23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Regarding XXXX XXXX for XXXX XXXXXXXX XXXX - XXXX acct. no. XXXX. 

XXXX/Resurgent Cap., and now XXXX XXXX XXXX have continually refused to supply requested information regarding an account which has been reported as a collection with the CRAs since XX/XX/18. 
I initially spoke with a representative from this company, XXXX XXXX, and informed her that I wanted to clear up this debt, which doesnt belong to me. 
At the time I was uninformed about certain debt practices, and my rights as a consumer. 

Attempting to clear up and pay off old debts, which I am in the process of, I purchased debt monitoring via XXXX, and learned that XXXX XXXX listed this debt as a collection on XX/XX/18. 
I have disputed this debt with the CRAs since XX/XX/18, requesting they they verify and/or validate this debt. After multiple dispute letters to the CRAs, XXXX XXXX continues to update this account as valid, while refusing to provide signed contracts, or providing bills of sales totaling the staggering amount of XXXX. As XXXX is a mail order company, I would have no reason to purchase any items totalling this large amount. 

I have never requested or received a credit card from XXXX. I didnt even know they existed. 

I would like to determine if someone has used my information to purchase items using my name. But XXXX XXXX refuses to provide me or the credit bureaus any validated information. 

In the process, I received a letter from XXXX XXXX XXXX, dated XX/XX/18. But received in XX/XX/2018, who state that they are now collecting this debt for XXXX XXXX. 
I phoned XXXX XXXX. XXXX. on XX/XX/18 and spoke with a representative, XXXX, who suggested that I dispute directly with XXXX XXXX, instead of the credit bureaus. 
XXXX XXXX received the certified dispute letter on XX/XX/18. 

While patiently awaiting a response from XXXX XXXX, instead of a response to my dispute, I received an alert from my XXXX account today XX/XX/18, that a new collection for this invalidated item has now been added to my XXXX report, where it had not appeared previously. ( I initially thought that it was reported to all three bureaus ). 
Now this negative information IS reporting to all three bureaus. 

As a XXXX XXXX, Im in the rebuilding stage of credit, and this negative, unverified collection account is hindering my ability to move forward. 
I have owned and paid, and continue to pay off old, legitimate accounts to other lenders. 

I dispute this particular debt because I do not recognize it as an account opened by me. I have done everything that I know possible to request validated information of this account. This is the only account that I do not recognize or accept as mine. 

Please assist in acquiring the requested proven validation of this debt, in the form of signed contracts, bills of sales, etc. to prove beyond a doubt that this debt is mine. Or, request that this collection be deleted immediately and permanently from my credit reports. 

Thank you kindly, in advance, for your prompt assistance. 

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

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, A PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Debt collection

I received a call from ( XXXX ) XXXX on XX/XX/scrub>XXXX XXXX XXXX. I went to check my credit on each credit bureaus ( XXXX and XXXX ) and noticed that a collections was reported to my credit report from a company called LVNV Funding, LLC. I sent a letter to this company requiring validation in writing of said debt and a response within 30 days. LVNV Funding, LLC haws not provided proof that this account is my through verification of my full, complete social security number, a copy of the original contract that bears the signature of the alleged debtor wherein agreed to pay the original creditor, a copy of any payment history of said owned account or proof of collection authorization, the obligation between the company LVNV Financial, LLC and me that allows them to collect on the alleged debt and my transactions that binds me to an agreement to pay the accused debt to this company that they claim I owe, letter of sales or assignments from the original creditor to the company and any proof of photo I.D . ( Driver 's license, State I.D . or other government identification ) presented at the time of this incurring debt. No response was received in writing or any other communication after the 30 days after I contacted the company to validate claims to collect debt at one of three mailing addresses listed as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. According to FDCPA Sec. 809 ( B ) a company is not allowed to pursue a collection activity until this debt is validated. I have asked LVNV Funding, LLC to remove this collection immediately from all Credit Reporting Bureaus if they failed to respond in writing within 30 days of the date of my letter.
Product: Debt collection

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as ofXX/XX/2006. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!
Product: Student loan

XX/XX/XXXX - Loan was disbursed by Sallie Mae {$23000.00} Making regular monthly payments of {$130.00} XXXX - Started having a stretch of late payments as personal finances struggled was suggested a forbearance by the representative. 
End of XXXX - Started having late payments again and took a forbearance due to a divorce I was going through after the representative suggested it. I moved into an apartment in spring of XXXX. In spring of XXXX my lease was up so I moved into a cheaper unit in the same complex. XXXX XXXX was sending me letters to either end the forbearance or continue it but these were going to my old mailbox. I wasn't aware of this until my wage was garnished. At that point, the loan was over XXXX XXXX XXXX and I had paid almost {$16000.00} on it leaving over {$8000.00} on the balance. The XXXX  XXXX XXXX then worked with me to rehab my loan which was then over {$16000.00} because of penalties, fees and interest! They said if I made my monthly payments for 12 months in a row it would go back to it's normal balance. 
As soon as my 12 months were up, they " sold '' it to Navient with the penalties, fees and interest for a total of {$15000.00}. When I said what they promised me the representative was smug and said that has nothing to do with them! 

At the time it was very disheartening to think I have about {$8000.00} left to pay to only learn I really have double that! As a single father it was tough to take in. It wasn't until a few years later that I learned I wasn't the only one they did this type of thing to, when I learned of the massive lawsuit. 

I have included some personal documents from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am not requesting verification of my mailing address but proper validation of the debt. Coast Professional , Inc. is required to provide the original wet-ink contract bearing my signature, confirming my agreement to pay for the goods or services in question. Without this validation, Coast Professional , Inc. has no legal standing to collect this debt, and any attempts to do so are a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I direct your attention to the Federal Trade Commission 's ( FTC ) opinion letter, which further clarifies that mere itemized statements or printouts do not satisfy the requirements for validation. If such documents are provided, they will be rejected as insufficient validation. Coast Professional , Inc. must cease all collection efforts until proper validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account reporting on my credit profiles by two separate collectors. A clear violation of the FCRA. Chrysler Capital has reported the debt then sold the debt to XXXX XXXX. And they are both now reporting the debt. Which is violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX I.C. SYSTEM, INC on XXXX, has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the right to privacey.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Portfolio Recovery has repeatedly called and sent letters to collect on a debt. The debt is over 7 years old and does not show on my credit report. I have asked for the company to annotate in their system that I will not be paying and to stop calling me. I receive 5-8 calls a day from them. I have no intention of paying the debt and just want them to stop contacting me.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Reinstatement of XXXX Credit Card on My Credit Report Dear TransUnion, I am writing to formally dispute the reinstatement of a XXXX credit card account on my credit report. This account was previously removed due to an identity theft claim, yet it has been reinstated without my knowledge or consent. This action constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As stipulated in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA : A consumer reporting agency must notify the consumer before reinserting any previously deleted information due to a dispute. 
The notification must be provided in writing no later than five business days after reinserting the information.

To date, I have not received any notification regarding this reinstatement, which directly violates the above requirement. Additionally, under the FCRA, if a consumer reporting agency fails to comply with these notification obligations, the disputed information must be permanently deleted from the consumers credit report. 

I am requesting that TransUnion immediately delete the XXXX credit card account from my credit report as mandated by law. Please provide written confirmation of this deletion within 30 days of receipt of this letter. 



I trust that TransUnion will rectify this matter promptly in compliance with federal law.
Product: Credit reporting or other personal consumer reports

Information showing on my Consumer Report is incorrect, I do not have an account with these companies, Kik Off Lending and XXXX XXXX, they are sharing my unauthorized information to a Consumer Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ). 15 USC 1681 ( b ) - Permissible Purpose of Consumer Reports- Any Consumer Reporting Agencies my furnish information under the following circumstances and no other : ( 2 ) in accordance with written instruction of the consumer to whom it relates. I do not have accounts with these companies, nor did I give written consent for my information to be shared with Consumer Reporting Agencies. This is causing harm to my livelihood and damaging my credit worthiness This is a violation of my rights, I have a right to my privacy
Product: Credit reporting or other personal consumer reports

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, Experian XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX  BALANCE {$65.00} XXXX XXXXXXXX BALANCE {$8600.00} XXXX XXXXXXXX XX/XX/year>
Product: Mortgage

willful fraud & material misrepresentation by contract applying earnest money on a   XXXX    down VA loan that renders contract void due to the fact VA wil l not guar  anty the loan do to this violation of basic elements of a VA -Guaranteed Loan / this practice is a violation of basic elements of a VA -Guaranteed Loan along with fal se dating on page  XXXX  of  XXXX  of the Residential Real Estate Contract Page  XXXX  of  XXXX  and  XXXX   XXXX  hold the violation of down payment on a VA  XXXX  down loan. Purchase price & lender price are the same at  XXXX  down VA. BROKER AGENT RENDERED CONTRACT TO BE VOID OF VA GUARANTE DO TO HER VIOLATION KNOWING OR SHOUD OF KNOWN RULLS OF A VA LOAN.
Product: Debt collection

I am my wife 's caregiver. My wife is the victim of this harassment. This collection agency listed as a law firm, but really just a collection company affiliated with another who buys write-offs for pennies on the dollar and makes money from unfortunate consumers who experience hard times. They sent a threatening letter to my wife.
Product: Vehicle loan or lease

Last XX/XX/XXXX I discovered that my XXXX XXXX odometer had been rolled back by XXXX Dealer in  my town. I had very serious engine problems had asked Wells Fargo to put a payment to end of loan in XX/XX/XXXX. It's been horrible financial strain Wells Fargo charged off the Truck in XX/XX/XXXX has refused to pick it up out of my driveway where it died in XXXX. I can not get anyone to come get it because I don't own the truck. I have made so many complaints to the AG of Ma, to CFPB, XXXX, XXXX, National Odometer Fraud. I have sent emails to Wells Fargo, Called every single day from XX/XX/XXXX to end of XX/XX/XXXX. I finally had to file chapter XXXX in XXXX because this hurt my credit so badly that I was unable to get a loan modification on my home. Wells Fargo had the nerve to submit a request for payment to the Chap XXXX court? I want this truck out of my driveway XXXX can't tow it, XXXX can't tow it I have been unable to get the snowblower out of my garage all winter and now I can not mow my lawn. I have XXXX XXXX XXXX so bad at night for the past year that I XXXX several of them and they were XXXX XXXX. I have had to pay so much money to have replacements put in my XXXX and the Doctors have never seen XXXX so bad. I just recently called the BK department end of XXXX demanding that they sent surrender papers to my chap XXXX attorney which as of today XX/XX/XXXX they still have not done. I have called and spoke to WFs 3 different times since first week of XXXX and they record all calls so I know the over 125 call I have counted since XX/XX/XXXX can be verified. I need the Truck picked up by Wells Fargo immediately.
Product: Debt collection

I checked my credit report and saw an account from DNF Associates for XXXX XXXX. Theres no debt reported. Never received any notice of a debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX XXXX XXXX These accounts are to report, why would they remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$120.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX : {$1900.00}
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have had over {$1000.00} In overdraft fees and extended overdraft fees since XX/XX/2018. PNC says they can't refund any of the fees because they have already refunded some in the past. My account is currently over {$800.00} negative because they allow these fees to continue and allow my account to get more and more negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment for credit card was sent but account was reported as delinquent to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch