23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account. 

I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.
Product: Debt collection

XXXX XXXX. 
VELOCITY INVESTMENT Formal Dispute of Charge-Off Account Reporting Associated with Account Number [ Account Number ] Dear [ Credit Reporting Agency/Creditor Name ] , I am writing to formally dispute the reporting of the charge-off account associated with [ Account Number ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : XXXX. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report.

In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I called XXXX XXXX XXXX  and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and Experian have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is not reporting my score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately.
Product: Credit reporting or other personal consumer reports

I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt. 
According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
The actions being taken each month affect my credit score, credit report, and creditworthiness.
Product: Debt collection

Synchrony Bank keeps calling every hour on the hour it seems, to collect on their carecredit credit card.. I have repeatedly told them we are in the process f making a payment and this does not seem to sink in. I am at my wits end with them and feel the only course of action is to file a lawsuit. I do not want or need this sort of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion three dispute letters, verifying my identity and requesting investigations of errors on my bureau file. I have requested that the results be documented and mailed to me at the address that I provided. Please see attached as evidence of the letters and the dates in which TransUnion did not respond by 30 days. Each a violation resulting in a fine of {$1000.00}. I also provided a copy of the XXXX report displaying no information for the information that was stated to be confirmed during the investigation. 

Action : They refuse to correct information after being provided proof of inaccuracy. 
Violation : Defamation, willful injury Legal Jurisdiction : FCRA XXXX XXXX XXXX XXXX TRANS UNION XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). 

Action : Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) Violation : Consumer Protection afforded by the FCRA Legal Jurisdiction : FCRA Section 611 Part ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX {$130.00} ( PLEASE DELETE ) XXXX  XXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX CLOSED ( PLEASE DELETE ) INQUIRIES : XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.
Product: Checking or savings account

I've had problems in the past with fraudulent purchases in the past not getting my money back to my account. Also i was not informed clearly when opening a checking account that you needed direct deposits with a pay checks only and not regular deposits electronically.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Product: Credit card

I had XXXX accounts from Capital One bank show up on my credit report. I do n't have any accounts from Capital One. I tried disputing them with the company to no avail, furthermore I disputed the accounts with the credit reporting agency, XXXX, and they were " verified '' as mine. These accounts where open under my name and SSN and do not belong to me. They must be removed from my credit file. I have the information about these accounts listed below. 

Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$0.00} Capital One XXXX Date Opened : XXXX/XXXX/2010 Credit Limit : {$300.00} Balance : {$1400.00} These accounts are not mine and must be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX or early XXXX of 2022 I purchased an XXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ( XXXX ) XXXX. I ask them if I could finance this as I did not want to spend money from my savings. She said I will locate, get your info and let you know. 5 minutes later she said she could get it financed and so I said go for it. The company took the loan which I had ask for {$4200.00}. When I got the paperwork they had already added money for finance. The total now was {$4900.00} and the payments would be {$150.00}. On the XXXX of XXXX I went to XXXX 's and ask to trade my original purchase in for an upgrade. They told me how much it would be and I agreed. I went to my Bank witch is XXXX XXXX XXXX XXXX and ask them to take this entire loan. They did and sent a check to the finance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH : ( XXXX ) XXXX. ) The bank knew that this had to be paid prior to the XXXX of XXXX to avoid adding more interest charges. So they sent the check overnight with a signature required. The check was signed for on the XXXX of XXXX. It is now XXXX XXXX and they keep adding interest and wanting a payment. I have tried to call the company numerous times and to date have had no success from anyone at this company. All I want is to protect my credit score. If they show me as a no show then I will be left with no choice but to sue them. Not sure you can help with this but I am desperate. I value my credit score of XXXX and have worked hard to get it up. All my bills are paid every month and have not ever had a late. My phone number is ( XXXX ) XXXX. If I am barking up the wrong tree then pleas notify me I may proceed. Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has not updated incorrect account and balance information to the credit bureaus since XX/XX/XXXX. The loan is showing it's still in delinquent status and causing my scores to drop 11+ points each month due to this issue. The account has been current since XX/XX/XXXX and the balance is {$2100.00} less than what is showing with the credit bureaus.
Product: Debt collection

On XX/XX/XXXX2024, I sent an email to LVNV Funding LLC requesting a copy of the Original Purchase Agreement. I informed them that the agreement must be with the original creditor and signed by all parties involved. I also explained the reason for this and requested this debt removed from my credit reports until I received the documents. 
Yesterday, XX/XX/XXXX24, I received, in the mail, from LVNV Funding LLC copies of credit card purchases. This is not what I asked for and the company did not remove this debt from my credit reports during their " investigation ''. If they can not produce the Original Purchase Agreement as request by law, I want this removed from my credit reports as soon as possible.
Product: Credit card or prepaid card

I received a letter from Comenity Capital Bank in XXXX, OH that I had been denied an XXXX XXXX credit card. The letter was dated XX/XX/2022 and I received the letter XX/XX/2022. 

I NEVER APPLIED for this card.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX VA XXXX XXXX ) XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ) XXXX Balance XXXX {$5800.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX