Open ( Transunion XXXX, Closed ( XXXX and XXXX XXXX Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( Transunion ), Customer disputed account - reported by subscriber ( XXXX ), Consumer disputes this account information ( XXXX ) Original XXXX : XXXXXXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on Transunion but closed on XXXX and XXXX. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete. 

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA. 

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.
Product: Debt collection

On my report the date opened states XX/XX/XXXX when I called the CREDENCE RESOURCE MANAGEMENT XX/XX/XXXX at XXXX XXXX  they stated the date opened was XX/XX/XXXX. 
The date closed is not reported on my credit report when I called they stated it was closed XX/XX/XXXX. 
They did not have the date the account as sold, charged off, the date of first delinquency, and the date of last payment. 

The balance is reported is incorrect, I called and asked the balance CREDENCE RESOURCE MANAGEMENT stated it was {$680.00} On my credit report it states that it's {$680.00}. 

How can that be reported as accurate information since XXXXXXXX XXXX XXXX 
This has caused me major emotional damage.
Product: Credit reporting

I have a brother that has the same XXXX initial as mine, and XXXX of XXXX numbers of my social security are the same as his. Our credit has merged as if we are the same people. His student loans, child support, vehicle repossessions, etc. are on my credit report. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

The following information needs to be omitted, Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Omit the following employers XXXX XXXX XXXXXXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a. timely fashion Kind Regards, XXXX ; XXXX : XXXX Without prejudice, Al natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy inXX/XX/XXXXand my student loans were a part of my bankruptcy. My case has since been resolved and the student loans were suppose to be taken off. Here it is almost 4 years later and they are still showing up. It is still showing up on my credit report. This is for all three credit reports. How can I get this resolved.
Product: Debt collection

Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.
Product: Money transfer, virtual currency, or money service

I had received an amount of money XXXX and cash app told me that the XXXX that was stolen from me had to be that of larger amount so they couldnt do anything about giving my money back in return
Product: Credit reporting 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. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I decided to pay a collection account from XXXX XXXX, but the company claims that I still owe them money, so I proceeded to mail the credit bureaus a letter letting them know that the debt was paid, including a copy of the receipt. On XX/XX/2021 I sent follow-up letters because the credit bureaus were still not responding. By today XX/XX/2021 the credit bureaus have not responded has not responded.
Product: Credit card

Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! 
I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. 
I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. 
I am a very unhappy customer and am considering closing down all of my accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

" CREDCO '' XXXX XXXX XXXX. via CREDCO has been inquiring for many years now & continuiously puts HARD inquiries on my reports. 
Some have dropped off XXXX they continue. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't know how or when they received permission to continue to make these Hard Inquiries. 
I wish to STOP them from further Inquiries. What must I do to stop this from further happening?
Product: Credit reporting, credit repair services, or other personal consumer reports

Got a letter from XXXX XXXX saying I was denied a car loan from them because of a illegal credit reporting company called XXXX XXXX XXXX. This " credit reporting '' company is providing false data to banks and other financial companies. This company needs to be shut down and all consumer info needs to be wiped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My complaint is about the {$3700.00} in fees assessed to my mortgage. As you know, these fees were assessed by a predatory lender who is the subject of multiple complaints. Shortly after the bailout, I contacted my mortgage servicer for assistance as my mortgage payments were late and I was close to foreclosure. Although I made several attempts to obtain assistance by applying online, my mortgage servicer claimed to have not received any information from me, this happened several times.
Product: Debt collection

Second mortgage dated XXXX a default judgement was place in XXXX in which I was never notified, company that originated the loan has since gone out of business, Only reason I found out about it was I did a property search and found an open lien, my attorney reached out to Real time resolution to obtain a satisfaction of mortgage on my property. Since the lien was places back on XXXX the statue of limitation has expired and since original lender did not enforce or foreclosed the judgement and never renew the judgement they are illegal holding a claim which is not enforceable. I paid attorneys and spent a tremendous amount of time finding out that the statue of limitation on a judgement is 10 years, the company that bought the loan and submitted documents that they now have the right to collect has not followed the letter of the law and refuse to assist. I was never served any documents in XXXX. I live in XXXX  but have property in XXXX XXXX. I am submitting proof by there XXXX words that the statue of limitation has expired in a letter they sent, .i need a SATISFACTION of mortgage and a release as per your own words the account was charge of on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Debt collection

On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.
Product: Debt collection

I have been disputing this account for some time now with PHOENIX FINANCIAL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.