23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Demand for Strict Debt Validation and Proof of Assignment To Whom It May Concern, This is a formal request for full debt validation and legal documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Please note : I do not acknowledge or accept any responsibility for the alleged debt referenced in your communications and credit reporting. I am exercising my legal rights to request strict proof of your authority to collect and report this account. 

You are required to provide the following : XXXX. A complete chain of assignment from the original creditor to your agency, including the original assignment or purchase agreement. 
XXXX. A copy of the original signed contract or agreement that specifically links me to the alleged obligation. 
XXXX. A detailed breakdown of the full amount claimed, including itemized charges, interest, fees, and any payments. 
XXXX. Proof that you are licensed and authorized to collect debt in my state, including your license number and issuing agency. 
XXXX. The exact name and address of the original creditor, along with the full history of the account from inception to present. 

Legal Basis : - 15 U.S.C. 1692g ( b ) : You must cease collection activity and credit reporting until validation is provided. 
- FCRA 623 ( a ) ( 1 ) ( A ) : You may not report unverifiable or inaccurate information. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Validation requires substantive evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Collectors must conduct a meaningful investigation. 

The account in question is listed as follows : HELVEY & ASSOCIATES  INC XXXX XXXX Account XXXX XXXX XXXX Amount : {$400.00} Reporting to : XXXX XXXX XXXX If you are unable or unwilling to produce the requested documentation, this constitutes your admission that you lack legal standing to pursue or report this account. In such case, I demand immediate cessation of collection efforts, removal of this item from all credit bureaus, and written confirmation that no further action will be taken. 

Any further reporting or collection attempts without proper validation will be considered a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

All future communication must be in writing only. Phone contact is not authorized. 

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

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Product: Mortgage

I closed on my home in XX/XX/2022 using an FHA XXXX. During the process of closing, the loan officer ( XXXX XXXX from Cross Country Mortgage ) introduced me to a general contractor ( XXXX XXXX XXXX ), which at that time was the only option given to me by the loan officer.

I proceeded with the loan as my loan officer advised even after appraisal came shorter than the estimated loan amount. 
Month later, I discovered that the general contractor was inexperienced ( in contrast to what I was told by the loan officer and the general contractor ). My project is at least 6 months behind and XXXX end up in foreclosure as the property is a XXXX family residence.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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 TRANSUNION 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!

Delete the late payments from my consumer reports
Product: Credit card

I sent this Credit Card Company four INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS. They failed to respond back.These are the dates I mailed them certified mail. 

1. BOA dates are as follows : first one sent XXXX XXXX - second one sent XX/XX/year> - third one sent XX/XX/year> - forth one sent XX/XX/year>. Dates they received them are available on request.
Product: Debt collection

Repeated calls to me and my spouse. Sent a false garnishment notice on XX/XX/year>. Debt is passed the statutes of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told by law office that can't put collection in history can't get them to fix anything
Product: Credit card

I have a card with Synchrony bank which is XXXX for my XXXX. One card with Synchrony is good enough for me. They lower by spending limit every few months for no real reason. Which lowers my credit score. Synchrony recently took over the XXXX XXXX XXXX and now has decided to lower my spending limit abruptly. This again has lowered my credit score when I just got it back to XXXX. I read online this is something Synchrony does frequently. Something is just not right and this should be looked into.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you verify the documents? Some accounts listed are inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681e ( b ), and 15 USC 1692c, I have no legal contract with IQ DATA INTERNATIONAL. I did not give them permission to past on my consumer reports either. They have failed to even prove such a debt is owed. Upon request, they refused to verify the debt. This account is not valid and has been reported to my XXXX credit report with across XXXX, XXXX and XXXX without due diligence. 

After my personal investigation the said account reporting I discovered the location where the debt may have occurred is in XXXX and It is imperative to state clearly that I do reside in GA and have been a home owner in Florida.
Product: Debt collection

XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?
Product: Credit reporting or other personal consumer reports

My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX TransUnion : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : XXXX Updated Balance : XXXX
Product: Checking or savings account

Cant Open and Cheeking Account With Discover Bank Becuase of Security Reason and i never had any accounts with Discover Bank in the Pass and They refused to open a new account for me Please help me with this Problem please i need help with this please My Social Security : XXXX Date Of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi. Good morning. a few months ago I bought 2 recliners from an XXXX 3rd party seller. everything was good but there was a problem with the recliners handle ( broken ) within 7 days so I requested for return and recliners company offer me a partial refund of XXXX dollars but I didn't agree with this then after a few days later they sent me to return label and I returned the items within 3 days then 2 0r 3 days later I was just checking the tracking Numer I don't see any updates, even it was showing nothing then I discovered the company sent me a fake label. first, the item weight was completely wrong, and then how many items. I informed my discovery card company regarding this issue and also XXXX to XXXX XXXX but XXXX sent me an email that they can't issue a refund to me because I already disputed with my bank so I had to wait until the finished investigation, the result came on the seller favor. I called the card company to how it could be like this. I sent all documents now you guys are protecting a fraud seller. they asked me do you have any proof that you returned, I said yeah I have a tracking number which was fake, and other than I don't have any option to prove I returned items and XXXX came and took the items.. anyway, they ( XXXX  ) revised the credit from my XXXX credit card. I have attached the fake label and conversations between us. I need your help. thank you so much and stay safe and healthy
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed a dispute with the credit reporting agencies and a claim with you for the account that appears on my XXXX XXXX XXXX XXXX report since, in XXXX, they began to report a debt on my credit report for a vehicle, which had been delivered by me, voluntarily so as not to have debt with the financial institution, in XX/XX/XXXX. 

At that time, they impacted my credit negatively so many times, since they were reporting every month as an unpaid debt, which caused me and my children to become homeless, since when my score dropped so aggressively, I could not rent anything in my name, affecting me financially and emotionally. 

After exhausting all resources, they indicated that the debt still existed since they sold the vehicle and demanded that I pay what was supposed to be a remainder of the value of the vehicle when I bought it. Although the loan was for the vehicle and they accepted that they had the vehicle. I never understood how a loan that was secured by a vehicle can remain in debt after being delivered. 


I recently requested a credit report and noticed that the same account had been moved to another category called debt/charged off, which refers to debt cancelled by the IRS. 

The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act. An account can not be a charge off and a collection at the same time. 

This inaccuracy has caused serious financial damage and has negatively affected my ability to obtain loans and credit on fair terms.
Product: Student loan

I have XXXX, now Navient loans from when I was an XXXX from XXXX. I graduated with about 30,000 in student loan debt. Today, that number is over {$55000.00}. The loans were doubled under Navient 's insane interest. My payments began at XXXX a month, today they are over {$600.00} because they continue to jack up interest rates even though my credit has improved since they were issued. I can not make these payments. I called and was told they would be happy to lower my payments to {$400.00} if I agreed to extend my loans to 25 years!!! However, they could whenever they wanted jack up my already high interest rates ( 6-14 % ) on these loans all over again. How is this legal???? The only way they can make my payments that I have always made, affordable again, is to enslave myself further to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi : XXXX XXXX XXXX  put my account in forbearance. I never requested this or wanted it but thought to look at my account status after reading this article : XXXX XXXX XXXX I was shocked to see my account was put into forebearance without my request to do so. My account is in good standing. There have been no missed payments. I want forbearance off my account because this was a gross mistake by XXXX XXXX. 

Thank you, XXXX
Product: Debt collection

GENESIS CRDT- not legally licensed and bonded to collect debt on my report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan with US Bank was in a forbearance period due to COVID-19. I obtained a 6 month forbearance. The forbearance period ended on XX/XX/2020. I contacted the lender three times in XXXX. On XX/XX/2020 I was approved for a PAYMENT DEFERRAL MODIFICATION. I chose that the 6 months of forbearance mortgage payments to be added to the end of the loan period. I also let them know I was ready to resume regular monthly payments. I let them know that I did not want to refinance the loan nor was I seeking mortgage assistance. I was informed that I would receive documentation in the mail noting the approved payment deferral modification and that all would be settled responsibly. Furthermore, that the loan status would change and that the loan would not appear in forbearance any further. 

This did not happen. I have not spoken with 20 different bank employees in their Loss Mitigation Department ( XXXX ext. XXXX ), on 10 separate phone calls. 
Every time I call, they give me a different response to the situation. I tell them that I have already been approved for the solution that was agreed upon and that I just want to complete the process so that my loan status changes to NORMAL. They always tell me that the problem was that one of their employees gave me erroneous instructions and that there is a loan assistance application is in their computer system. That this erroneous application needs to be deleted from their computer system so that the agreed upon loan payment deferral modification can be completed. They promise that they will complete this task within a few days but it is never completed. I ask to speak with a department manager and they tell me that they don't speak with the public. I ask them if I can speak with the person ( s ) that are responsible for deleting this erroneous application from their computer system. They tell me that those people don't speak with the public. I ask them if they can delete this erroneous application file from their computer system and they say that they don't have that type of access to their computer system. I have run out of options hence, why I am filing this complaint.
Product: Student loan

U S Bank removed my student loan account from deferment status illegally and unlawfully, which created a past due balance and damaged my credit score. My student loan account should not have been removed from deferment and I should not have a past due balance.
Product: Checking or savings account

I filed a dispute on XX/XX/XXXX due to a cancellation of a reserved trip from XXXX because of XXXX. I was charged {$440.00} on XX/XX/XXXX and XX/XX/XXXX, a total of {$880.00}. I filed a dispute with my bank on XX/XX/XXXX. After months, it was denied and they did not explain why. I want to reopen my case from my bank Wells Fargo and turn in paperwork of proof of my payments. 
I had another dispute case from them for the same reason. This dispute was for {$900.00}, became a provisional credit and eventually became permanent. I do not understand why this case was approved and the other was denied when all charges came from the same merchant, XXXX.
Product: Credit reporting or other personal consumer reports

It's been longer then 30 days I did a debt validation with XXXX XXXX. 
I sent a certified letter..I dispute with credit bureaus. I don't kno what to do
Product: Credit card or prepaid card

In XXXX I purchased a new credit line for XXXX from XXXX XXXX XXXX for 149.99 I disputed the charge in XX/XX/2021 because I never received what was advertised I was refunded for about two weeks and then it was put back on my credit card because the company claims they sold me a membership which isnt true all I received was confirmation that the payment went through
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Bankruptcy Reporting on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an erroneous bankruptcy account listed in the public records section of my credit report with XXXX, Equifax, and XXXX. This information is inaccurate and is not mine, as I have never filed for bankruptcy in my life. 
To address this issue, I visited the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a clerk named XXXX. After I showed her my credit report and the bankruptcy entry in question, she asked for my personal information to verify whether my name appeared in their records. Upon completing the search, XXXX confirmed that my name does not appear in their system and that the bankruptcy reported on my credit report is an error. 

XXXX further explained that there are numerous individuals named XXXX XXXX in XXXX XXXX XXXX alone, which likely caused this mistaken reporting. She assured me that the bankruptcy listed on my credit report does not belong to me and is being inaccurately reported. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information promptly. As this information is clearly erroneous, I request the immediate removal of the bankruptcy account from my credit reports. 

To support my dispute, I am providing the following : A copy of my credit report with the inaccurate bankruptcy entry highlighted Below is the bankruptcy that is incorrectly info reporting on my XXXX, Equifax and XXXX credit report 's : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX Please complete your investigation and remove this incorrect bankruptcy entry from my credit report. 

Thank you for your prompt attention to this matter. 

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

I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : 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 XXXXXX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : XXXX. XXXX XXXX XXXX ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 
XXXX. XXXX XXXX XXXX : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
XXXX. XXXX XXXX XXXX ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 
XXXX. XXXX XXXX XXXX ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
XXXX. XXXX XXXX XXXX : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps XXXX is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX