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

Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax, XXXX, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and XXXX deleted it off my credit report but Equifax refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all XXXX credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to XXXX, XXXX, Equifax. 
XXXX still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.
Product: Credit reporting or other personal consumer reports

I have an account listed on all three credit bureaus that is reporting inaccurate information and I hav ask for each bureaus to either delete or update the account as current with all three bureaus and to provide me with hand written copy of the source they use to investigate this matter..Each bureau has denied my request to do so..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; Medical XXXX Balance : {$73.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

A data breach was made from all three credit bureaus and that resulted to my account being used for fraudulent purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Debt collection

Hello my name is XXXX XXXX I have a concern with a company named cmre financial services located in XXXX California back in XXXX  it states I was seen at a hospital in XXXX New Mexico a year later I received notification that my credit was hit hard because i failed to make a payment I contacted the company several times to see why I wasnt informed of this in the beginning that way at the time I could have resolved this manner with a payment at the time also I never a Debt Validation Letter the company said they reduced the amount by XXXX  XXXX and still are seeking an additional {$1200.00} I dont have {$1200.00} to pay them
Product: Mortgage

Chase did a loan modification for my account on XXXX 2010. I lose my job in XXXX 2010. I filed chapter XXXX in XXXX of 2010. Chase sent a proof of claim in the amount of XXXX stating this is for XXXX, XXXX, XXXX and cost and fees. Which was incorrect because I had a loan modification on XXXX 2010 that include cost and fees. At the time of the chapter XXXX I only owe for two months and current month. These fees are foreclosure fees, Lawyer fees, and other fees. All these fees was included in the loan modification. In the state of Louisiana you have to be three months behind and have to give notice to the foreclosure. I did n't got any of these. Also my lawyer confirm that I was not in foreclosure. Chase change me for fees that was include in my loan modification. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again experian lied. Per there own letter from XXXX XXXX stated they would fix the problem and add XXXX  which is XXXX. XXXX  report ontime payments. XXXX these complaints EXPERIAN is retaliating against me. Read the letter from XXXX XXXX in will attach 5 months of XXXX even though ther is actually 13 months of payments
Product: Debt collection

I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.
Product: Credit card

Fidelity VISA card allows 2 % cash back on reward points. 
XXXX XXXX & XXXX XXXX also have monetary " cash '' back on their reward program. 

Fidelity VISA card is issue through US BANk and it 's credit card services for US BANK states " any monetary amount excced {$600.00} will be taxable ''. This is inconsistent with XXXX XXXX ( 1.5 % back CC and XXXX XXXX XXXX ) redemption programs on their reward points. 

Thus NO XXXX tax form is generated at XXXX XXXX or XXXX for reward point redemption. US Bank via Elan Servcies claism they will be sending tax information for value of {$600.00}. 

XXXX institutions with reward redemption programs and ONLy the Fidelity/US Bank seem to TAX you. 

Request a tax specialist at Fidelity & US Bank respond in detail as the usage of taxation on reward points seem inappropriate and should be consistent with XXXX XXXX & XXXX XXXX XXXX and be non-taxable income.
Product: Credit card or prepaid card

I received a call over the weekend from Chase asking me to bring my account current. I was confused, because although I have two accounts, but knew that autopay was set up for both of them. Unfortunately, I didn't realize the autopay had been set up to an old bank account and had bounced the previous payment, and was about to bounce another payment. 

I logged in to make a payment yesterday and found that both of my Chase credit card accounts were closed. I called, and they told me that their auditors decided that I had had too many bounced payments on one account, so both were closed permanently. I escalated to a supervisor, who wouldn't budge, and even spoke to their risk department, who said they hadn't closed the accounts, and that Customer Service had. 

To be fair, I did bounce payments in XXXX because an auto-pay was set up wrong, and among raising a child, working full time, and dealing with a partner still struggling with COVID symptoms months after contracting the virus in XXXX I didn't notice the payments were bouncing necessary, but would go in and make payments. I wrongly assumed Chase would warn me, charge me fees for the bounces, or lower my credit limit. They say they've sent a letter, and while I have received letters now about the bounced payments, I haven't received anything regarding the closure. And yesterday, my cards stopped working, essentially without any warning. 

The problem account was opened in XXXX. For 19 years my credit limits with Chase on that account had waxed and waned. Id been punished before for missing payments or bouncing payments. But never had I been even threatened with closure. There was zero precedent for this, and I had no cause to be worried in my mind. 

Further, the other account was current and had had no problems. It is a Chase Sapphire Reserve card for which I paid {$550.00} for the year of membership. When asked if some of that money would be returned pro rata I was told that it was past the 45-day mark, the relevance of which wasnt clarified for me, and that that meant I couldnt receive any of the money back despite being incapable of accessing the services I was charged for. 

What's particularly painful about this sudden closure is that I've been loyal to Chase ; I assume its because I've spent so much time and money with this bank that they've reciprocated with credit limits that combine to {$47000.00}. Closing these accounts will adversely affect my credit scores as I've only ever used these two credit card accounts, and let others atrophy. This is the lion 's share of my total revolving credit. Further, my total utilization of this credit limit is low and has been so all year, despite the financial hardships we've experienced during COVID-19. Please see attached screenshots.
Product: Student loan

Unable to make payments due to Covid-19 pandemic restrictions. It is on my report for no reason
Product: Checking or savings account

Chase Bank blocked my online account access unless i clicked that i agreed to their changes detailed in a 124 page non laymen terms document ( i took a screen shot )
Product: Debt collection

I was involved in a car accident in XXXX of XXXX in which I suffered a XXXX XXXX Injury ( XXXX ). I had been reported to a collection agency in Oklahoma ( Stephen L. Bruce XXXX XXXX ) who refuses to follow the law. This company ignores the rights I have under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have sent multiple letters exercising my rights to ask for 1 ) dare of first delinquency and also when I missed my my first payment. 2 ) Statute of limitations may not validate the debt. 3 ) Copy of the original signed agreement and balance on the account from zero to present. 4 ) What is the account number of alleged debt? 5 ) When was the last payment made o this debt? 6 ) What was the credit limit of this account? 7 ) XXXX XXXX XXXX XXXX are trying to collect the wrong amount. 8 ) XXXX XXXX XXXX XXXX are asking me to pay more than what is owed. 9 ) XXXX XXXX and XXXX are trying to collect a debt that is not valid. 10 ) XXXX XXXX XXXX XXXX have not accurately verified & validated the debt. 11 ) XXXX XXXX XXXX XXXX information concerning this debt is inaccurate and must not be reported to the CRAs. In good faith I have offered an olive branch to XXXX XXXX XXXX XXXX to settle the debt because I have documentation of everything from my near fatal accident, medical history and official papers explaining how I am currently dealing with this stressful situations. I 've given official statements and paperwork from my neurologist to behavioral counselors and have expressed to this company ( XXXX XXXX XXXX XXXX ) that at the time of this application ( XXXX XXXX ) was being rendered that I was mentally impaired, incompetent and incapacitated. I continue to have difficulties and suffer from severe headaches, panic attacks and have also survived a suicide attempt. I have told XXXX XXXX XXXX XXXX that I have exhausted all of my time and energy asking them to leave me alone and to give me room to breathe so that I may be a productive citizen with the remaining time of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion,, XXXX. 
XXXX.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.
Product: Debt collection

Attorney XXXX XXXX has been sending several threatening foreclosure letters before the date granted by her client XXXX XXXX XXXX HOA for the amount of {$780.00} due no later than XX/XX/XXXX. This payment was paid in full sent on XX/XX/XXXX USPS certified returned mail and was available for pickup XX/XX/XXXX. My check # XXXX {$780.00} was endorsed by XXXX XXXX XXXX HOA president XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX HOA dues. I explained to XXXX XXXX that I have a statement from XXXX XXXX XXXX HOA with due date XX/XX/XXXX {$780.00}. She stated her letter dated XX/XX/XXXX for {$820.00} due by XX/XX/XXXX superseded XXXX XXXX XXXX HOA letter dated XX/XX/XXXX for {$780.00} due by XX/XX/XXXX. I am not an attorney but it seems against the law for XXXX companies to collect on the same debt and I believe XXXX XXXX is in violation of the FDCPA. I do believe Attorney XXXX XXXX should have waited after XX/XX/XXXX to start her legal proceeding which would have been understandable. However, Attorney XXXX XXXX continued her collection efforts on a difference of {$44.00} without verifying the accuracy of the debt. To make matters worse, on XX/XX/XXXX I received a voicemail from Attorney XXXX XXXX illegally disclosing that XXXX XXXX XXXX received my payment but she is still collecting on the balance of {$120.00} and that needs to be paid to prevent her from putting a lien of foreclosure on my home. To my understanding XXXX minus XXXX equals XXXX not XXXX. I also received XXXX more letters threatening foreclosure letters from Attorney XXXX XXXX demanding {$390.00} by XX/XX/XXXX and {$760.00} by XX/XX/XXXX. At this time, I have sent Attorney XXXX XXXX a certified letter disputing this debt. I feel I am being harassed by Attorney XXXX XXXX on a debt that was paid in full by the timeframe given by XXXX XXXX XXXX XXXX. At this time, I am in need of your assistance to stop the Law Offices of Stage and Associates, P.A. XXXX XXXX from placing a foreclosure lien on my home and to stop her aggressive attempt on collecting on a debt that I feel I do not owe. I have a copy of all documents mention above and my saved voice mail from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX purchased a XXXX XXXX XXXX for over {$46000.00} from XXXX XXXX XXXXXXXX, WA, by opening an auto loan through my Bank XXXX XXXX account using my stolen ID which he purchased on the Dark Web. He has since been caught and is awaiting trial for his crime which included dozens of other victims. Upon learning of the theft, I immediately disputed the fraudulent auto loan with XXXX and XXXX XXXX, but could not log on to Experian to freeze my credit and begin a dispute. XXXX XXXX was able to break into my Experian account, change the password as well as security questions, phone numbers and email accounts. I have tried now for OVER XXXX MONTHS to work with Experian to access my account with them to protect my credit, all to no avail. This is the single most frustrating event in my life, trying to work with this insidiously stupid and uncaring credit reporting company. I have made at least a dozen calls to them, and when finally after half an hour someone answers the phone, they can barely speak English, they can not understand the problem ( " I can not logon to my account because an identity thief broke into it and changed all the information needed to prove my identity. '' " Yes sir, before we can proceed please tell me the name of your childhood best friend. '' " I can't do that because that answer was changed by the thief. '' " Ok sir, you have exceeded the number of log on attempts so I am locking you out of your account for 72 hours. '' The moment, and I MEAN THE MOMENT, you ask them to please not do that yet again or please let me speak to the supervisor... they hang up. EVERY TIME. I have XXXX credit protection, and had their Restoration Department agent listen in on this conversation, and he was openly dismayed at this happening to me- he heard every word. More than that, if I try the " Forgot Password '' technique, it doesn't recognize my personal cell phone #, or email address to send the link to create a new password, despite their customer service agents swearing that they updated that information. When I tell them the message I receive attempting to reset the password, they hang up. EVERY TIME. I even went so far as to mail them a stack of papers, as they requested, to the XXXX, TX address they provided, proving my identity so as to wipe my account clean. No joy, they tell me that resetting the password should work, and when I tell them their program is still looking for the fake phone number and email, they hang up, leaving my acount unprotected and undisputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because of certain false accounts I discovered on my credit report. Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account Name XXXX XXXX XXXX XXXX Account number XXXX Have violated my rights. 

XXXX5 U.S.C. 1681 Section 602A states I have the right to privacy 15 U.S.C. 1681 Section604A states a consumer reporting agency can not furnish a report without my written permission.

15 U.S.C. 1681C 15 U.S.C 1681S-2 ( A ) ( 1 ) a person may not furnish any information related to any agency consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete These Accounts Immediately