23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I am writing this letter in response to the phone calls received at my work on ( XXXX/XXXX/16 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Experian Dispute Center po box XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian Dispute Center, I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Despite previous efforts to address these inaccuracies, they persist on my credit report, causing undue harm to my financial standing. 

The issues I am experiencing align closely with the concerns raised in the XXXX XXXX XXXX XXXX ( CFPB ) recent lawsuit against Experian, particularly regarding the failure to adequately investigate disputes and ensure the accuracy of credit report data. 

Specifically, the following items on my report are inaccurate : 1.COLLECTION MANAGEMENT XXXX In accordance with FCRA guidelines XXXX I request that you : 1.Conduct a thorough investigation of these inaccuracies.

2.Provide me with documentation from data furnishers that verifies the accuracy of the reported information.

3.Correct or delete the inaccurate information promptly if it can not be verified. 

I have enclosed copies of the following documents to support my dispute : A copy of my credit report with the disputed items highlighted. 
Relevant statements, correspondence, or other evidence supporting my claim. 


Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. I also request a written response detailing the actions taken as a result of your investigation. 

Continued failure to address and resolve these inaccuracies violates my rights under federal law. If this issue remains unresolved, I may consider further action, including filing complaints with the CFPB or pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

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

Greetings! I hope this message finds you well. I am submitting this complaint once more as a follow up to reiterate my earnest request for the XXXX, Equifax, and XXXX Credit Bureaus to take immediate action in removing and blocking the listed fraudulent inquiries from reporting in my credit file during the next update. The specific inquiries I require to be removed are as follows : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX. As FCRA Section 605B mandates credit bureaus to investigate and respond to consumer disputes within 30 days. It has now been a while now since I initiated these disputes, and this delay is unacceptable. I expect the immediate attention and resolution that this matter warrants.
Product: Credit card or prepaid card

My daughter got this card for her XXXX birthday and someone used it in California at a XXXX and a XXXX. When I called the company they wanted me to provide them with the receipt of the purchase of the card and I had explained to them that I didnt know who got my kids the card and I shouldnt have to call everyone to find out who got them the card, XXXX of my kids got one. I also provided proof that I live in Ohio and the card was being used in California. This company refused to make things right and are very rude about it. What I dont understand is if this is a gift card its a gift and I shouldnt have to ask for a receipt. I was also on hold for an hour and a half waiting for manager.
Product: Credit card or prepaid card

On XX/XX/19 I visited a massage center called XXXX XXXX XXXX XXXX GA to get health treatment service according to vendor terms and condition. Initial charge was set to {$60.00} for 1hour body massage which I initially agreed with merchant. 
During the service I was presented a bill to sign in a dark room where it was impossible to see. I sign the receipt since we already agreed upon before the service. 
I then was told that the service was over in less than 20 minute and that I should pay extra if I need more massage. 

I lady providing massage had hard time speaking English as I could not really understand much of her statement and she had to perform trip back and forth to management and returned with another bill that I ignored the charge and what it was. 

She then started to perform some unsolicited activities to my body which I did not signed off for. So I found it not appropriate and I decided to leave the premise right away. I ask to speak to management but no one wanted to speak to me. 

I then noticed in my credit card bill from Bank of America that I was charged {$65.00} plus another charge of {$150.00}. not understanding what those charges were I opened a dispute with my credit card company Bank of America and surprisingly Bank Of America poor handled my claim and never wanted to help investigate the charges. I called the merchant who never return my call back. 

I am not seating with claim that Bank of America is not willing to help and wants to me pay for the fee for services that I never received and I was charged more than what I agreed to. 
My last fleeter from bank of America was denying my right to dispute the charge and told me to directly contact the merchant. 
From my logs Bank Of America Never contacted the merchant not established some communication with me to properly handle this matter. it seems to me that Bank of America and the Merchant may have some activities that I ignore and may wan to blame me and force me to pay the fees. 

Regard,
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX still has yet to respond about correcting their errors of my credit age. Ive HAD CREDIT FOR 2 YEARS NOW
Product: Debt collection

On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from synchrony Bank in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to XXXX XXXX. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky XXXX House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Student loan

I have requested numerous time that I am having a hard time repaying my student loans. They refuse to assist me. When I make payment, the payment pends and goes directly to interest and barely nothing to the principal. I pay approx.  XXXX  a month to Navient every single month on time and hardly anything is being applied to the principal. My payment is on auto-debit to ensure the payment is made. I can not afford this payment however, I am trying my best so do not go into default. I have a sick father and children to feed.
Product: Debt collection

Another 3rd party company name EOS CCA opening date XX/XX/XXXX attempt to collect a debt for XXXX company that has been closed since XXXX with no due amount on my record. Claiming on my XXXX and XXXX  credit report that it is a new account. That is fraudulent there are no new accounts. In XX/XX/XXXX another 3rd party attempted to claim their collecting a debt for XXXX company too. It was removed due to this being a fraudulent attempt to collect for XXXX company with no proof of account. When XXXX stated for the record there in no attempt to collect anything monetary in my name nor there trying to receive {$350.00} on a past bill. There was no brought accounts in my name from XXXX company. When I contacted XXXX company there is no account on the record for any past due collections.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found multiple inaccuracies on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX  upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. Please block and remove according to 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX trafficking debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602.a states I have the right to privacy. 

15 USC 1681 section 604.a number 2 also states that a consumer reporting agency can not furnish an account without my written instructions, 15 USC 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has been updated as a charge-off every month and has been paid and settled. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : 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
Product: Credit card or prepaid card

On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Received a letter from Golden Valley lending of XXXX XXXX XXXX California stating that I had taken out a loan and that said loan was in default and that I needed to make a payment or they would turn it over to collection. They also claim that they had sent other letters to me that I ignored Letter also stated that if I didnt contact them within 30 days they would consider this loan as valid. After numerous attempts to resolve this issue without disclosing my personal information I feel I must turn to you for help. I dont feel that I should reveal my social security number to a company that Ive never heard of let alone done business with
Product: Credit reporting or other personal consumer reports

Reviewing my credit report, I identified several billing mistakes showing late payments. These errors dont match my usual payment behavior. I request a correction and an updated account record.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Regarding Unrecognized Credit Inquiries Reported by TransUnion Dear Sir/Madam , I am writing to formally file a complaint regarding several credit inquiries that have been reported on my credit file by TransUnion, which I do not recognize or authorize. Upon reviewing my credit report, I noticed the following inquiries that I do not recall authorizing or granting permission foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe these inquiries are either unauthorized or fraudulent, as I have no record or recollection of applying for credit or authorizing these companies to access my credit report. I am concerned that my personal information may have been compromised, or that there is a potential for identity theft.