23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in response to your recent communication dated XX/XX/year>, regarding the debt associated with my Synchrony PayPal account, account number XXXX. While I appreciate that you have provided a copy of my last bank statement, this is insufficient to fulfill the full debt validation request that I made under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

As you are aware, I initially sent my request via certified mail on XX/XX/year>. In that request, I sought the following documentation : The full legal name and address of the original and current creditor. 
Verification of the debt amount claimed, including a contract or agreement demonstrating the debts existence, amount, and terms. 
A full chain of assignment and transfer of the debt, including any transfers between the original creditor, a secured trust, and the current creditor, as well as proof that the debt was securitized ( if applicable ). 
A copy of Form 1099-C ( Cancellation of Debt ), if issued, to confirm whether any portion of the debt was forgiven or canceled. 
The bank statement you provided does not meet the requirements of my original request. Specifically, the requested documentation on the chain of assignment and the Form 1099-C, if applicable, were not included. 

Additionally, I have concerns regarding re-aging of the debt and the reporting of inaccurate information to credit bureaus. I dispute the validity of this debt and the accuracy of the information reported on my credit report. As per my original request, I am exercising my right under the FDCPA to demand that you cease all collection efforts, including any credit reporting, until you provide the complete documentation required for full validation. 

If Synchrony PayPal can not provide the necessary documents, I demand that this debt be deleted from my account and refrain from reporting it to any credit bureaus. If I do not receive the requested documentation within 30 days, I will consider this matter unresolved and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

For your records, my previous address was : XXXX XXXX XXXX, XXXX, California XXXX, and my previous phone number was : XXXX. 

However, my current address, as updated on my credit report, is : XXXX XXXX XXXX, XXXX XXXX, New York XXXX. 

Please update your records accordingly. 


I appreciate your prompt attention to this matter and look forward to receiving the full documentation as requested. Until then, I expect that all collection actions, including credit reporting, cease.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes while accounts still open to inform company of misuse of card/product by other persons than myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my 3 credit reports after disputing several incorrect items on my report for months. I reviewed these reports from XXXX and still see major errors that the bureaus refuse to properly investigate and remove. I've disputed these incorrect items on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as well as contacted the original creditors my mail requesting billing activity statements, itemized statements of amounts they claim I owe and proof of contract. There are incorrect names and addresses still listed on my reports, which is ridiculous and show blatant errors. The only spelling of my name that should be reflected on my reports is the name on the passport ID I've attached and the only address that is my current and only address is the one listed on the proof of address paystub I've attached. any other names or addresses reporting beyond this information is inaccurate and needs to be removed from my reports immediately. 

There's a collection account being reported on my XXXX report from XXXX XXXXXXXX XXXX XXXX for {$150.00}. The reporting shows that this is some attempt to collect on a medical debt owed to a doctor. I have a receipt showing proof of payment made DIRECTLY to the doctor 's office/original creditor, XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX.I attached a copy of my receipt to this complaint. This collector, XXXX XXXXXXXX XXXX XXXX  does not have the right to report or continue attempting to collect on a debt that I don't owe them and that I paid off to the original creditor. It isn't legal for them to report this collection as paid or report a payment date when I did not pay their company. I paid my doctor 's office directly in person. This is unacceptable and yet XXXX and XXXX  still reported this inaccurate collections account on XX/XX/XXXX this year AFTER this debt has been paid to the original creditor. 

Then, there are major inaccuracies and discrepancies in the reporting of these alleged charge-off accounts with XXXX and XXXX. XXXX  doesn't report an account number on the XXXX account. There should be a specific account number listed for any accounts reported to my credit. This is just ONE of several inaccuracies on this account and my reports even after the credit bureaus claimed reinvestigation. 

XXXX  and XXXX XXXX accounts are reporting incorrect late payments. The bureaus are reporting this information incorrectly and inconsistently across the bureaus. It's clear they did not truly complete an investigation of my multiple disputes based on the errors that remain.
Product: Debt collection

The issue of debt collection practices raises significant concerns regarding consumer rights, particularly when collectors fail to validate debts. In my case, the persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score, which is critical for future financial opportunities. 

Furthermore, my attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} and XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Why you still posting these negative information on my account? I keep sending complaint to you about it! These accounts are not mine! They shouldn't be on my credit report! Im sure someone have my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed. XXXX XXXX XXXX Inquired on XX/XX/ 2022, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022, XXXX  XXXX XXXX : XXXX. XXXX, 2022
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there is unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand them that remove the listed inquiry immediately. 

XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO FRAUDULENT HARD PULLS ON XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Experian claimed they verified the information. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent both documents to Experian to remove the unverified information. Experian has not removed the 3 bankruptcies even tho the bankruptcies are unverifiable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The discover account is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 and hard inquiries appears on my credit report from a company name CITI RETAIL SERVICES- US I dont recognize this at all I would more then like it be remove thank you
Product: Student loan

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes XXXX or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them and not getting simple problems resolved. 
They 've already made XXXX mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

My ex stole my Amex card from the safe, opened one in his name as an authorized user without my knowledge, had all our mail ( including mine ) forwarded to a po box , maxed out my credit card, and did not pay the bill. When I found out, I had his card canceled and disputed the charges. It is fraud. Amex had me pay minimum balances for months saying it was in dispute and they were trying to get the final payoff down for me. In XXXX I received a letter from Amex stating my final payoff would be {$6000.00}. In XXXX I spoke to the same representative again and he said he was trying to get it down to {$4000.00} and I should wait two weeks for him to call me back. After only one week I received a call from a different person saying my account has been moved and they refused to listen to me or acknowledge the previous promise. I have the letter from Amex, all the phone calls documented, and the names of all the representatives I've spoken to. I am requesting help fighting for what was promised to me. It is Amex 's fault to begin with letting my ex steal from me and open up another card and letting him use my card. They aren't my purchases. Thank you for your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX Credit Card Account Reporting Dear Credit Reporting Agency I am writing to formally dispute the reporting of my XXXX XXXXXXXX Credit Card account XXXX which was opened on XX/XX/2022, with a current balance of {$1200.00}. This account has been reported in violation of the Uniform Commercial Code ( UCC ) and several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, 15 USC 1604 ( a ), and 15 USC 1666 ( b ).

According to 15 USC 1681, I have a right to privacy regarding my financial information. I did not provide permission to XXXX XXXX to furnish my account information to credit reporting agencies, which is mandated under 15 USC 1604 ( a ). Additionally, under 15 USC 1666 ( b ), a creditor can not treat a late payment on an open-ended account as late for any purposes, and I believe this has been incorrectly applied in my case. 

As such, I am requesting that you conduct an investigation into this matter and remove the XXXX XXXX Credit Card account from my credit report. I have not authorized the reporting of this account, and it is essential that my rights under the UCC and FCRA are respected. 

Please provide a thorough investigation and written confirmation of the results. If the account is found to be inaccurately reported or unverified, I expect it to be removed from all credit reporting agencies promptly. 

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

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

I do not have a contract  with IQ. DATA INTERNATIONAL .I am not liable for co llection this debt fro m IQ DATA INTERNATIONAL. I am not respo nsible for this debt.     Desired Outcome : Correction to a credit report DELETE FROM CREDIT REPORT. they can not sell the debt to another agency, they will not disclose the information to any third party, they agree to delete from all   XXXX   credit bureaus, they agree to not post it as a settled account, and that the payment is accepted as payment in full.     As previously pointed out to you,  XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX  , defines  Verification as,   Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document that proves the accou nt ( s ) in  dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must hav  e 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days.
A copy of this letter as well as copies of the   XXXX   previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available   to m e ( Section 616 & 617 ) if you fail to comply with Federal Law.  I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.   In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit card

On XX/XX/23 I made a {$16.00} charge at a pharmacy in the airport at XXXX XXXX in the XXXX XXXX. 

The charge reflected on my credit card bill {$460.00} so I disputed the bill and Barclay Bank issued a provisional credit.

Barclay Bank requested a copy of my charge receipt but I did not keep it due to the small amount so I requested they provide a copy from the merchant. They indicated they don't do that and reversed the provisional credit to my account. 

I contacted the merchant XXXX times who acknowledged the error and committed to correcting it but will not. 

I wrote another letter to Barclay Bank on XX/XX/23 disputing the charge and requesting they provide me proof that I actually made the charge as required under XXXX. XXXX # XXXX paragraph ( a ) ( XXXX ) ( vii ). 

They sent a letter noting the case is closed since I can't provide them with proof of the charge. 

I spoke with a Senior customer service representative on XX/XX/23 asking what may be done and she indicated XXXX 's will not contact the merchant for the proof AND they will not issue another provisional credit. 

Not sure why they will not follow XXXX XXXX but it seems pretty clear to me.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of equivalent data breach.I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothin.please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX