23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX To : CREDIT COLLECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice to my credit XX/XX/year> regarding account # XXXX. 

Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Its now XXXX  and my XXXX  is still locked! Now Im getting told to call back in the afternoon ( which is almost impossible! ) Its been locked since XXXX. Im not sure what else to do at this point! This is a pandemic and I cant even access MY MONEY! Theres no physical branch in Pennsylvania or Id go there in person. I wish our government offered other payment options! 3-5 business days is turning into 3-5 months
Product: Debt collection

I am submitting this complaint as there is no third party involved, I am making this complaint to CKS PRIME INVESTMENT, L on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of XXXX  is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Product: Debt collection

Americollect is reporting two medical debts that are not mines. Never heard of or seen this Doctor. They have not provided the proper debt validity for these accounts as well.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$43.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number-XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : I viewed my Transunion credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, 2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Product: Debt collection

XXXX identical accounts XXXX for {$1200.00} and XXXX for {$1.00}, XXXX account states XX/XX/year> and other XX/XX/year> almost to the day, also first delinquency 1 month in from date. I have looked at the company lvnv XXXX reports and there famous for using algorithm to change old contracts into enforceable contracts. 

Lvnv funding account # XXXX {$1200.00} # XXXX = {$1200.00} Please look at all start dates and delinquency dates. This looks like a poor attempt at going for money even if it's breaking the law.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I originally disputed XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with XXXX  ( Orgiinal Creditor XXXX XXXX ) Account # XXXX. I asked XXXX to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure XXXX would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. The Date of last payment doesn't match, and the Date of last Active is different as well. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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

I've found the following violations on my consumer report U S C 6801 reporting of non public information XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and U S C 1666b reporting of illegal lates XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I did not give anyone written consent to share these accounts on my consumer report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equitax written permission to furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some new inquiries that I did not authorized and would like them removed. XXXX, XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My data was breached and incorrect information was reported from all three credit bureaus Equifax, Trans Union And Experian credit bureau.
Product: Student loan

Have been trying for months to get a forbearance on my loan the old acs number says no longer in service and the new number says no ssn on file then just hangs up without connecting me. My account will go into default because I can not reach anyone.
Product: Credit card or prepaid card

I purchased 4 small rugs from XXXX. on XX/XX/XXXX. Within a half hour i realized I purchased the wrong size. I tried to cancel but they shipped them anyway. When received I went on line and got a XXXX #. ( return merchandise authorization ). I returned the rugs at my expense on XX/XX/XXXX. I disputed the charge with Chase, my cc company on the same day. At the end of XXXX I received my cc bill. It had a credit that said XXXX for the amount of the dispute. I went on line to my account and the Dispute Tracker was empty. I assumed the issue was resolved so I shredded all my paperwork. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX asking for my side of the story. It said it had to be returned by XX/XX/XXXX. This was the first communication I had from Chase. I contacted Chase and they were totally disinterested. I filled out the paperwork they sent me and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I was charged again for the rugs. 
I have been a Chase customer since XXXX, perfect credit and payment history. They did not have my back and their lack of communication was unacceptable. This problem could have been avoided with the proper follow up.
Product: Student loan

I tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.
Product: Credit reporting or other personal consumer reports

The collection account reporting to my credit report from XXXX XXXX XXXX with a balance of {$1500.00}, which was opened XX/XX/year> is reporting inaccurate information. The phone number, address, and date opened is inaccurate. I have disputed this account with XXXX XXXX XXXX XXXX TransUnion but neither company has accurately investigated the dispute. 

These inconsistencies and lack of proper verification, constitute a violation of the fair credit report act, FCRA, 15 USC 1681, which requires credit reporting agencies to ensure the accuracy and fairness of consumer credit information. 


According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, it has been over a year that i have tried to work with both credit bureaus XXXX and TransUnion and XXXX  XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!! <P/>I have awaited a year!!!
Product: Credit card or prepaid card

I paid my XXXX balance in full before the cycle period but was still charged an interest fee. I was told its because I have to pay my card in full for for 2 months. If my acct cycles with a zero bal then what am I being charged for? Also I made my payment at XXXX on XXXX XXXX and I was charged a late fee. They claim its because I missed the cut off but Im also a bank customer and their cut off is XXXX ET not XXXXET. Thats an honest mistake and I believe I should be credited for thats
Product: Credit reporting, credit repair services, or other personal consumer reports

First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX  because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, XXXX and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, XXXX XXXX
Product: Debt collection

Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 
2. Debt is past statute of limitations
Product: Credit card

The Citibank did double charges in XXXX flexi payments transactions to my credit card. Plus, I should already have the refund from XXXX XXXX for {$77.00} dls from each charge ( 3 charges ) plus XXXX refunds from XXXX XXXX of the same amount {$77.00} dls. Total is {$670.00} dls. This money is charged to my credit card balance and It has to be removed to my credit card in order to make a payment, because it is alterating my balance a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEP ED, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX  # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  XXXX  # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}