23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX Re : Debt Validation Assignment Contract Request for Account [ XXXX ] Dear Sir/Madam, I am writing to formally request validation of the debt referenced above, which your agency claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt you claim I owe, including documentation of your legal right to collect this debt. 

Specifically, I request the following : Proof of Assignment : A copy of the debt assignment agreement or contract between your agency and the original creditor ( or any subsequent creditor ) that authorizes you to collect on this debt. 
Proof of Ownership : Verification that your agency is legally authorized to collect on behalf of the original creditor, including any documentation proving that the original creditor assigned this debt to your agency.

Original Debt Agreement : A copy of the original signed contract or agreement between myself and the original creditor, which substantiates the debt being claimed. 
Account History : A full breakdown of the debt, including the original balance, interest, fees, and any other charges that have been added. 
Other Required Documentation : If applicable, any judgment or court order that substantiates your right to collect on this debt. 
Please note that under the Fair Debt Collection Practices Act, your agency must provide the requested validation and cease collection activity until this debt has been verified. If you can not provide proper documentation, I request that you immediately cease reporting this debt to the credit bureaus and stop all collection efforts. 

If this debt is not validated within 30 days from the date of receipt of this letter, I will consider the debt invalid and will take the necessary steps to remove any negative items from my credit report, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulators. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This property was sold and paid-off the above loan on XXXX XXXX, 2014. However, CitiMortgage is reporting the current loan status past due 120 days. I am requesting CitiMortgage send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect that loan was " Paid As Agreed ''. 
Change Account Status From : " 120 Days Past Due '' Change Account Status To : " Paid as Agreed and Closed ''
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information.

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate.

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you that I was the victim of identity theft. Per FCRA section XXXX you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX, A XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX # X XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX.
Product: Checking or savings account

REGIONS BANK : Back in XX/XX/year>, accounts were opened under my name ( however, my real middle name and last name were hyphenated ) without my consent. I only learned about this when I received mail to my home address with a debit card and information on my new account. I immediately went to a local branch and notified them that I did not open an account and they had me fill out a packet where I gave my information so they could confirm my identity and close out the fraudulent account. This also happened at 2 other banks, and after learning about the alarming identity theft I took all precautions- filing a police report, notifying credit bureaus, locking my SSN, placing an alert on XXXX, making an Identity Defense account, among many other things to make my current accounts more secure. 

This happened AGAIN in XX/XX/year> with the same exact bank that is aware of my identity theft issues. I am extremely frustrated that the proper protocol is not in place to prevent this from happening again to the same exact person. Keep in mind... the name the Identity Thief used was not even my correct name! There should be a permanent fraud alert on my SSN and all information when it comes to Regions Bank. My information has been compromised even further due to Regions bank... 

Even other banks ( such as XXXX XXXX ) declined accounts being opened because they did the proper background checking prior to approving an account. With all my precautions put into place and having this already happen at Regions Bank, there is absolutely no reason I should be having to worry about it happen at the SAME EXACT BANK.
Product: Credit reporting or other personal consumer reports

My Credit profile was part of an XXXX breach which was acknowledged by XXXX. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In XXXX  a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.
Product: Credit card

Discover Credit requested me to complete a 4506-C form in Q3. I completed the form on XX/XX/23 at XXXX. on XX/XX/23 I received an email at XXXX stating that further action is needed and that I should call Discover to resolve the issue. I called Discover on XX/XX/23 to inquire about the email I received. I asked the attendant if further action is needed to which she answered NO. During this conversation I agreed to enter a payment plan with Discover, too. 
Three weeks later, on XX/XX/23 at XXXX I receive an email stating that Discover has closed my account due to lack of verification. They have reported my balance to collections, continue to charge interest, and refuse to reopen my account. 

My account has been wrongfully closed. 

As you can see, I've contacted Discover on multiple occasions to provide the requested documentation and information, I have been told I am in good standing and do not need to take further action on a recorded line, then my account has been closed regardless of the fact. 

This will negatively impact my credit for years to come. This is unbelievably inept behavior from a company where I have been a customer for nearly 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

ALLY FINANCIAL inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Product: Debt collection

Company - XXXX XXXX XXXX Provided - XX/XX/XXXX I provided my health insurance, paid co pay and was never made of aware of any debt still owed after the service was completed until a collections agency contacted me XX/XX/XXXX in which my credit score decreased. I called and disputed the amount and the lack of statement/bill being sent to me and asked for proof of statements sent and request was not honored leaving my hands tied with a debt that could have been paid without sending to a collections agency. 
XXXX XXXX then moved the collections to AMCOL Systems a collections agency. That company was also called and informed of the dispute and was not willing to assist in the debt or lack there of any statement being sent to me to verify the debt.
Product: Debt collection

I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
Product: Checking or savings account

On Saturday XX/XX/XXXX I noticed my debit card was not working, I was expecting refunds and other transactions to hit my account via that debit card. So I called my bank immediately and was told that a new card had been sent to me by the " System '' because it decided that I needed a new " tap to pay '' debit card. I was never given notice about this, I never received an email about it, nothing. All Discover bank could do was apologize over and over again and informed me that I would need to file disputes about the issue. SO I did that. Unfortunately that is where the help stopped and the judgements, accusations, and flat out refusal to assist me with a problem they created began. The disputes dept and supervisors flat out did not believe me, told me I was lying to them, mocked me, and flat out refused to expedite the credits into my account that I should have received. I have not eaten in 2 days, I have already missed work twice, and will undoubtedly lose my job, my home, my car, and be left with nothing. I have children, I have a family and all that is going to be gone all because of the attitudes and treatment I was given by Discover Bank and their disputes dept. I am in tears as I write this, I never knew a company could mistreat a consumer in this manner. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts on my credit report, which I believe to be incorrect and have disputed numerous times without resolution. The continued presence of these accounts has caused significant hardship in my life and financial situation. 

The accounts I am disputing are : 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 I request that you investigate these accounts thoroughly. If adequate verification is not provided to support their accuracy, I demand they be removed from my credit report immediately. 

If verification of these accounts is available, please send me this documentation so I can better understand how these accounts can be considered valid. If not - delete immediately. 

Your prompt attention to this matter is appreciated, as I hope to resolve this issue quickly. Please respond within 30 days, as required by law.
Product: Debt collection

I have tried to dispute this collection requesting information from Equifax. They came back and said the information was mine however didnt provide anything! This needs to be removed or I will take further action
Product: Credit reporting or other personal consumer reports

Fraudulent credit companies pulled my credit report without my consistent as identity theft The Fair and Accurate Credit Transactions ( FACT ) Act ( PDF ) requires financial institutions with covered accounts to develop and implement a written identity theft prevention program designed to detect, prevent, and mitigate identity theft in connection with opening new accounts and operating existing accounts. These Are fraudulent accounts that keep appearing on my ( TransUnion Report ) There ARE ( XXXX ) FRAUDULENT INQUIRIES FROM COMPANIES I DID NOT GIVE PERMISSION TO PULL MY CREDIT REPORT IN NO WAY Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX  / XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  Date : XXXX/XXXX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If this is the final for my dispute with XXXX I satisfy dated below. XXXX CREDIT FILE : XXXX XXXX, 2017 Confirmation # XXXX Please inform the other credit Bereu including the personal finance and XXXX XXXX.
Product: Debt collection

This has been reporting on my credit that I owe a balance of {$5500.00}. I have received no notice as to what this balance includes what it is that I owe.
Product: Credit reporting

I have tried to get All XXXX of the credit reporting company to fix my credit. 
I get NO response. Most of report is incorrect. And some was identify theft. 

I have written letters, received all XXXX of credit reports, and sent them my new information, as well as disputed what was wrong for all XXXX. 

No one is doing anything.
Product: Prepaid card

Got this card on XX/XX/year> from XXXX and I havent been able to use the card both online and in store. Tried checking my balance and all my money was wiped off by XXXX knows. Tried getting in touch with Vanilla Gift Card and its theyre not responding.
Product: Checking or savings account

PNC account won't link to XXXX XXXX 's XXXX account so that I can pay my rent. Error message keeps coming up about connectivity issues with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified letters to Equifax, XXXX XXXX and XXXX ( original creditor ) notifying them that In accordance with 42 USC 290dd-2 ( b ) ( 1 ) ( C ) Im exercising my right to revoke my written consent signed on XX/XX/2017 for your practice to use and disclose my protected health information with any third-party. I have never made a payment to XXXX XXXX in which XXXX uses to collect debt. Ive made any and all payments directly to XXXX XXXX XXXX and will continue to do so until the debt is paid. XXXX XXXX should cease any attempt to collect debt, discard any of my protected health information that may be on file and cease all reporting to the credit reporting agencies immediately. Failure to do so is a violation and will result in me taking legal actions stated in 42 USC 1320d-5 ( c ) ( 1 ) for noncompliance due to willful neglect. As stated above, I will continue to make payments directly to XXXX XXXX XXXX until the balance is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would love this company to delete the following from my report XXXX XXXX and XXXX XXXX. These accounts are old and not mines.i cant get a bank account nor move forward with my life. I question the validating process with this company.
Product: Credit card or prepaid card

I have a credit card on my credit report that I know nothing about. It is a CITICARD CBNA credit card with a balance of {$3300.00}. 

Ive contacted Citibank about it and they can not pull up any information about a credit card with them with my social security number. 

However they said that I was added as an authorized user, but they wont tell me by who. 

I have nothing to do with this credit card and would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have a right to privacy 15 U.S.C 1681 Section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My American Express card was maxed out during my divorce. I tried to pay it down and felt that wasn't getting anywhere with the high-interest rate. I called American Express to close the account and I also asked if they had any payment plans to pay down the remaining balance and ultimately settle the debt. 

They said at the time that they do not offer any payment plans and that as long as the debt is in place, I will be charged late fees, accumulating interest, and my credit would be hit with rolling lates every month until the debt is paid. I was unable to afford the very high principal and interest payments and accumulating late fees. 

In 2022 they called me and said they now offer a solution to make the debt owed right to them. We set up an automatic payment plan of {$230.00} per month until the settlement amount of {$8500.00} is settled over the course of 36 months. I have made 12 months of continuous pavments and have been in good standing with them. Once I have made all the payments, I will have the derogatory remarks removed from my credit. 

However the issue Im having and was completely unaware of until I tried applying for a VA loan to purchase my first home is that even during the settlement agreement and making my payment of {$230.00} every month on time, my credit is still being destroyed with rolling lates and derogatory remarks. 

This is resulting in me as a U.S. XXXX XXXX Service Member unable to work with lenders and purchase a home. I dont understand how Im paying them back the money owed on the agreement they established with me and still my credit score is being hit every month with rolling lates for the past 3 years.