23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PHOENIX FINANCIAL SERVICES Date Opened : XX/2017 Account : XXXX Amount : {$420.00} Office of the CFO, Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Please be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation : that is, competent evidence that I have some contractual obligation to pay you. Being that this was due to identity theft you are reporting negative information on my account that is not mine which is in direct violation of the FCRA section 605B. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorneys fees. Lastly, I hereby withdraw any prior consent, either expressed or implied, for you to communicate with me in any form other than writing. In the event that you can not properly validate the debt, then you are demanded to cease and desist communication in all forms regarding this matter. Any communication from you and/or any agents, subsidiaries, etc., will be regarded as willful negligence along with any other applicable violation ( s ) and prosecuted to the full extent of the law if deemed necessary. Govern yourself accordingly. Sincerely, XXXX XXXX CREDITOR DISCLOSURE STATEMENT Name and Address of Collector ( assignee ) : Name and Address of Debtor : Account Number ( s ) : What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor been made by any creditor or assignee regarding this account? Yes /no Has the purported balance of this account been used in any tax deduction claim? Yes / no Please list the particular products or services sold by the collector to the debtor and the dollar amount of each : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. X Authorized signature for Collector Date Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim can not be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
Product: Credit reporting or other personal consumer reports

Notice of Pending Litigation Seeking Relief And Monetary Damages Under FCRA Section 611 & 617 If Unverified items listed below are not deleted immediately. A copy of this letter as well as copies of two written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

1 Transunion XXXX. XXXX XXXX XXXX ( creditor XXXX XXXX XXXX  ) Derogatory marks : XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX. XXXXXXXX XXXX ( creditor XXXXXXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX  ( creditor XXXX  ) Derogatory marks : XXXX XXXX XXXX XXXXXXXX  Hard inquiries by : Transunion XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Recently, I did an investigation on my credit report and found these items to be inaccurate. I never gave consent to put these items above on my credit report you are violating 15 U.S. Code 1681B of Permissible Purpose. Please provide the following request : or must be deleted from credit report immediately. 

1. Copy of the original contract 2. Copy of payment history 3. Name and address of original creditor 4. Proof of the debt assignment Recently, I did an investigation on my credit report and found these items to be inaccurate. Please provide the following request : or must be deleted from credit report immediately.

Under 15 U.S. Code 1692g validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the accounts number, I dont recognize the account status, I dont recognize the account High balance, everything reported here does not meet the FCRA Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX the amount is {$220.00} 15 U.S. Code 6802ra Obligations with respect to disclosures of personal information with identifica a Alfinancial institution may-not disclose nonpublic personal information to a nonaffiliated third party unless.. 
Basically the financial institutions is supposed to give the consumer the option to opt out of being reported to XXXX, XXXX, and XXXX but they don't. They take your info and give it someone is which is a direct case of identity theft
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of the best of their ability with maximum accuracy. I have never been late on payments for the account # XXXX of Capital One. Please investigate and provide proof with statements showing that these payments were late if proof can't be as i was never late. Thanks.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2024, the suspects used my legal fake ID card went to XXXX XXXX TD bank branch made withdrawal and transferred, total {$59000.00} USD with XXXX transactions from my account. 

I filed the police report on XX/XX/XXXX XXXX with evident and filed the claims on the same day. 

After thousands visits to TD bank, I got back refunds $ XXXX, total {$40000.00} from TD bank. 

The balance {$19000.00}, TD bank didn't have update in XXXX days after this complaint happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled a debt with Aldous and associates on XX/XX/22 and they have not cleared the debt to the credit reporting agencies. Worse yet, they also have other collections made in my name ( no social attached btw ) that are another person not mine ( I dont even live in Utah and never have! ). When I told the associate this, she hung up on me so it remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Furnishing, XXXX and XXXX  ). The identity theft accounts are : XXXX XXXX XXXX ( 4 accounts ), XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Co, XXXX XXXX. The unknown collection accounts are : XXXX XXXX XXXX ( twice ) and XXXX XXXX XXXX XXXX XXXX XXXX WOW. These collection creditors have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Credit reporting or other personal consumer reports

Errors under 15 USC 16c-2 on my credit report are showing unauthorized inquiries. Theyre damaging my credit, so please remove them. Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to Investigate/Reinvestigate these accounts : XXXX XXXX XXXX XXXX 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a 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.1 5 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the credit bureaus and Barclays Bank of DE on numerous occasions with no success. Barclays has been reporting a balance of {$820.00} on my credit report on a charge off account that they have written off and sold to a collection agency. I have disputed the fact with them that they are reporting a balance on an account that they have sold to a collection agency and have written off. I have also tried to get this account resolved by sending them a check ( including pictures with my complaint ) the check was in the amount of {$50.00} along with a letter stating if they cashed this check this account was considered paid in full and would be removed from my credit report. I also wrote this on the check. Barclays cashed my check and updated my account by applying it to the balance therefore changing the balance on my credit report to {$770.00} which was not what the terms stated. I am asking that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts listed on my credit report. I have reason to believe that my personal information was compromised as a result of a data breach and used without my authorization to open accounts in my name. 

These accounts were not opened by me and are the result of identity theft : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) appears twice XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXXl ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX  XXXX XXXX ( Account XXXX XXXX XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) appears XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number XXXX XXXX XXXX I did not authorize or open any of these accounts. Under Section 605B of the Fair Credit Reporting Act ( F

CRA, 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking and removal of these items from my credit report, as they are the result of identity theft.

Per the FCRA, you are obligated to block this information from my file within four ( 4 ) business days after receiving this request and must notify the furnishers that the information has been identified as fraudulent. 

I am currently in the process of gathering supporting documentation and will provide it if needed to continue this investigation. In the meantime, I respectfully request a review of these accounts and a written update regarding the actions taken. 

Please let me know what additional steps are needed to complete this process.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a XXXX  I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
To date, I have not received any response from Equifax regarding the results of their investigation or any acknowledgment of my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of items in their file. By failing to respond to my dispute or conduct a reinvestigation, Equifax has violated my rights as a consumer under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same XXXX  On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the XXXX reported by Equifax is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to Equifax and XXXX, as well as XXXX ' response, for your review.
Product: Mortgage

I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX XXXX  regarding their handling of a debt they claim I owe to XXXX XXXX XXXX. Despite my previous requests for complete debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, XXXX XXXX XXXX XXXX has failed to provide adequate documentation substantiating the legitimacy and details of the debt. Furthermore, this debt has been reported to credit bureaus without validation, negatively impacting my credit report. 
Summary of My Requests and XXXX XXXX XXXX : Debt Validation Request Sent and Received : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX XXXX  via XXXX mail, which they received. Subsequently, on XX/XX/year>, I received another letter from XXXX XXXX XXXX XXXX but as of this date, they have not provided the complete validation of the debt I requested. This request, submitted within the XXXX period allowed under the FDCPA, specifically sought validation documents, including : Name and address of the original creditor ( XXXX XXXX XXXX ) , Transfer documentation verifying the ownership of the debt, Date of default and delinquency, Detailed breakdown of charges, interest, and payments, Confirmation of compliance with the statute of limitations, and Proof of their legal authority to collect in Illinois. 
Lack of Adequate Response and Documentation : As of the date of this complaint, I have not received the requested documentation to validate the legitimacy of this debt. This lack of response from Credit Control , LLC does not comply with the FDCPA requirement to cease collection until the debt is validated. 
Debt Reporting to Credit Bureaus in Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Despite not validating the debt, Credit Control , LLC has reported it to credit bureaus, damaging my credit history. Under FCRA, reporting a debt without adequate validation may constitute a violation, as it involves reporting potentially inaccurate or unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered an XXXX XXXX XXXX by XXXXXXXX XXXX  in early XXXX. 

I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. 

Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. 

But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. 

Please see the website. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXXXXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. 

Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and Equifax credit bureaus have already updated their records for this account. I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. 


XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on 03/18/2024 and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX XXXX Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Ive requested multiple times to launch an investigation and send me proof off such late payment an deletions of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent in multiple letters to equifax, XXXX, XXXX XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent account in in my name that is now reporting to my credit. The following account CREDIT COLLECTION SERV ( Account Number : XXXX ), Original Creditor : XXXX XXXX XXXXXXXX XXXX. Date Opened : XXXX XXXX. XXXX {$400.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with CREDIT COLLECTION SERV. I have attached a copy of my ID and FTC report. CEASE the reporting of this fraudulent account immediately.
Product: Credit reporting or other personal consumer reports

This is a private matter and should not be on my credit profile. This is my personal information this is not for public consumption and I have first hand knowledge that I never provided any written consent for this information to be listed. Under the Gramm Leach Biley Act, also known as 15 USC 6803, institutions are supposed to provide me with disclosures to give me an option to opt out before reporting such information. I am revoking any and all consent or implied consent to report this non public information and this must be deleted permanently from my report.