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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX/XXXX  Account # XXXX, Account Name XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX Account # 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
Product: Checking or savings account

I just sent them a billing error notice and remittance to deposited and credit to my account again I hear nothing they sent me a letter saying this XXXX. What's showing in my account t they sent a letter stating balance now as positive they sent printed statement not authenticated no seal or navy federal employees who issued it didn't sign it I caught something today as to the credit I know I was approved for I seen their system glitch obviously their looking at me in dishonor I've shared with the malware code.second how could this balanced be over drawn XXXX they denied me overdraft.can you ask why they have credited my account from notes they received and why hasn't the manger at XXXX branch sent my note back like stated three weeks ago they have my account still frozen they said they investigated my claim from account XXXX and if I wanted results get a supena.so I forward all 34 recorded conversation saved chats all receipts everything the XXXX in remittance that I pledge accepted for value and they haven't credit my account .and I asked for statements sent they got me blocked in app I can't download them when they reset my log in I stated I wanted delivered not electronic so my aunt who works for ncua signed a power of attorney and will be assisting there is not one thing they fixed or worked as they replied so now since you sending them tuff and their playing both sides my aunt after reviewing everything even the certified tracking number for everything sent she will handle this because they are violation and causing harm and setting my account and doing things to benefit them.they said they don't have anyy shares or assets my aunt was appalled and disappointed to here reps say this conversation is not productive .when I send response and they can't read it.my aunt see what's going on and is meeting with board of directors .and gon na bring investigation and claim for me they are wrong keeping my credits. But didn't know who my mom 's sister is at the ncua it's sad my aunt see everything you allowed them to just lie and cause harm she be reaching out to you guys to one what you really did submit and what steps you took instead of just closing things .yeah I have family in government not my place disclose but just cause you you don't know who people are and take advantage .sometime that comes back to bite.last thing the last discriminating convos with repsy aunt was on the phone as well taking notes. She didn't believee at first but navy federal gon na pay for this for sure
Product: Credit card or prepaid card

I will give a basic portion of the story, but from the start of opening the credit card, I had problems with the balance transfer option. On XX/XX/XXXX a balance transfer of {$3000.00} was requested by me. I inadvertently entered one digit on the credit card number for my credit card. BarclaysXXXX XXXX continued to process the balance transfer, without verifying if the name, expiration date, and security matched, which is obviously did not match all my info. I now have a {$3000.00} balance on my credit card through Barclays that is not mine, it was transferred from someone elses credit card. No attempts by the credit card company have been made to fix the situation. They charged me a fee to transfer to the balance as well. At this point, I have a {$3000.00} balance on my card that isnt mine, that I have to make minimum payments on. I have been dismissed by customer service, telling me they wont get back to me for XXXX billing cycles, let alone whether or not theyre willing to admit to the mistake of not verifying my account info or rectify transferring the balance and removing the balance and the fee. I am beyond frustrated to be paying a balance I didnt incur, only for my concerns and amount of stress over this to fall on deaf ears. I have been attempting to rectify the problem and messaged customer service, and spoken to a representative at the company on XX/XX/XXXX. The issues has not been resolved and no attempts to help me have been made, except tell me I have to wait XXXX billing cycles for a mistake that was their fault.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX several times, including discussions with both customer service and their fraud department, regarding a late payment that occurred in XX/XX/year>. I was hospitalized due to the birth of my son and, as a result, was unable to make the payment on the scheduled date. Prior to this, I had informed the company in advance and was assured that my credit would not be impacted. However, my account currently reflects a late payment in XX/XX/year>, which I kindly request to have removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian on countless occaisions via certified letters that the personal info they have on me is incorrect... specifically NAME. 


My name is : XXXX XXXX NOT XXXX XXXX XXXX They refuse to fix my name even though I have requested that they fix it over and over and over since last year! 

The fact that they willfully and wantonly never fix the very basic things that you are trying to get fixed is the reason why I reach out to the CFPB.
Product: Student loan

I have an ongoing issue with them. Every time, I would renew my XXXX they would put my student loan into a forbearance, which caused it to generate more interest and nothing was applied into principal. I worked very hard on paying my student loan, so at least I was two months ahead of it. Myfedloan made sure that I wasn't ahead on my loan. They kept backdating it and stating I wasn't two months ahead on my loan. Basically, I was left paying more interest than principal for my entire loan.
Product: Vehicle loan or lease

I have not received the title after the loan was paid off. TD Auto Finance says they never had the title and have repeatedly requested a duplicate from CA XXXX. CA XXXX says they have not received any request. CA XXXX also says a request must be made by mail, but TD Auto Finance refuses to use that method. It's already been almost 2 months since I paid off the loan and after speaking to Auto Finance XXXX or 3 times a week for the last 2 months, I feel hopeless that I will ever get the title. I need help. Thank you. XXXX XXXX
Product: Credit card

Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times about the derogatory marks on my reports which include XXXX  ( XXXX XXXX in the amount : {$670.00} and XXXX XXXX in the amount : {$560.00} ) XXXX  ( XXXX amount : {$670.00} ) and Experian (  XXXX XXXX XXXX in the amount : {$660.00}, XXXX   XXXX  in the amount : {$670.00}, XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$470.00} ) .I have also disputed with the furnishers by sending in affdavits in reference to the FDCPA section 1692g and 1692e.I never received any information.This is violation of the FCRA reporting false information with no proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Optima Recovery Services marked me with owning them XXXX and XXXX dollars. This was for a gym membership and a personal trainer. I moved from XXXX Tn to XXXX Ks and called several times to try to cancel with no resolve. I am also a 100 % XXXX Veteran and moved farther then 25 miles away which should have been enough to cancel my membership by itself. Ive called several times over the pass yrs to try to settle but they want XXXX dollars. This all seems very much like a scam. Also when I moved away my personal trainer also moved to XXXX XXXX Fl. This company seems to pray on situations like this.
Product: Debt collection

To whom it concern I am filing a complaint on Sequium Asset Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX in to Reference # XXXX XX/XX/XXXX This company called me to collect a debt that was already resolved by XXXX XXXX which is XXXX XXXX. I as this company do not call or send me a letter because it has been resolved by the XXXX XXXX Resolutions Manager, XXXX XXXX XXXX number ( XXXX ) XXXX XXXX EXT XXXX I was wrongfully sold this product and billed for it. I returned the phone and the bill was erased by XXXX XXXX XXXX. I am not sure how this company got this but this was taken off my credit once the issue was resolved with XXXX XXXX XXXX If needed I have the emails from XXXX XXXX this has been resolved. 

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

I filed bankruptcy in XXXX XXXX Chapter XXXX  - bankruptcy discharged in XXXX XXXX Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : 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.
Product: Mortgage

My wife and I contracted with a real estate agent for a short sale of our home. We notified all lenders, yet the XXXX lender required repeats on many of our documents, claiming they were unreadable or expired. Finally we were told all of our documents had been referred to the committee. After a months wait we were told they did n't have our real estate agent 's email correctly and our file was now paused. Documents were unreadable or expired. We are in our XXXX extension -- expiring at XX/XX/XXXX -- with a viable buyer because of this process.
Product: Debt collection

I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.
Product: Checking or savings account

My identity was stolen back in XXXX  XXXX. I couldnt figure out what was going on with my credit or my computer until I cashed my cell phones and I saw my mother-in-law information. Her name is XXXX XXXX she hacked all my devices and this business popped up Trans Union XXXX XXXX was running my credit every other day. I have a lot of information on this individual that owns that business. I need some help Im 100 % positive. That is my mother-in-law thats behind all of this fraud. She has multiple businesses online and she uses the dark web to make transactions I know because she was doing it to me. Ive been going through this for four years already. Please help. Her address is XXXX XXXX XXXX XXXX XXXX ca XXXX I already filed a complaint with the FBI IC3 state attorney, but I have not gotten anywhere so I need your help
Product: Credit card or prepaid card

I used care credit which was purchased by SYNCB. I used the card with a XXXX  .I was told that the clinic was a member of my health network .I agreed to pay for a XXXX with a charge of about 1200.Before the XXXX arrived I found out that the XXXX office was not in my network and the price was almost twice as much.I contacted them to cancel. I explain that the price was too much and that I would use my benefits within Network. I went to an In network XXXX and paid 700 to 800. I contacted them by phone and in person before the XXXX arrived. I tried to convince them to return the XXXX which could be broken down.I do n't want to pay for a service/product that I did not receive. Had they been honest in the beginning and told me that they were not in my network..I would never have agreed to purchase the XXXX.
SYNCB made a minimal effort to contact the XXXX clinic. Basically I was told to work something out with the XXXX clinic..
SYNCB also on a monthly basis makes an average of 5 /4 inquiries a month every month on my credit report which seems to be excessive.
Product: Debt collection

First of all I applied for a payday loan with my payday loan. After seeing the outrageous finance fee I decided not to take the loan and exited away from the screen without agreeing to electronic signature agreement. Next day there was {$300.00} in my bank account and they prevented me from cancelling by making it impossible by communication. I eventually closed the account and they turned me over to XXXX XXXX XXXX who then turned me over to XXXX XXXX. I began receiving threatening phone calls from XXXX of XXXX XXXX XXXX who said I owe {$1100.00} but would give me a discount of {$800.00} due if I set up arrangements to pay with payment information. I told her I did n't have it and she then told me she was turning me in to my parish district attorney and I 'd be served a summons at my work. Then she called my mother in law and left her a message that I had charges against me. I finally gave her my credit card number but will cancel the card after I hear back from the original lender on whether the company is correct in their claim
Product: Mortgage

I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX. 
XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status.

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXXXXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. 

These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX : Consumer Dispute Division Subject : Request for Validation of Debt - Account Number XXXX Dear XXXX, I trust this correspondence finds you in good health. I am writing to formally contest the collection account referenced above currently listed on my credit report. The account was originally initiated with XXXX XXXX and is reported under the CONSERVE collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately depict my credit history, and I am seeking validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am specifically requesting the following : 1. **Creditor Confirmation** : Verification that CONSERVE is indeed the rightful creditor for this account and possesses the authority to collect the debt. Documentation such as the original loan agreement or transfer documents would be instrumental in clarifying this matter.

2. **Account Details** : A comprehensive account statement, including the payment history and all relevant documentation substantiating the legitimacy of this debt. Detailed information about each payment made and any supporting paperwork is essential for a proper assessment.

3. **Transfer Validation** : Evidence that the debt was duly transferred or sold to CONSERVE, including any records that confirm this. Information such as the transfer date and supporting legal documentation will help verify the process.

4. **Breakdown of Fees** : A detailed breakdown of any fees or additional charges applied to this debt, along with an explanation of how these amounts were calculated. This is crucial for understanding the total amount claimed and for resolving any discrepancies.

5. **Statute of Limitations** : Clarification of the statute of limitations applicable to this debt to ascertain its legal enforceability.

6. **Communication Records** : Provision of any communication records related to this account, including letters, emails, or phone call logs. Access to this information is necessary for reviewing all interactions and ensuring compliance with relevant regulations.

Under the Fair Credit Reporting Act ( FCRA ), you are required to provide this information within 30 days of receiving this letter. However, considering the importance of this dispute, I urge you to expedite your review process to provide a thorough response within 10 days.

If you are unable to validate the debt, I demand its removal from my credit report, as unverified debts violate FCRA regulations. Please address your response electronically to the email address provided above for faster processing. 

Thank you for your prompt attention to this serious issue. I look forward to receiving a comprehensive response and working towards a resolution. 


XXXX XXXX
Product: Credit card or prepaid card

I have new an updated information regarding my previous complaint. I would like Discover to provide the federal law which gave it permissible purpose to obtain my consumer report on XX/XX/2017. I would also like Discover to provide the written consent it received from me to perform this action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia To : XXXX XXXX  XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and CAPITAL ONE BANK USA N.A is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX