23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified account from the XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began. 
6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request that the XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I got in contact with Credit Consulting Services , Inc. collection agency, I told them I want to pay my debts regarding to hospital bills, but at the time I ask for the letter agreement they denied to provide because they said they don't do that, when they provide to me the amount of the full payoff I notice they charge interest ad very high which I do not remember sign any contract saying I will pay for interest in case I can't pay at that time. The first 2 persons I talk to from the agency collection argue different excuse and make pressure on me to obligate me to pay the amount they said, explain to me I not allowed to pay the accounts I want and telling me if I want to pay should be as a package bundle, all amounts at once. The only account beg to them for detailed explanation is that one from republic services which after 3 weeks I didn't receive any notice. All this happen at the last day of mach 2021, I went to their office to talk with the person in charge of that office, in our conversation she said charging little bit less than 10 % in interest I respond to her isn't true is almost the 20 % and she quote " you know have until XX/XX/XXXX to pay the amount we said. and get away with out answer my other concerns. In the different conversation I have with different persons in there include the in charge of my account named XXXX its being many lies and different answers to my questions from every single of them, although I told them I consult the government website regarding my rights as debtor, they try to rip me off charging interest to debts which they shouldn't. The only ting I want to pay the debts. other thing they have being doing is reporting false information to companies as XXXX XXXX  showing inflating amounts of those debs. Last year my wife did partial payments to tis office which the share very high interest and they did not clarify to me. The last thing I request to them is copy of the paper I sign and they respond they not going to do it.
Product: Debt collection

Dear Manager ; This is my 3rd or 4th letters that Im sending to your company regarding your violations of the FDCPA for not properly validating the debt that you claimed I owe you. Your continued reporting of this debt onto my credit report shows your willful violations of law because of your lack of validation and verification. Because of this, I will file complaints with the XXXX, The Consumer Financial Protection Bureau, Attorney General, FTC, and/or any other regulators thats willing to help me.

Again, this is a violation of the FDCPA 807 [ 15 USC 1962e ], therefore, if you can not validate the deb to its entirety, you must request that all credit reporting agencies delete the entry immediately. 

As of the date of this letter, if the negative account listed above is not removed from my credit report within 15 days, I will be escalating this matter and file more complaints as necessary to the regulators as mentioned above. 

Please be advice that Im keeping a close record of every move your company takes. Simply sending me bunch of statements is not a true testament or validation of this debt according to the provisions of FDCPA.
Product: Debt collection

XXXX XXXX sold the fraudulant debt to a law firm that has been harassing me and the so called evidence is inaccurate and they have been trying to expedite the motion XXXX of entering default judgement and I have been talking with representatives of the the firm who have been telling me I had no choice but to pay them {$2000.00} and {$2500.00} in lawyer fees. Plus they have been sending tons of letters and paperwork trying to scare me in to thinking they will are trying to seed this case up without my ability to respond or request a proper due process. The information they have on file is so inaccurate and no proof of claim. I sent a letter requesting the original contract, because this false contract they have recorded in the motion shows no proof of signatures, the interest rate is criminal which shows they were trying to charge me {$19000.00} for a {$15000.00} car. They were sued by the New York Attorney General XXXX XXXX for this very criminal action, and her office sent me a copy of all the filings recorded with the CFPB. Plus they claimed I missed two payment that was over three years old and if that was the case they never notified me of the issue. I was told that I had to do autopay of which XXXX XXXX XXXX debited all my payments each month for over four years from my checking account. The reason why I know they are fraudulant. The proof on my end is that I XXXX XXXX XXXX XXXX at work and had to file a hardship that I law firm help me reduce the debt I was in and all the account that I was having issues with or needed to negotiate the firm did a thorough check on my report and accounts that I would not be able to maintain. They did not see I had an issue with XXXX XXXX and yet I call XXXX XXXX  over three years after I did that they all of a sudden tell me I owed {$9000.00} in payments in the principle of the loan. I ask them for proof and they never sent the information I requested. I filed a complaint with the AG Office in NJ and they repossessed my car when the AG office contacted them. They they were harassing me and made threats. It was funny how they were a loan company and collection agency all in one. These people have been such monsters and are using the court to protect their actions. They last representative spoke to at the Law firm told me I don't have any rights if you don't pay your bills. I told them not to contact me again and they have been sending letters and these massive envelops with threat papers showing they are trying to make look like I am being delincquent for a debt that is not accurate and doesn't show the right information that will show they are the bad actors and stole over {$16000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Scratchpay uses XXXX to approve loans in my case for veterinary services. 

Scratchpay approved a 2 loans, one for {$200.00} and one for {$60.00}, for my pet XXXX and also withdrew a {$40.00} deposit and a {$12.00} deposit from my bank account. 

I received an email of Adverse Action based on XXXX - too many delinquent accounts - I have a 100 % stellar record with no delinquency and other misinformation on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not see my updated credit report, only shows credit report as of XX/XX/23. Beleive my profile is split, and data needs to be removed in order for actual real time scores to be seen. Can not get approved for loans either as the company can not pull my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$490.00}, {$6600.00}, {$14000.00}, {$290.00}, {$65000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$490.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$65000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX
Product: Credit card

15 USC 1692c specifies that a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes the debt collector to cease further communication, the debt collector shall not communicate further with the consumer with respect to such debt.

Also, according to law 15 USC 1692c my rights have been violated in lawful communications please remove this account off of my credit report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, IT IS REQUEST THE METHOD USED TO VALIDATE THESE ACCOUNT, WHICH IS MY RIGHT PURSUANT TO 15 USC 1681i ( 7 ). I UNDERSTAND THESE ACCOUNTS INCLUDE STUDENT LOANS, PURSUANT TO 15 USC 1681B ( A ) ( 2 ), I DID PROVIDE YOU PRIOR CONSENT NOR IS THERE ANY PERMISSIBLE PURPOSE TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT. THIS IS A VIOLATION OF MY CONSUMER RIGHTS LEAVING YOU LIABLE CIVILLY/CRIMINALLY PURSUANT TO 15 USC 1611 AND 15 USC 1640. I ALSO UNDERSTAND THAT THERE ARE ACCOUNTS SHARED FROM MEDICAL PROVIDERS. PURSUANT TO 15 USC 1681A ( 3 ) ( A ) ( B ) ( C ), THE SHARING OF MEDICAL INFORMATION AND PAYMENT TRANSACTIONS FOR MEDICAL SERVICES ARE A VIOLATION OF MY CONSUMER RIGHTS.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent copy of documents via tracking and promised to receive by XXXX in 7 working days It is XX/XX/XXXX and XXXX has NOT received envelop I will send again via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The data for this account " TRANSWORLD ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX 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 am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit. 
The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, Midland Credit Management reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that Midland Credit Management sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would Midland Credit Management proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from t

he two other major credit bureaus already. With all of that in min
d, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 





This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 



ACCOUNT NAME & DATE OPENED 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 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 XXXXXXXX These accounts have resulted in more than XXXX fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was working at XXXXXXXX XXXX XXXX  and went on a company business trip to XXXX Georgia. I was a required to take a covid test and visited the XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX Georgia. XXXX XXXX XXXXXXXX XXXX XXXXXXXX was suppose to charge my company for the bill but shortly after this I was no longer with the company. XXXX XXXX XXXXXXXX XXXX  charged me instead and I have no messages from them regarding this bill and then they sent it to collections this year. I had no idea this happened until I recently checked my credit report. This is not right that they did this to me when 1. They were suppose to charge my company for the bill and 2. no once have they told me there was a bill due prior to my bill getting sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX  XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Checking or savings account

On XX/XX/year>, I applied for a U.S. Bank Payment Solutions Merchant Account using a link that offered a {$500.00} bonus upon settling at least {$50.00} of payment activity within 60 days of account opening. The bonus was to be paid out by the XX/XX/year> billing cycle. I successfully met this requirement ( I satisfied the requirement by XX/XX/year> ) but never received the bonus payout. 

After contacting U.S. Bank, XXXX ( U.S. Bank 's payment processing team ), as well as XXXX XXXX ( the U.S. Bank employee that opened my account for me ), I was told I would hear back regarding this issue within 7 days. Instead of hearing back from anybody, I instead received an email notifying that account had been closed. 

The bonus never paid out, and thus, I would like to finally receive the {$500.00} bonus owed to me.
Product: Debt collection

Cavalry is a Debt Collector. I never did business with this company. This is an identity theft case.