23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested this debt be validated several times. XXXX Ive received documents showing charges were made on the account, the company has yet to prove I made these charges or even opened this account. My information was exposed in a data breach. I am now requesting the debt be verified through the proper channels.
Product: Debt collection

Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????
Product: Credit reporting or other personal consumer reports

The reason for this, is to dispute all XXXX unauthorized inquiries on my credit report. 

XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( XXXX ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX  XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Product: Credit reporting or other personal consumer reports

I reached out to Porsche Financial to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Product: Debt collection

On XX/XX/2020, I was sent a letter from Mountain Run Solutions that I allegedly owed XXXX  {$1600.00}. I do not owe this company any money and this was my first time hearing that I allegedly owed a debt to this company. 
On XX/XX/2020, Mountian Run Solutions received a debt validation letter from me asking them to validate the debt and not simply to verify it. 
As of XXXX XXXX, I have not recieved anything from Mountain Run Solutions that validates this debt and they illegally put the collection on my XXXX  and XXXX  credit report without providing me validation of the alleged debt. 
The law states that if collection agencies fail to respond to validation requests within 30 days from receipt of the validation letter, all references to the account must be deleted and completely removed from my credit file. 
In XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX  and both companies said Mountain Run Solutions said the debt was accurate, which is totally false. I am requesting that this alleged debt be removed from all of my credit files due to the illegal practices of failing to provide valididation of the debt within 30 days of receipt of validation request.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I'm an authorized signer on two XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.
Product: Credit reporting or other personal consumer reports

My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per 15 United States Code 1666b. Both the credit furnisher and credit reporting agencies ( XXXX, Transunion and XXXX ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( s ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through Arbitration, Smalls Claims and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. 
When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed I have a fraudulent account on my report ( XXXX XXXX XXXX ) Acct # XXXX {$640.00}. Please remove this account from my credit report because is hurting my ability to obtain credit. FTC ID Theft Report Number : XXXX
Product: Credit reporting or other personal consumer reports

I've started sending out letters to Transunion, XXXX, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a modification on my loan and was approved. With this being done, my loan should have restarted. Since then my credit has only reported from 2023. I have submitted several disputes to have this information updated and the company always reply With no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for finance was. Declined said unable too verify my identity
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute and request the validation of the debt asociated with Account No : XXXX, which you claim I owe. This correspondence is pursuant to the Fair Debt Collection Practices Act ( FDCPA ), particularly under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2.

Please provide the following : Verification of the Debt : I request a detailed validation of the debt, including the original creditor 's name and address ( XXXX XXXX ), the amount of the debt ( {$540.00} ), and any additional charges or fees. This request is in line with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Purchase Agreement : As mandated by 12 CFR 1006.34 ( d ), please provide a copy of the purchase agreement between XXXX. XXXX, XXXX and XXXX XXXX, proving your legal authority to collect this debt. 

Licensing and Bonding : Provide documentation confirming that your agency is properly licensed and bonded to collect debts in my state, ensuring compliance with relevant laws. 


This debt is considered in dispute until the aforementioned documentation is provided to me. During the dispute period, you are requested not to report this debt to any credit reporting agencies. All further communications should be done in writing. 

Please be aware that I am knowledgeable about my rights under the FDCPA and the Fair Credit Reporting Act. I will not hesitate to lodge complaints with the Federal Trade Commission and the [ your state ] Attorney Generals Office should my rights be infringed.

Thank you for addressing this matter promptly. I anticipate your reply within the legally required 30 days from the date this letter is received. 

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

On XX/XX/XXXX I talked to XXXX XXXX XXXX who purchased the debt from XXXX. I did a pay to delete to resolve the account. The account is paid in full. I was promised and given a letter that the account and the XXXX account would be deleted from my credit and no longer appear as a negative mark since I paid in full. It has been over two months and they have not removed it from my credit. I have talked to them on the phone and they have stated that it should have been removed. The negative remark on my credit still shows. 


This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX : Thank you for your assistance in resolving this account. Your current balance on this account is $ XXXX. Please retain this letter as proof your account has been settled. 

Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our companys tradeline related to your account from your credit bureau report. XXXX XXXX XXXX, XXXX can not control how fast the credit reporting agencies process requests. 

*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 

If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are Mon. to Thurs. XXXX - XXXX, XXXX XXXX - XXXX, Sat. XXXX - XXXX, Sun. XXXX - XXXX ( ET ). 

Thank you for resolving this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I received a document in the mail stating that I owed this company a debt. I sent this company a letter back disputing this Debt and demanded that they cease communication with me regarding this Debt. This company continues to harass and send letters to my home address without my consent. Please help assist me in settling this matter!
Product: Credit card

I am a XXXX yr customer of American Express with excellent payment history. I received an email on XXXX advising me that my payment was past due. I am very protective of my above XXXX cb score and shocked as I was not aware it was due, so I paid it immediately on XXXX ( balance was {$65.00} XXXX late fee ). I was somehow assigned to e-billing which I have never wanted and have requsted in the past that I recieve paper billing. I called American Express on XXXX and requested consideration for a XXXX late fee waiver under the circumstances and was denied. 

I went through my emails and I did not receieve an email prior to or on the due date only 3 days later when the late fee was assessed. I have notified Amex in the past that I do not want ebilling as its too easy to miss a statement with all of the junk emails they send. 

I feel that they intentionally want ebilling in hopes that they can generate these excessive late fees. I have also noticed that some cards put the placement of their ebilling requestes in popups on pages which are very deceptive and easy to click kin error- not stating that Amex does this specifically, but Im sure they all do. 

I am simply requesting the late fee waiver which is excessive for a XXXX balance as a long term customer.
Product: Debt collection

On XX/XX/2021 at approximately XXXX XXXX from an unknown number National Management Recovery Corp contacted me about a debt to them. I was never contacted or made aware of this until this point. This was the only correspondence I received about them. I was told they were going to take this to court? But there is nothing sent to me about this. They have made threats to take to court and have put on public record for a debt I have no clue about and when asked they were very defensive about relaying any information. I was threatened that if I didnt pay the debt off they would process and take to court with supposive allegations that I was defrauding. I repeatedly asked for confirmation about this debt and and yet, still nothing that says what this is about and as I told them I never heard of XXXX and the lady kept repeating the same thing, that they would take me to court if I didnt pay that day. This company tried to use a scare tactic to get me and my mother to pay. I called the XXXX County court and was told no such lawsuit exists with them! They called me, threatened to sue, that my credit would be tarnished and that they would contact my employer. I have your voicemail recording and I also recorded the conversation we had.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove XXXX XXXX XXXXXXXX fcra violations
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Product: Student loan

$ years of Stafford Plus loans to put son through college. Each year consolidated with total loan amount of approx. {$38000.00}. Was set up on gradated payments with payoff in approx. 10 years. Entered into bankruptcy in XX/XX/XXXX with payments to continue, which they did. After bankruptcy loan transferred to Navient. They show we still owe {$38000.00} According to my records we made {$26000.00} in payments from XX/XX/XXXX to XX/XX/XXXX ( 8yrs 4 months ) We received letter from Navient that our forbearance was approved. I never requested a forbearance. Additionally they changed our payment schedule to a new extended schedule for 25 years. I never agreed to such schedule and would be XXXX years old when it is paid off. Our original payment schedule should have paid off the loan in approx. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXXXXXX Balance {$1800.00} XXXX  XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.