23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX and XXXX Funding. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into certain inaccuracies I have identified in my credit report. I recently obtained a copy of my credit report from your bureau, and I believe there are several entries that do not accurately reflect my credit history. On the following Account XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you conduct a thorough investigation into these discrepancies. 

Please confirm receipt of this letter and let me know the outcome of your investigation within the timeframe allowed by law. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX
Product: Credit reporting

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Product: Credit reporting or other personal consumer reports

Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.
Product: Debt collection

I entered into a debt consolidation program in XXXX and was legally represented by XXXX XXXX of XXXX and associates in XXXX, NJ, who settled my credit card debts on my behalf. I currently am paying {$420.00} per month for the last 2 years, and for the next 2 years, to settle and repay this debt and my attorney fees. Today, XX/XX/XXXX, I woke up on a work trip across the country to my XXXX and XXXX XXXX XXXXXXXX accounts being improperly frozen and funds taken. The funds taken were as follows : XXXX  Checking : {$84.00} XXXX Savings 1 : {$250.00} XXXX Savings 2 : {$10.00} XXXX  XXXX XXXX : {$90.00} Discover is the one allegedly suing me, I reached out to my legal representation and theirs, but have not heard back from their legal team despite many efforts for the last 15 hours. 

These funds were illegally taken from me, and I was never served or notified about this lawsuit in any capacity. The address they allegedly served the papers to, XXXX XXXX XXXX XXXX, has not been my residence in over a year, despite my billing address being so, no one sends mail anymore and it honestly was something I just never changed over since I dont get any mail as I have paperless. I called and spoke with the current residence at XXXX XXXX, and no one ever received papers, either served in person or by mail, nor had a visit ever occurred to this residence in regard to the previously mentioned. Not a single soul was ever notified about this at my legal representation either. 

The papers were allegedly served in XXXX of XXXX, please look into this as I currently have {$0.00} to my name and will have to default on my rent, other bills and student loans, as well as not be able to return home from my work trip as I have no acting form of funds or payment to return back to my home state. 

You can email me at XXXX or call me at XXXX, thank you for your time and I look forward to hearing from you soon!
Product: Debt collection

I have an account on my credit report that recently appeared from I.C. System for an account with XXXX. I.C. System did not send me any documentation before they reported this account to the credit bureaus. I never received the notice stating my right to request validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a lien listed that DOES NOT BELONG TO ME. This is violating my rights please remove I have contacted the IRS there is NO LIENS against me why is your company doing this to hurt me?
Product: Debt collection

They keep calling about a debt collection, I do n't know nothing about. They call about 7 times a day and after  XXXX    XXXX   XXXX   XXXX   and using other numbers. The company name is  Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Unverified and Unauthorized Accounts Equifax Report Number : [ Your Report Number ] Dear Equifax Consumer Services, I am writing to formally dispute certain accounts listed on my Equifax credit report, which I believe to be either unverified or unauthorized. As per the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards, I request that these accounts be fully investigated, verified, and removed if they can not be verified as accurate. 

XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : Under Section 1681i of the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The accounts listed in question are unverified or appear to be unauthorized, and as such, I request a thorough investigation of these items. Failure to provide verification within the legally required XXXX timeframe should result in the removal of these accounts from my credit report. 

XXXX. XXXX XXXX XXXX XXXX : As per the XXXX XXXX guidelines, all creditors and data furnishers are required to provide accurate and complete information. If these accounts have been reported by any data furnishers who failed to meet the requirements outlined in the XXXX XXXX format, they must be removed from my credit report. 

XXXX. XXXX Accounts : It has come to my attention that certain accounts listed on my credit report were opened without my authorization. As a victim of the Equifax data breach, I am concerned that these accounts may be a result of identity theft. I am requesting that these accounts be flagged as " unauthorized '' and removed immediately in accordance with both the FCRA and the guidelines for handling identity theft. 

XXXX. Victim of Equifax Data Breach : I would also like to remind you that I am a known victim of the Equifax data breach, which exposed sensitive personal information. Given the nature of this breach, I am particularly concerned about the possibility of fraudulent accounts being opened in my name. I ask that you take extra precautions in reviewing the disputed accounts to ensure they have not been opened as a result of identity theft. 

XXXX. Request for Removal : In light of the above, I request that you immediately remove any unverified, unauthorized, and/or fraudulent accounts from my credit report. If you are unable to verify the legitimacy of these accounts within the required XXXX period, they must be removed in accordance with the FCRA. 

Please send me written confirmation of the results of your investigation and any actions taken, along with a copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please see the ATTACHED documents to assist in the blocking of the erroneous information and removing unauthorized inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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 XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX  XXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness.

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX  XXXX XXXX  thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

EXPERIAN XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

The collection agency is doing hard pulls on my credit file that are not authorized. This is in regards to an account that has already been paid for through another collections agency ( XXXX XXXX ). I have contacted the collections company and informed them that this is not a valid debt. I have asked them to remove it from my credit file. They did not. I have disputed the incorrect information on my credit file to no avail. I have the receipt from the previous debt collection agency that shows payment ( XXXX XXXX ).
Product: Debt collection

The account with GATEWAY ONE LENDING AND XXXX  Address : XXXX XXXX XXXX XXXX CA XXXX Date Listed : XX/XX/XXXX Has been resolved XXXX and I still haven't received the title for the XXXX XXXX XXXX ( XXXX XXXX ). 
XXXX XXXX XXXX disputed the matter. 
I am debt free on this account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. - XXXXXXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %. 
On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.
Product: Credit card or prepaid card

I have repeatedly to to get a statement of l of my activity from Pay Pal. 
Synchrony Bank is now the new XXXX party financial institution that handles the old Pay Pal Credit account. 

I need detailed clarity on payments made to my Pay Pal Credit account ( Synchrony XXXX of all of my activity for XXXX. I need this ASAP.
Product: Credit reporting or other personal consumer reports

Within the past few weeks, I have received notifications of a debt attempting to be collected from a company called XXXXXXXX XXXX XXXXXXXX XXXX. I have no idea who this company is. I have not communicated with this company. I have been a victim of the XXXX breach and I did place a fraud block on my credit report with all three major credit reporting agencies however, this company has still placed a collection account on my profiles and I am not associated with this company. Please remove this debt off of my credit report as I am not linked to this outstanding balance. I have experienced a lot of grief due to the XXXX breach with attempts to utilize my credit and I would like for this to be removed indefinitely. I have attempted to dispute this account however it comes back as verified, but it IS NOT MINE!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my disputes, Equifax consistently responds stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with the necessary proof of investigation. The account I reported is a collection account from a collection agency named XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

In XXXX XXXX XXXX XXXX contacted me via phone'Unknown '' solicitating what they where going to do unless or unless i take its consilidation agreement. A down payment was paid and the payments made. They are reporting i owe them money after they consolidated with me. I need their false info removed from my credit report disturbing mt rank and credit factors in case law of the IRS XXXX todate. I kept my agreement and i take its co-fact of input as its initial sales rep threats of court action or consolidate.