23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Resurgent/LVNV Funding po box XXXX XXXX, SC XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : Resurgent/LVNV Funding Address : XXXX XXXX XXXX XXXX, SC XXXX Account # : XXXX Dear Resurgent/LVNV Funding, I have not received a validation response to my request for verification on the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute, I owe this debt to you and that dispute should be stated in my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach.

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and Assumption Deterrence Act of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX, account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

This loan was distributed in XXXX in the amount of $ XXXXthis a ten year loan with a .125 over prime variable rate, I started to pay this loan in XXXX while I was still in school. In XXXX Salie mae lowered the interest to 4 % because the payment was too high. As of today I have paid a total of {$33000.00} and Salie Mae currently have a principal balance of {$14000.00} which does not calculate. I should only had paid close to {$7000.00} in interest and {$20.00} XXXX in principal for a total of {$27000.00}. I want a refund of {$6000.00} from Salie Mae and the correction of the principal balance to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ACCOUNT # XXXX  Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXXACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT  # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXXACCOUNT XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT # XXXX TRANSUNION Account name : XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXXACCOUNT XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXACCOUNT # XXXX Account name : XXXX  XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I submitted a credit information dispute with XXXX, XXXX, and TransUnion. In this dispute all 3 credit bureaus have a Bankruptcy listed on my credit report that is inaccurate. 
1.XXXX has the bankruptcy listed as Case # XXXX with a Court # XXXX 2.TransUnion has the Bankruptcy listed as Case # XXXX 3.XXXX has the Bankruptcy listed as Case # XXXX with a Court # XXXX As you can see from the Bankrupcy Court Official Document Sheet the Official case Number is XXXX. 
1.XXXX has the Case # lasted and it's incomplete and as you can see from the Official Court Document Sheet there is no Court # listed 2.TransUnion has the Case # listed and it's incomplete as they are missing the letters that are to follow the Case # as you can see from the Official Court Document Sheet 3.XXXX has the Case # listed and the Case # in incorrect and as you can see from the Official Court Document Sheet. Also there is Court # listed on the Official Document Court Sheet
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SEEN THAT I HAD THESE INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY REPORT Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX, TXXXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent a man named XXXX {$1200.00} in exchange for a bundle of clothes. I never received this bundle. After a couple weeks of purchasing this bundle, and nothing has showed up, I contacted him to ask where it was. He claimed he had shipped it with XXXX, but when I ran the tracking number, he gave me the XXXX system told me that this number did not exist. I kept contacting him to ask for any updates, but eventually he stopped responding. I went into my bank, which is Chase and asked if they could do anything and they said that they would contact XXXX but theres pretty much nothing they could do.
Product: Debt collection

I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting eastern account systems inc collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that eastern account systems inc verified that the account is reporting accurately. I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original creditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract To date I did not receive a response from them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear, XXXX, XXXX, Experian I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the XXXX major credit bureaus ( XXXX, Experian, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter from this company called XXXX XXXX back in XXXXXXXX XXXX XXXX and I responded back with a letter asking that under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). As of today XXXX XXXX XXXXXXXX has yet to validate this request or send me out anything that shows proof that this alleged account is actually mines. I have sent out numerous dispute letters asking them for this information to show me something displaying my signature, a proof of purchase and have not received anything but a bill from them, which not proof that I owe this debt and it is mines. 
I have also request from all three credit bureaus the same information and sent out the same letters and they alway reply back with a updated report stating that it has been verified but yet so show proof of how it has been verified as accurate. 
On XX/XX/2024 I also filed and Identity theft report and mailed a copy to the XXXX XXXX XXXX and all three credit reports and they have yet to remove this item from my report or to acknowledge the fact I have filed this report assuring them this is not my account.
Product: Credit reporting or other personal consumer reports

XXXX has continue to use the inaccurate information. The following items with the Id numbers needs to be removed as XXXX has continue to violate 15 U. S. Code 1681 I received mail from XXXX on XX/XX/2023 with the wrong name and address, i was addressed as XXXX XXXX which is not my name or my address that was reported. I am asking that that following accounts be removed from my credit report so that it will reflect XXXX name and XXXX address. Please as stated by ; Section 605A 15 U.S. Code 1681C-1 Section 604 15 U.S. Code 1681 b Section 605 B 15 U.S. Code 1681 C-2 address Id : XXXX report number XXXX name Id : # XXXX, name Id : # XXXX, name Id : # XXXX none of the following items are of my identity. this is why my information has been used in an identity theft with the following companies because XXXX 's has been reporting other people names and addresses on my credit report. The on name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

XXXX is reporting a collection from a company by the name of Credit Control for {$690.00}. I wrote the company and experian responded and said verified although XXXX and XXXX deleted. This is not my debt. I have never done any business with Credit Control
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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 
I made several disputes on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to Equifax and XXXX on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of XXXX and Equifax 's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax it's reporting an address in Texas that is not mine I've never lived there. I've been in Florida since the mid 90s. I have tried to dispute this with them but they find no issue and do not remove it from my credit report. I want to file a complaint against them and have this resolved for them reporting inaccurate and false information. This is tide 2 a company as well in Texas I believe that this might have something to do with identity theft This is why I'm concerned please help me in this matter with Equifax.
Product: Mortgage

I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.
Product: Credit card or prepaid card

Capital one says I did not pay on both the credit cards I have with them! 
I paid {$100.00} for each card on XX/XX/2022. It is on my bank statement!!! 

I am assuming they may have been hacked, and if so should be notifying all of us about it!!
Product: Credit reporting or other personal consumer reports

The account below was reporting billing inaccuracies. Inaccurate late payments. The company did not hold up their end of the bargain. The representative told me to pay the balance and I told them that the account was reporting bad and inaccurate. I had no problem with paying the balance. XXXX did not update my account to reflect good. I also asked the representative if he couldn't change it, just take my payment and delete the account so it doesn't reflect bad on my credit. Nothing was changed. But I was still able to get another credit card with the company. It doesn't make sense. Please advise them to remove the chargeoff and late payments which is inaccruate or DELETE the account as a whole. According to the FCRA, XXXX is supposed to report 100 % accurate information. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2020 Credit Limit : {$400.00}
Product: Vehicle loan or lease

The vehicle in question was purchased on or about XX/XX/XXXX financed by TOTAL AUTO FINANCE, repossessed in the state of XXXX DC XX/XX/XXXX and sold by the same creditor TOTAL AUTO FINANCE on or about XX/XX/XXXX. The dealer and or creditor also Filed for bankruptcy by the end of XXXX on or about XX/XX/XXXX. I have not been contacted since the property was sold.