23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$320.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Two XXXX Card accounts reporting to my credit Bureau 's?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " Impact XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i just got this account deleted from my credit report. HOWEVER it was on my credit report with WAKEFIELD & ASSOCIATES! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with Revenue Recovery CORPORATION and put it back on my credit report under the merging companies name!!! Which is REVENUE RECOVERY CORPORATION WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of REVENUE RECOVERY CORPORATION! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR XXXX  TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!
Product: Credit reporting or other personal consumer reports

Good Evening, My Name is XXXX XXXX . I am contacting you to inform you that I am a victim of multiple data breaches from Equifax therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX.I have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ
Product: Credit card

around last year I made multiple charges with my apple card. the limit was XXXX} I traveled with the limit XXXX} when i came back the charges was around {XXXX} i filed a dispute with them and they denied it. i believe it is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the Consumer Financial Protection Bureau, Out on the three nationwide credit reporting companies, Experian is reporting  inaccuracies and lowing my credit score. I have an excellent track record with no late payments, every account has a XXXX balance and I recently had credit limit increases with all of my creditors. 

My credit score improved tremendously with XXXX and XXXX   because of my hard work. XXXX did the opposite. They continously lower my credit score dramatically with no justification. I called several times requesting to please fix this issue and to date nothing has been done. This is fraudulent activity. Im asking for your help. 

The three credit bureaus pretty much have the same information reported. Meaning, I only have five accounts listed with each credit bureau all accounts have reported to each credit bureau an excellent payment history and show my debt ratio as low or no risk. Ive worked very hard to achieve these results and Experian has committed fraudulent behavior and does not have the right to lower my credit score because they feel like it. It makes no sense. They absolutely refuse to fix this problem and I dont know where else to turn as this is hurting my fico score tremendously. 

XXXX and XXXX show my credit score as XXXX and XXXX, while Experian is showing significantly lower. This is fraud, unjust, and a violation of my rights. 

Please investigate this matter as soon as possible. 

I am asking for your help in this matter. Thank you in advance.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax were sent disputes in regards to fraudulent activity for accounts : XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXX ORIGINAL CREDITOR FOR XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX Verification of debt was not validated and no proof of verification was returned. 
Updated FTC # XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above.This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting XXXX is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 -- I demand these hard inquiries removed from my TransUnion XXXX report/file, XXXX XXXX  XXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XXXX 2021. I have read enough to understand my rights. The XXXX Credit Bureau is attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for Capitol One Justice Credit Card. Received a denial letter stating reason was " legal action pending against applicant ''. It does not state with whom either. As far as I know I have no legal action pending against me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX 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

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$78.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$730.00} XXXX XXXX XXXX Charge-off {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX
Product: Credit card

I was using a self visa credit card to pay for a storage I had I lost the card so I started paying with a different card but the company was still charging my credit card so I contacted the company they got everything straight on there end but self credit did not fix it on there end an my credit score is so low
Product: Bank account or service

I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. 
Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. 
As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. 

I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. 
The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. 
At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.
Product: Debt collection

My son and I got a credit warning from our bank. XXXX informed us that this was pertaining to a debt from XXXX XXXX associated with XXXX, XXXX ( XXXX ) appartment move out repairs and cleaning. I contacted the landlord ( XXXX ) who said it was in hands of ProCollect debt collectors due to non-payment and to call them as it was out of their hands. I have called ProCollect several times who have provided me with no information at all about the debt. In equal measure they have been obnoxiously rude, cut me off several times for asking too many questions and using ever increasing aggressive language demanding full payment. They have given me false information on how to appeal or contest this debt. I have argued that I do not recognise this debt as I have had no information from landlord or Procollect. In order to try and move this issue along I reached out to the landlord for more information which eventually he begrudgingly did. Apparently they are seeking {$750.00} for repairs and cleaning. In the main the itemizations ( which I saw for the first time this week ) are spurious ( e.g. {$420.00} for wall repairs and painting that were reported at the time of move in ), exaggerated ( e.g. {$62.00} to remove one tub of XXXX ), inflated and pernicious. I estimate that c. {$510.00} of these costs are false. I feel trapped and bullied in that both the landlord and debt collector have provided me with no information from XXXX XXXX until this week when I had to chase them. Since then they have both been reticent to share any information about this debt nor discuss any remediation actions.
Product: Credit reporting or other personal consumer reports

These following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.