23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly as payments that had previously been qualifying have been removed. When I contacted the agent they told me that it was because one of the signatures was not a " wet '' signature, however, this is inaccurate as both signatures were acceptable signature formats according to the Department of Education 's website. I believe I should have 68 qualifying payments but I am only receiving 11 qualifying payments.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXXXXXX XXXX nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file. Yey Equifax could NOT have investigated, the disputes were submitted the same day for all 3 reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a glitch in credit inquiries. I had inquires removed and then they were re-added back to my credit report. The glitch is  TransUnions problem not mine. I also was never notified with written notification in 5 days which is my legal right before re-adding the inquiries that were already deleted. This has caused a hardship for me because I am unable to obtain any credit due the many inquires. See attac hed pic for all inquiries. I contacted TransUnion in good faith to ask them to delete the inquires they had illegally re-added. Can you assist me in TransUnion victimizing me.
Product: Credit card or prepaid card

I am disputing a charge of {$1700.00} to XXXX XXXX Co. They never did the work that they were paid for. I had to have the fence installed by another co, XXXX XXXX XXXX Co. 
I have finally received a refund receipt in the mail, yet I sent it to Capital One and they still have not given me the credit that I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which has caused confusion, stress and the misuse of my credit file, finding multiple inaccurate, unverified and questionable items that the bureaus show not to have 100 % correct. 

Account Name : XXXX XXXX Account Number : XXXX The first inaccuracy I noticed, when I went into my local XXXX XXXX branch located in XXXX XXXX, I was given the paid off balance receipt of {$1400.00} due to making the first initial payment. However, the reporting balance amount on my credit report shows to be {$1500.00}, whereas the starting balance before my first payment was made of the loan was {$1500.00}? Are collection companies supposed to tack on additional fees? 

The second inaccuracy, when I pulled together my Experian, XXXX and my Fico regarding the XXXX XXXX account, I quickly noticed different months of receiving payment. Isnt my personal credit file that verily impacts my life, supposed to show accurate information? I have felt unheard and overwhelmed with credit bureaus not making sure everything is verified correctly before throwing any collections onto my credit file. The decisions of the credit bureaus, takes a huge impact on my financial future, therefore needing to make sure collections are verified and correct with everyone involved. Please take care of this matter promptly with a deletion due to inaccuracy and incorrect information that violates the FCRA law. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, XXXX, Transunion ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avante is reporting a medical debt as of XX/XX/2021. I have not resided in Florida for over XXXX years. So this is not my debt or Avante is in violation of the FCRA posting an old debt as new.
Product: Credit reporting or other personal consumer reports

XXXX, as servicer for the Department of Education negligently and recklessly continue to violate my rights per the XXXX Privacy Act and 15 USC 1681b, which states in part that " written consent '' must be provided by the consumer for information to be reported on the credit report. Additionally, my credit report is " frozen '' and has been in such status since XXXX, across the following credit reporting agencies specifically on Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Thus, no additional information should be reported on my credit report, nor student loan information should be reporting on my credit reports without my expressed written instructions or consent. I have the right to be forgotten under California Consumer law and under Federal precedent of the right to erasure. This is the fourth complaint that I have lodged regarding this issue and similar issues.
Product: Debt collection

Amsher collections has an account on my name for XXXX for XXXX. But I have a confirmation number for my final bill with that exact amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the claim submitted on XX/XX/2022 experian did not have permission to buy, or purchase consumer report, sell or alter the social security number for profit. Theres no contract which proves any debt is owed which involves the furnisher which constitutes the employees of experian did not investigate the matters. No debt can be validated pursuant to 15 usc 1692g otherwise produce the contract. XXXX XXXX XXXX admitted experian, XXXX XXXX and XXXX XXXX have violated credit reporting rules. Theres no debt because theres no money. The financial institutions are running a racketeering and money laundering scheme for profit by altering and selling social security number and monetizing off the birth certificates which are all security instruments. If this is denied than proof must be provided!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORtT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from 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
Product: Bank account or service

the bank is freezing my account with {$45000.00} and not giving me any explanation to the reasons why.
Product: Vehicle loan or lease

Payments were made. But were less company agreed to. Let excess charges build up.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

Account: XXXX XXXX XXXX DISPUTED 10/10/XXXX  Dispute XXXX XXXX XXXX 04/11/XXXX
Dispute XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove the fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX
Product: Debt collection

Hello Sequium Asset Solutions , LLC : Happy New Year! Im confused XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth dispute regarding the same accounts that has been affecting my credit and holding up the process of purchasing a house. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX  # XXXX, POSSIBLE FINANCIAL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the ticket I issues in on XX/XX/XXXX to update my payment method. I received a response tht my ticket was escalated. The next day my ticket was closed. I messaged the supervisor XXXX who advised me tht she would be taking the issue to the manager over customer care XXXX. I have yet to hear anything bn in regards to my ticket request for an update. My app doesnt even show where my account is at and when I call I either get hung up on, hold for almost an hr, and the form online continues to resolve my tickets when they are not even resolved. I was just hit with 51 points dropped on my credit due to MoneyLions lack of communication. This is no where my fault and I demand tht this be deleted off my credit. I did my part to request my payment to be updated but no one was ever able to assist me. Ridiculous.XXXX is my other ticket number where I had no help
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the inclusion of an erroneous accounts XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  my credit reports, which is currently in litigation due to these accounts being an unfortunate conclusion of human trafficking Despite my multiple requests and submission of supporting documentation, these accounts are not belonging to me the inaccurate information has not been rectified. I have diligently asked the credit reporting agency to remove this inaccurate account on multiple occasions without success. I now invoke the estoppel by silence method, a legal doctrine which posits that silence in the face of a duty to speak may give rise to an estoppela legal bar that precludes any entity from asserting facts that are inconsistent with their failure to correct this inaccuracy. By neglecting to remove the accouns the responsible party is effectively complicit in perpetuating false information on my credit reports. I kindly request your intervention to ensure that the appropriate entity adheres to its obligation to accurately report information. The continued presence of this account not only harms my creditworthiness but also violates the principles of fair and accurate reporting mandated by the Fair Credit Reporting Act ( FCRA ). I trust that, through your oversight, the responsible entity will promptly remove the inaccurate information from my credit reports, rectifying the harm caused to my credit standing. Thank you for your attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I have been managing PayPal credit for XXXX plus years with excellent payment history, I started with a XXXX dollars credit limit, after few months they increased XXXX. However last month they decided to reduced as XXXX dollars only arguing that according to XXXX my XXXX XXXX was decreased which is a completely lie, now more than ever I have the best XXXX XXXX and pretty decent credit reports, simply does not make sense why they are reducing my credit limit which is actually impacting my XXXX XXXX due to line of credits usage. I believe since I never pay extra fees or interest, XXXX doesn't want to have those kind of customers, they need people to pay interest and fees.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXX XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Payday loan, title loan, or personal loan

I had a XXXX 20 months ago and I received a care credit card to help me pay off the XXXX monthly. It was {$3300.00} originally, and I was told to pay the minimum payments each month to pay the balance off within 18 months. At some point, they changed my minimum payments from {$180.00} to {$100.00} which I continued to pay the minimum. I also moved apartments so my statements were sent to my old address. After 18 months, my account balance went back up to {$3100.00}. I called and they told me that since I did not call about the address change, then it's too bad and they can't do anything. They changed my minimum balance and now I am stuck with the original balance that continues to increase each month and I have no way of paying it off.