23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a dispute with XXXX and XXXX and within 30 days the account was deleted from XXXX and XXXX reported it was variafed. So I would like American Express to give me proof of there investigation results.Here is a copy of the findings so please ask American Express to show me I accepted liabilities for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several collections from US Dept of Education that are reporting inaccurately. I have contacted the US Dept of Education and they have told me to take it up to the bureaus. I have been disputing the account for some time now but nothing gets done. These accounts are all consolidated, I consolidated them a while ago. They should no longer be in collection status. Please fix as this is severely affecting me being able to move forward with my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is stating incorrectly by TransUnion and XXXX. I have disputed this account as account is reported as a charge account type with a derogatory account status collection charge off payment status with date opened as XX/XX/XXXX by TransUnion XXXX XXXX Report stayed open as XX/XX/XXXX. Date last reported is stating as XX/XX/XXXX by Trans Union while XXXX report state last reported as XX/XX/XXXX, XX/XX/XXXX. Date last active reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX. Date of last payment reports as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX, XXXX payment history is reporting payment from XX/XX/XXXX through XX/XX/XXXX as OK as agree with one charge off on XXXX XXXX if payment history is reporting consecutive OK as agree. How is it possible that just suddenly XX/XX/XXXX theres charge off? Now, there is no possible way that account can be reporting payments up to XX/XX/XXXX and have date of last payment recorded as XX/XX/XXXX with Trans Union and XX/XX/XXXX with XXXX. This is a total mistake itself dates do not make sense.
Product: Checking or savings account

I recently became aware of identity fraud committed by an individual in my family. I am unaware of which banks accounts were opened with. However I am aware that I am a victim of identity theft. I have already filed another dispute with XXXX XXXX and would like to file a dispute with XXXX XXXX XXXX XXXX and bank of America. The individual was able to use my social security to open new account in my name however I have been unable to determine which banks the accounts were opened with without the help from these institutions.
Product: Debt collection

Debt was discharged in 2009. Lender has refused to remove the discharged debt. The lender said that when I entered school it kept them from being able to discharge debt and that I would have to prove I could not pay the debt. I have called my attorney from XXXX and she said that this is not true. The lender has continued to refuse to remove debt. 

Credit companies- XXXX, XXXX, XXXX etc are allowing this to stay on my credit.
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX  Account Number : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually refuses to follow the Applicable laws put in place from the FCRA and the FCBA. I am a victim of identity theft, I have attached a FTC Identity Theft Affidavit, Which describes the crime in Detail. Experian refuses to accept the FTC Identity Theft affidavit, because they have advised that XXXX XXXX  is their " Vendor '' and that they must " Side with their Vendor '' There is a credit card account that is showing as charged off on my credit report, Which has already been reported to Experian as Identity Theft. Experian, Refuses to block this account, and say they conduct a " Investigation '' Which they don't actually conduct. The company XXXX XXXX XXXX XXXX has advised me that this credit card which was opened on XX/XX/2015. Was sent to an address of XXXX XXXX XXXX XXXX, TX XXXX. This is an address I HAVE NEVER lived at. The company closed the card and changed the card number, which then in return Experian Re added the card to my credit file. This is still identity theft. I do not know who received, and or used the card. I have reached out to XXXX XXXX XXXX many times, Their Evidence is not up to par. They state they received a receipt which the company explains I applied for the card, Yet they haven't been able to provide proof of said false accusation. I do not believe Experian is following the applicable laws to protect victims of identity theft. They sent me a letter advising me to provide a valid FTC Identity Theft Report, containing a number that is signed under perjury before they will block the account. Yet, The report I have been sending them is A VALID FTC Identity Theft Report, and IT IS signed under perjury. Again. I did not authorize this account to be open, and you continually add it to my credit file because this is your VENDOR. I do not care if this is your vendor or not, This account is illegal and reporting illegal, No card was ever received in my possession. The Card was  received, and charged from a identity thieve. I did not authorize anyone to use it, and I never even registered on their website. They advised me the email was XXXX which was found on the dark web from experian.
Product: Debt collection

Notice to all, I am that I am, the CONSUMER in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding. 

On XX/XX/2022 I received a letter from FIRST POINT COLLECTION RESOURCES INC. to acknowledge a dispute. I never gave them my written consent or permission to contact me. This is Harassment, and has left me with extreme XXXX  and XXXX. 

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Evidence and Proof shows they contacted me on XX/XX/2022. They have/retrieved/bought/stolen/were given MY PERSONAL MEDICAL INFORMATION. THIS IS A VIOLATION, and has caused me great mental suffering and XXXX. 

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

Evidence and Proof shows They have included a logo within the contents of the letter. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Evidence and Proof shows that the letter reads this is communication from a debt collector. THIS IS A VIOLATION.

Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

To say I owe a debt on my private medical information is obscene and profane language
Product: Credit reporting, credit repair services, or other personal consumer reports

During the first time applying for a mortgage with Guaranteed Rate back in XXXX of 2022  a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from Guaranteed Rate. I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from Guaranteed Rate would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from Guaranteed Rate. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXXn which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXXXXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report without delay. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$610.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$3200.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$7800.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XX/XX/XXXX - {$6300.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX XXXX {$5100.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3900.00} U S DEPT OF EDXXXX - XXXX - XX/XX/XXXX - {$3400.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was prescribed glasses and decided not get the glasses. So I never signed a contact stating that I would have to pay for the glasses once they are made, however they charge me for them anyone. Why should I pay for something that I do not have or need. Now it is on my credit report in XXXX.
Product: Debt collection

I have recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX XXXX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : $ XXXXCurrent balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$2600.00} XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible.

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information.

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Debt collection

Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act SUNRISE CREDIT SERVICE , INC - XXXX Dear SUNRISE CREDIT SERVICE , INC, I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt. 

Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 

Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 

Original Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus. 

Finally, I also request that any future communication regarding this matter be in writing and sent to my address. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.

Please let me know if you need any additional information or documentation from me.

Thank you for your time and assistance in this matter.
Product: Credit reporting or other personal consumer reports

Since XXXX  I purchased a vehicle from XXXX and XXXX is the Creditor. I have not been able to get them to respond in a timely manner. I have sent copies of my concerns and complaints to them and the have not given me a proper response. I have found discrepancies in the Bill of Sale and Retail Sales agreements. Both parties have violated my Consumer Fair Rights, my Right to Rescind, Complaint Regarding Fraud and Misrepresentation Violation, violation of FCRA 15, code 1666b, disregard necessary steps to ensure the fair treatment of consumers in accordance with FCRA guidelines and my Request for Consumer Protections and Disclosures Under the Truth in Lending Act. I have contacted the company that associated with settling out of court as stated in the contract and no response. The vehicle is non-drivable and been under repair for two years with ongoing issues.