23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Heres a draft for a debt collection dispute and deletion request letter using the laws you mentioned : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Formal Dispute and Request for Deletion of Alleged Debt Dear I am writing to dispute the alleged debt reported by your agency to the credit reporting agencies and to formally request its removal under applicable federal laws. This debt is either inaccurate, unverifiable, or otherwise improperly reported. 

Applicable Laws Supporting My Request : 1. 12 CFR 1006.34 ( c ) : Requires clear and accurate validation of the debt when requested.

2. 12 CFR 1006.6 ( c ) : Mandates cessation of collection efforts when the consumer disputes the debt and until proper validation is provided.

3. 15 U.S.C. 1681e ( b ) : Imposes an obligation to ensure the accuracy of information being reported to credit bureaus.

4. 15 U.S.C. 1681s-2 ( a ) : Prohibits the furnishing of information to credit reporting agencies if the information is known to be inaccurate or can not be verified.

My Demands : 1. Cease all collection activities and remove the disputed debt from all credit reporting agencies until its validity is confirmed.

2. Provide me with full documentation validating the debt, including the original creditors name, account details, and proof of my responsibility for the debt.

3. If you can not validate this debt, immediately remove it from my credit file and cease all collection attempts as required by federal law.

I am requesting strict adherence to the laws listed above. Reporting inaccurate or unverifiable information to credit reporting agencies constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

If this matter is not resolved promptly, I will escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate regulatory bodies.

Please consider this a written request for verification and deletion and respond within 30 days, as required under federal law. I expect a written acknowledgment of receipt of this dispute and a detailed explanation of the actions you intend to take.

Thank you for your immediate attention to this matter. You may contact me via mail at the address above or by phone at ( XXXX ) XXXX for further clarification. 

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

As I stated earlier Macy 's is lying about sending me mail to notify my of late fees. While my address was new and the new address was not on file my old address did have a forwarding address where mail could be sent to. I did in fact get one mail to that address on the month of XXXX. That mail was notifying me of the account closure. Prior to that I never received mail in XXXX, XXXX nor XXXX notifying me of any late payments. After trying to pay over the phone the agent hung up on me after an hour long hold before I could pay off the card. So the following week I went into the store to try and pay off the card and make another purchase. I was under the impression that the card had already been paid off. Macy 's deliberately withheld statements from me notifying me of late payments and did not allow me to pay on time. This is a billing dispute and bank error despite what Macy 's credit card wants to believe. According to https : XXXX XXXX  " Types of Billing Errors '' the company failed to mail you a periodic statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts .
Product: Checking or savings account

This happened between XXXX through XXXX Wells Fargo charged me around {$500.00} in fees by withholding the deposits not informing me that the funds wouldn't be available. And also their ATMs cut two or three checks in half that were returned and I've had other check cashing issues I finally just closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. i was not employed then, nor am I currently. I was unable to pay the bill, it was sent to ( ex ) husband, who said he paid, yet did not. I was unfairly sent to collection. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed dispute with Experian in writing that account in my file name XXXX XXXX XXXX did not provide contract with my authentic signature. Advised Experian to provide XXXX XXXX XXXX contract with my authentic signature. Never heard from Experian. I do not want this account verified. I want the signed contract with my authentic signature.
Product: Bank account or service

SUMMARY : TCF intently setup a system to rip-off customers by delaying and manipulating the posting of transactions as a strategy to unfairly deceive for financial gains. 
XXXX TCF intently set up a system to rip off customers by delaying and manipulating the posting of transactions as a strategy to to find opportunistic time to charge unauthorized fees. I have called to complain to TCF on each of the different fee charges below and request that the fees get reversed, but they simply refuse to listen. I do n't understand how such a practice can be legal. Here are the fees charged and the dates they where charged on the accounts end in XXXX & a recently closed account. 

Acct -- -- -Dates XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX funny thing is, for many of the transactions that resulted in those fees, right before issuing the transaction, I would check my bank account, see that there 's enough fund to cover the transactions, only to find the next day that TCF had something else under their sleeves. In most cases, TCF would claim that yes you did have enough fund in your account at the time, but your deposited checks did n't clear in time to cover the currently issued transactions and those " delayed '' transaction that never did show up in the first place. They pick and choose, when or what time to post transactions as a " delaying strategy '' to intently charge unwarranted fees. That 's a clear definition of Unfair and Deceptive Practice. Especially that when all these fees are being accessed, at least XXXX of the accounts ( checking or savings ) always has enough fund to cover for any transactions that may have been issued by me ; but TCF asks for fees every time they would be put in place to process a transfer from your own account to cover a transaction from one account to another.
Product: Credit reporting or other personal consumer reports

I requested LCI to not share my personal infomration via their wesbite at https : //www.listconnection.net/do-not-share-my-personal-info/ and this failed ten times whlie in the submital process.
Product: Credit reporting or other personal consumer reports

I came across the CFPB experian lawsuit I feel i was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the account were " verified '' but i dont seeany details about your investigation. 
Do you want to be fined too?
Product: Checking or savings account

I was in XXXX XXXX XXXX XX/XX/2019 for vacation. I used my debit card to pay for a car rental from XXXX XXXX car rental service. A month later, on XX/XX/XXXX, this company charged me {$1700.00} with no explanation. I did not authorize this charge. I filed a dispute with my bank the next day, which my bank said they will investigate. They denied my dispute. I did not authorize this charge, nor do I know what this charge is for. This company charged me weeks after I already left XXXX with no notice or explanation.
Product: Student loan

My bank account was drafted by a third party loan forgiveness servicer and I was led to believe this was the US Department of Federal Student Loan Forgiveness. However, I received a call from the US Federal Student Loan Forgiveness program they informed me that I have been paying a 3rd party fraudulent loan forgiveness and they have deducted from my account since XX/XX/XXXX and  none of my loans were paid toward the actual loans held by the US Department of Federal Student Loan provider. The fraud providers company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. I  have reached out to my bank to stop future payments to XXXX XXXX XXXX. Now I have to move quickly so I don't get removed from the loan forgiveness program with the US Federal Student Loans. I am not sure if the will return my money but i have lost {$49.00} a month since XX/XX/XXXX or XX/XX/XXXX. Please stop these companies from taking advantage of hard-working people trying to pay off their student loan debt. I am grateful for my education and i work at a XXXX here in XXXX. Please help - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection.
Product: Debt collection

This letter shall sever as my formal and last notice of my intention to file suit against your organization in small claims court on due to your blatant disregard of the law, by reporting inaccurate information on my credit file. In 2017 " XXXX '' one of the 3 major Credit reporting agenices leaked the data of XXXX XXXX Americans, including myself. As a result of this breach, I have become a victim of identity theft, leaving my credit file tarnshed and my overall credit score destroyed.The data breach exposed ( My Name, Birth Date, Address, Phone Number, Social Security, as well as my Drivers Licenses number ) .This negligent on " XXXX XXXX part, will leave my personal information permanently available for access at any time. I will forever have to look over my shoulder, check my credit score for accuracies, and fear of someone using my personal information, this has caused me a lot of mental and emotional stress, knowing that my peronal information is in the hands of " The XXXX XXXX Hacker ''. Your company is in direct violation of the Fair Credit Reporting Act, due to the " XXXX XXXX Security Breach ''. I am demanding the incorrect information reported as aresult of this breach be removed upon receiving this letter.
Product: Credit reporting or other personal consumer reports

Received an updated copy of my Experian consumer report. After reviewing some information on my XXXX XXXX account I noticed incomplete, inaccurate and unverifiable information.
Product: Credit reporting or other personal consumer reports

Validation of debt sent XX/XX/XXXX XXXX package sent on XX/XX/XXXX Received a message that Experian received something that was not from me, when my address was clearly printed on the documentation along with proof of my identity. These inaccurate accounts that have not been validated and are affecting my reputation and credit. I requested documentation with my wet ink signature which none of the companies have been able to produce. I also did not give my consent to have this inaccurate information posted to my account.
Product: Credit card

XXXX Threads : XXXXardholder 's frustrations with Capital One. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is Capital One customer service no longer based in the United States? 
Discussion / Conversation I had a problem with my quicksilver and I needed to call about three times, they were able to solve my problem but it was a little complicated because all the people were XXXX with a very thick accent, I remember when I used to call c1 and always have someone from the US I guess that's a thing of the past now. 

Most of the responses to this thread claim the reason for this is Greed. I looked at some of the Job Descriptions on the Capital One XXXX Online site and it looks like they only require a high school graduation. On some sites, there is an insinuation that the quality of customer service is the same for Capital One Cardholders even though the company saves money. I have to say that many Cardholders completely disagree with that. The representatives I get do not speak English well enough for people to actually understand what they're saying. Now I can definitely understand when they make threats though. 

The issue has nothing to do with the culture of people, more so than the level of training these individuals receive. If the company only feels they need a high school education, then how can one honestly claim that is the same service as representatives whose positions required a college education? My belief also is that Capital One is being extremely reckless by allowing personal information to be accessible outside of the country of origin of the Bank. Any of this information can leak from one of those call centers that Capital One so carelessly chooses to partner with just because some executives want to get that extra bonus.
Product: Credit reporting

There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing this just to be on record. I recently switched from XXXX to XXXX XXXX XXXX. The reason was that XXXX coverage in my home office became very weak resulting in dropped calls and missed calls. After XXXX tech support failed to improve my signal, I indicated to them that I will switch to XXXX XXXX XXXX as coverage in my home office is critical for my business. After I thought this was agreed on, XXXX kept sending me termination fee bills. I called several times and again thought this was resolved, but then they turned it over to Convergent, a debt collection company. 

I contacted Convergent but they insisted on collecting and would n't provide escalation paths. So, I sent them a certified letter and indicated to them that I will file this with CFPB for record keeping purposes, and that is why I am doing so. 

The main concern is their lack of communication and simply insisting on collecting the termination fee without listening to my side. I am attaching a copy of the certified letter I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Penn Credit Corporation : {$250.00}. This was paid at the Hospital during service - I was never made aware of this credit issue. Hospital has payment in file. 

XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} : XXXX was paid thru the insurance and contacted the hopsital who billed the insurance. 

XXXX XXXX {$1200.00} : This was repeatedly communicated to bill the insurance and insurance did assume the cost.
Product: Credit reporting or other personal consumer reports

I sent several certified dispute letters. XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1500.00} this was removed under another name and came back under XXXX XXXX XXXX I also received emails saying I was part of a Data Breach for XXXX and XXXX I been going back and forth I believe since XX/XX/year> all the way up til XX/XX/year> and still nothing how could you remove something and then bring it under another collection agency or should I say sell. Sent me no validation. I sent out certified letters the first and second letter in regards to the Fair Credit Reporting Act.
Product: Debt collection

Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. Also I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my Equifax FICO XXXX dropped XXXX points. I pulled my Equifax credit report and saw that a new Charge Off had been added to my report, dated XX/XX/XXXX. That account had been charged off in XX/XX/XXXX, after being settled for less than owed in XX/XX/XXXX. So there's no way it could be charged off again in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to open a dispute online with at my.Equifax.com, but the account was listed as Currently Under Dispute, which was incorrect, and prevented me from opening my dispute online. 

On XX/XX/XXXX, I called Equifax, explained the issue, and they opened an investigation. On XX/XX/XXXX they closed the investigation and claimed the creditor had verified the information as correct. 

On XX/XX/XXXX I opened a new investigation and provided a copy of the XXXX showing the account had been settled in XXXX and I paid taxes on the amount that was charged off in XXXX. They closed the investigating on XX/XX/XXXX, restating the creditor had verified the info as correct. 

On XX/XX/XXXX I called XXXX XXXX and they confirmed the account had been charged off in XX/XX/XXXX and they had not reported any updates on the account to Equifax since XX/XX/XXXX. They stated this was definitely an error on Equifax 's end because the account was not charged off in XX/XX/XXXX, and they had not communicated with Equifax about the account since XX/XX/XXXX. They said they would email me this in writing as proof in my dispute with Equifax. 

On XX/XX/XXXX XXXX XXXX did send me a document via email, but it only stated the account was listed as " settled ''. It did not contain any of the dates we spoke about on the phone and did not constitute " proof '' that Equifax had made an error. 

On XX/XX/XXXX I opened my third dispute with Equifax, again submitting the XXXX from XXXX, and the document XXXX XXXX had just provided. Equifax closed this dispute on XX/XX/XXXX, again stating that creditor had verified the information as accurate. 

It doesn't seem possible that my payment history on the account could show as No Data Available in every month since XX/XX/XXXX, and then suddenly show as Charged Off in XX/XX/XXXX, even though the XXXX XXXX charge off wasn't listed on my credit report until XX/XX/XXXX. 

It also seems unlikely that Equifax 's claim that the creditor is verifying the information is entirely accurate, since the creditor is telling me that Equifax is mistaken and that XXXX XXXX 's records show that Equifax received their last update for this account on XX/XX/XXXX. 

XXXX correctly lists the account as charged off in XX/XX/XXXX, and XXXX has already dropped this trade line from my report for being too old to continue reporting. 

By dating the charge off as XX/XX/XXXX it is now seen as a " recent delinquency '' and hurting my Equifax credit score.
Product: Credit card

A credit card was opened with my name that I did not open. I was XXXX  at the time this card was opened. This was not me that opened this card
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to confirm and affirm that, I XXXX XXXX XXXX XXXX assigned the XXXX  XXXX  XXXX XXXX, and to belongs exclusively ot me. XXXX not possess any other XXXX  XXXX  XXXX. The XXXX XXXX XXXX XXXX has informed me that the only verification needed is my XXXX XXXX XXXX. 
Thank you for your prompt attention to this request.
Product: Credit card

Macy 's provided me with an XXXX Credit Card despite me telling the person in the store and the credit checker that I did n't want it. There was confusion on my part relative to my existing Macy 's account.