23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do notcontact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Checking or savings account

On XX/XX/24 I noticed a withdrawal of {$360.00} from our checking account. The charge originated from XXXXXXXX XXXX in XXXX, OH. We immediately called the bank and they placed a stop payment on the charge. We then received an email message stating that the fraudsters attempted another {$240.00} withdrawals from XXXX XXXX in XXXX, OH. Ally bank stopped that transaction/withdrawal but is still holding us responsible for the first {$360.00} withdrawal that we did not make or authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 a 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 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, credit repair services, or other personal consumer reports

I disputed an error on my TransUnion credit report over 3 times last year, regarding a notation on my report saying : Accounts with missed payments REAL ESTATE LOANS XXXX XXXX XXXX XXXX  1 Missed Currently null I contacted XXXX XXXX 2 days ago AGAIN, and they advised they have no noticed on my account that I EVER missed a payment on my mortgage payment. I have responded back to TransUnion numerous times, filing numerous disputes & they still continue to include this incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the problem I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.I pulled my credit report from XXXX XXXX On XXXX I mailed a certified letter to all 3 credit bureaus, XXXX, TransUnion and XXXX. 30 days after they received that letters they did not update or delete the accounts. On XXXX I sent another certified letter to all 3 bureaus again asking them to do another reinvestigation on the same accounts and again the accounts were not updated or deleted. 

Here is a copy of the original letter I sent out on XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, XXXX and Trans Union XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  # XXXX XXXX ) Date of Last activity : Transunion reported date XXXX, XXXX reports date XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Date of Last Activity : TransUnion reports XXXX XXXX reported XXXX and XXXX reports no date. Please update or Delete this inaccurate information off my credit report. 

XXXX XXXX XXXX 1 ) Date Of Last Activity : TransUnion reports XXXX XXXX reports XXXX Please update or Delete this inaccurate information off my credit report. 

I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to XXXX XXXX XXXX to get a second opinion on a very specific bloodwork test for a particular virus ( HPV ). I explained the reason for my visit to the front desk -- that I was there for a very specific test as a second opinion. I had a full STD panel performed already, and it was negative -- I just needed HPV re-tested as it has a high false-positive rate. 

After my blood was drawn, the attending physician asked if I wanted just the HPV test, or a full STD panel. I again stated just the one test, and gave my reasoning as to why -- it was a second opinion, etc. For some reason, he later called me to once again confirm whether I wanted the one HPV test, or a full panel, and I explained it again. He relinquished that he remembered our conversation, and that was the end of the phone call, but it did seem odd. 

I was later sent two invoices by XXXX ; one for the HPV bloodwork, and another for the full STD panel that I had explicitly declined. I spoke with XXXX, but they insisted they could not help and that I needed to contact the physician 's office ( XXXX XXXX XXXX ). After a couple of weeks of attempting to contact the XXXX XXXX XXXX billing department, I was finally able to get through to an individual that said that they would investigate, but I never heard back and now the bill has gone to collections. 

The bill is only for {$78.00}, and I have a XXXX XXXX of XXXX and have never *not* paid a debt owed. But I used to work in medical billing and am choosing to stand on principle. This was not some ancillary charge that I did not understand or that was unavoidable -- This was bloodwork that I was specifically asked by the physician if I *wanted* to which I said *no* more than once.
Product: Credit reporting or other personal consumer reports

Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Portfolio Recov Assoc. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable XXXX, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee. 

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
Product: Credit reporting or other personal consumer reports

Transunion did not remove 2 accounts that was opened in my name as a result of identity theft ... even after proof of the identity theft was given 4 times. 

XXXX XXXX XXXX acct XXXX - XXXX XXXX adjustment bureau- XXXX XXXX These accounts are not mine never recieved services or opened these accounts. Opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. capital one account number XXXX, the FTC say the regulation is XXXX upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days
Product: Credit reporting or other personal consumer reports

I received a notification on XXXX XXXX regarding a " 90-day late payment for a student education loan. '' I opened the notification on the app and saw the following : " Climb Investco '' - last reported XX/XX/XXXX. {$3900.00} reported balance. Highest Balance is {$3700.00}. Monthly Payment is {$270.00}. Loan opened XX/XX/XXXX. Term is 15 months ( 1 year ). Payment History - " you made 63 % of payments on time ( from XX/XX/XXXXXXXX  to XX/XX/XXXX. Last payment - XX/XX/XXXX. Payment status - 60-89 days late. 

I have never heard of Climb Investco in my life. I'm not sure how my information was stolen to be utilized for a student loan. I looked through all of my credit statements regarding this and didn't find one transaction related or mentioning the word " Climb. ''
Product: Student loan

My accounts at Fedloan Servicing are paid/closed currently but the company is still making pay despite my proof. I tried contacting them to resolve the issue but they refuse to close the account.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 an 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 accounts as unverified information without providing any proof within the period allowed by law. The : following items need to investigate and correct erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX : {$61.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, yet there remain items that urgently need removal. As a victim of fraud, I hereby request again the deletion of items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX -- -- -- -- TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681s-2 filed regarding personal information with Equifax, and Equifax has failed to appropriately respond to correcting the personal information. Equifax continues reporting a non-affiliated phone number ( s ) in the Fraud Alert section of my report. Equifax has failed to update the phone number, address, and correct spelling of my name despite submitting the appropriate documentation for identification, and proof with the FTC report. The request concerning the address, phone number, Fraud Alert phone number, and Name has been filed along with a police report, and FTC Affidavit in XX/XX/year>, with the recent request going unanswered by EQUIFAX, who continues reporting inaccuracies, errors, and fraudulent information.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1800.00}. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Via Dealer, Rocket Mortg, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

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

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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit card

According to Reg Z, 1026.53 Allocation of payments, the general rule is : the card issuer must allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rate. After reviewing with servicing my last XXXX statements, it's very clear that the interest charges I've accrued have been incorrectly charged. Rather than allocating my payments to balances that are being charged my regular APR rate, they are being distributed across all of the " plan '' balances that I have. The rest of the plan balances are not being charged any interest. 

The statement is also not clear how these payments for each of my plans are being calculated. The way this is being done, it would mean that I would never pay off the balances in time.