23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Debt collection

I closed both Continental Finance credit cards ( XXXX ) and ( XXXX  ) due to the excessive fees they charge so no further activity could occur. Due to XXXX XXXX XXXX and doctor bills related to these XXXX I am late on my payment. Day 1 they started calling multiple times at very inconvenient times, on a two hour interval. I work from XXXX - XXXX through the week and they are calling while I am at work starting at XXXX central time up to XXXX and they call one time then I turn around and another call is right after it. When I received more calls after I told XXXX in customer service do not call again as Continental Finance has called excessively per day when he called on XX/XX/2017 at XXXX or XXXX, he said he would remove my phone numbers so I wouldnt get any more calls but I have received several more. I am considering further actions with the court system concerning violation of The Fair Debt Collection Practices Act ( FDCPA ) for amount I have heard about as I have consulted a lawyer regarding this wrong practice.
Product: Debt collection

On XX/XX/scrub>XXXX XXXX  precisely XXXX I spoke with customer service representative XXXX XXXX First Progress ( Synovus Bank ) who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by First Progress even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXX XXXX  I spoke with XXXX at XXXX XXXX XXXX, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit
Product: Credit reporting or other personal consumer reports

UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX 2 ) XXXX XXXXl Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  5 ) XXXX/ XXXX XXXX XXXX 6 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Experian Reported that there is one payment that was late in XXXX XXXX, Which is incorrect and Experian closed my dispute without providing me an evidence of late payment. 

XXXX. My score was decreased by XXXX points on XX/XX/XXXX as soon as i paid off my Auto Loan and was never increased, I thought it is temporary decrease but that is not the case it was permanent damage. 

XXXX. They reduce my score yesterday by XXXX points and provided no reason why they reduced my score and did not provide the formula that they used to calculate the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Product: Vehicle loan or lease

XX/XX/18 : Saw a car listed on their website. PRICE IS CLEARLY {$8900.00}. Inquired about it and eventually applied for financing.XX/XX/18 : Received a call from XXXX informing me I had been financed. Told me the FINANCE COMPANY raised the price of the vehicle from {$8900.00} to {$11000.00}. I have another account with the company so when he mentioned the name I decided to hang up with XXXX  and give them a call. This finance company had no idea what I was talking about! Furthermore, the finance company explained to me in detail why they have nothing to do with car pricing. I immediately called XXXX back, explaining to him I knew someone was lying. He transferred me to XXXX  who made up a seemingly ridiculous story about finance companies " charging fees '' because I was a higher risk borrower. She stood by their claim that Credit Acceptance Corp ( who I have already filed a CFPB complaint against ) insisted on charging me a " fee '' of {$3000.00} in addition to requiring $ XXXX/monthly for 48 months on a ten-year-old car.

Summary : Car original price = {$8900.00}. XXXX & XXXX tell me we have a deal with Credit Acceptance Corp. CA is requiring a " fee '' of {$3000.00} immediately added to the sticker price of {$8900.00} ( which CA denies ). I am told to pay {$3000.00} fee + {$2500.00} down payment + ( {$430.00} x 48 ) = {$26000.00}!!!! Again, it has to be illegal and unconstitutional to pay over {$26000.00} for a car originally priced at {$8900.00}. All of these subprime lenders and car lots are LIARS that just want to SCAM innocent Americans, forcing desperate people into deals they know are horrible and probably illegal. They should be shut down immediately.
Product: Mortgage

My mortgage was sold and no-one ever sent us any information as to who owned our mortgage. We tried to find out who was the owner of our mortgage and we had no avail. We got a letter last year from Harmon law about being behind in our mortgage. WE finally found out the name of the bank which is XXXX XXXX. who had been mailing our mortgage statements to someone else in another state CA. We finally gave them our information and they were suppose to send a home motification package in XXXX we have not received it. Now we are listed in the paper as being forclosed on in 5 days. We have not had a letter from Harmon Law about the foreclosure date. We want a chance to catch up and save the equity in our home. Thank you for your help XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the hard inquiries that I know are inaccurate and should be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by Equifax, XXXX, and XXXX. I have been affected by multiple data breaches, including the Missouri XXXX XXXX in XXXX, XXXX XXXX on XX/XX/XXXX, Equifax in XX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : NAVY FEDERAL CR UNION Account number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

I asked XXXX to delete late payments and adverse accounts showing collection or charge offs. I did not give written consent for these adverse accounts to be reported on my credit report, further more XXXX had a security breach in which my information was impacted. My life has been negatively impacted by this as I can not get the credit that I need at this time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late/missed payments entries that are currently reported on my credit report. I kindly request that you investigate this matter and correct the inaccurate information on my credit reports. Please provide me with written confirmation of the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct. No. XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

RECENTLY LOOKING AT MY CREDIT REPORT I NOTICED. FRAUD ACCOUNT LISTED ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYER XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

My son, XXXX XXXX attended the art is to shoot of XXXX for less than XXXX year. Someone in that school submitted annual loan request on my behalf and now my Credit report shows over {$100000.00} to that school thats impossible. Someone fraudulently signed my name and completed information without my consent and now its showing up on my credit report. No one has ever returned my calls and now Im just finding out it. The school is closed.
Product: Credit reporting or other personal consumer reports

The amount on the account is incorrect {$4400.00}. My XXXX credit report was impacted by the data breach that XXXX had.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never applied nor sign any papers regarding employment with this company. This showed on my inquiry of Experian on XX/XX/2018. This is no more than fraud with out my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX  XXXX Balance {$3500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on nov. XX/XX/XXXX  my XXXX XXXX XXXX XXXX XXXX account XXXX showed 30day late-this account is on auto pay, i demand that this error be corrected because the money is taken directly out of the banking account to pay my account every month.