23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear LVNV Funding LLC, I am writing in response to your recent communication regarding the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the alleged debt to ensure it is accurate and legitimate. 

Please provide the following information : 1

. Proof that you own or have been assigned the debt.

2. A detailed account of the amount owed, including the original debt amount, any interest, fees, or other charges.

3. The name and address of the original creditor.

4. Documentation showing that I agreed to pay the alleged debt.

5. A complete payment history, including proof of any payments made and how they were applied.

Additionally, until this debt is validated, I request that you cease all communication with me except to provide the requested information.

Please note that under the FDCPA, you are required to provide this information before pursuing any further collection efforts. Failure to comply may be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

This letter is not an acknowledgment of the debt or an agreement to pay it. I reserve all rights, including the right to dispute the debt.

Thank you for your attention to this matter. Please respond within 30 days of receipt of this letter. 

Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 of 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 was made aware of a fraudulent charge from XX/XX/2019 on my credit report in XXXX of 2019 when I was applying for a loan, and there was an item that had gone to collections on the report. 

The item in question is from XXXX XXXX in the amount of {$250.00}. I have never utilized these services and immediately reported this as fraudulent with each XXXX XXXX, and XXXX  credit reporting agencies. 

I have since begun receiving debt collection notices from Convergent Outsourcing, the company attempting to collect the balance due to XXXX XXXX. When I contacted them, they would not assist unless I had previously filed a police report, which I have not done. 

The last communication I received from Convergent provided the following details : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Amount Owed : {$250.00} Total Balance : {$250.00} Please advise the next steps to get this resolved. Thank you!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

After reviewing the most recent credit report I noticed that there were several accounts that were added without my knowledge or permission. Signature nor authorization was not given. Here are the accounts that appeared : Names & Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 TransUnion XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX  XX/XX/XXXX is not an employer. 

XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.
Product: Credit card

The Wells Fargo Bank violated my rights and refused to process my disputed credit card transaction.

Two transactions in same date and same amount.

1. 
Date : XXXX Amounts : {$6800.00} USD XXXX. 
Date : XXXX Amounts : {$6800.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX put late payments on my account. 

In accordance with the fair credit reporting act XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting 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 is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

That have not took late payment off my credit report it was their fault. They closed account out and said I had a XXXX balance then 2 months later showed 30 days past due. They restricted and closed account out so I couldn't get into app or website. I have proof see attached documents. They Said I had a XXXX balance and the account and card was closed
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and Lexington the said they had no recollection of my statements they also turned my credit around to good while I was with them but the moment I stopped paying them and discontinued my services my credit skyrocketed down worse than it was when I signed up with them on top of random companies were showing up on my credit report and inquiries that would never made and still happens to me to this day ever since using Lexington law firm I did receive a {$420.00} check at reimbursement but after paying them for XXXX  years that is not enough plus the stress and agony they put me through I was trying to refinance my house and now I was talking XXXX years to even get it to go up a few points this is unacceptable I think I should be paid for the stress and havoc they have caused in my life for the last XXXX  years
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Credit.com credit pulls on my credit report on XX/XX/2021. I have not talked to them or interacted with them in any manner. They did NOT have consent to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong, Inaccurate, Fraudulent accounts reporting on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED XXXX  XXXX XXXX ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is 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 ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX bank placed a inquiry on credit report. Did not apply for any auto loan or credit loan with XXXX Bank. 

ID Theft fraud.
Product: Checking or savings account

Chase bank closed my checking account, investment account, business bank account and savings account. without any explanation as to why. When i ask, i am told after review the bank decided to no longer do business with me. The acocunts were in good standing, no unusual activity and closed without notice. +
Product: Debt collection

I contacted original creditor regarding bill for {$24.00} ( XXXX ) and debt collector, CBQ ( XXXX ) for bill of {$48.00} to let them know that this debt is not owed by me, that this debt can't be collected because my income is Federally protected, as well as sent them both a cease and desist letter. The amount of the debt is misrepresented, and according to Federal Law, the medical facility can not do balance billing ; therefore, I am not required to submit any payment for any alleged balance they claim I owe. CBQ continues to call my number, via ringless call, going straight to voicemail ; and I have received two letters from them after, sending rhe cease and desist letter. 
TO REMOVE ACCOUNT FROM CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to get accounts removed from my Experian credit file. These items do not belong to me. Can you please assist me in getting this matter resolved with Experian. My next step is to hire an attorney to help remove these accounts and personal information that is not mine from Experian. These incorrect reporting is seriously harming my credit when these items are not mine. Please assist me in removing the following accounts : The below items are Fraud Accounts that was not open by me : 1. XXXX XXXX XXXX for {$3500.00}, reporting on Experian 2. XXXX XXXX  for {$0.00}, reporting on Experian 3. XXXX XXXX  for {$810.00}, reporting on Experian 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian 5. 4. XXXX  XXXX XXXX for {$0.00}, reporting on Experian, XXXX 6. 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian The following Address & Phone number information do not belong to me : 1. XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spoken with 3 representatives from Transunion within a month. I have inquiries that I did not authorize and was removed. Due to a glitch they were added back on my report without a 5 day written notification. The companies did not have my permissible consent to pull my credit.
Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. In accordance with the written instructions of the consumer to whom it relates. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Debt collection

I discovered I was the victim of identity theft when I received a letter from American first finance company text, last month I called the company explained to them I never financed a purchased with them. They traced the purchase to Florida from one of their stores. I filed a police report with my local authorities, I also filed a report with the FTC. I was told they were noting the account as fraud. However, Today XX/XX/XXXX I received another letter as an attempted debit collection. The amount of the debt has increased. I called American First finance and told them again what was happening they put me on hold never returning to the telephone. I dont want this transferred to my credit.
Product: Debt collection

they called XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not given my consent to XXXX, Experian, and XXXX to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''
Product: Credit reporting or other personal consumer reports

The company XXXX XXXXXXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a XXXX loan but was extended to XXXX  months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297.  Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE