23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I request validati

on of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Agency, this is filed by me, myself, and I. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1 Account Name : XXXX XXXX  Account # XXXX 2 Account Name : XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX 4 Account Name : XXXX XXXX XXXX Account XXXX XXXX 5 XXXX XXXX XXXX Account # XXXX Also please provide the following : 1. Creditor Information ( Name, Address and Phone Number of Original Merchant ) 2. The Payment History and Itemized Billing Associated with Each Account 3. The Original Contract with My Signature on It 4. Proof Of Ownership ( Proof That the Company Trying to Collect This Debt Has Authorization to Do So ) If you are unable to provide these four details, please delete these accounts from my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is purposefully changing my credit report, which I will attach. This is illegay and nefarious and they should be fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Inquiries on credit reports from XXXX and XX/XX/2021 after credit freeze and fraud alert placed in XXXX of 2021
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX and the last four of my Social Security Number is XXXX and my XXXX is XX/XX/scrub>XXXX This account is listed as a charge-off on my credit reports. If this accout is indeed a charge-off, then why did I not received a copy of a 1099-C from you? You received a tax write off and I should not have this debt reported on my credit profile. Send me any forms showing you still have the right to report this on my credit profile and if you can not do that removed this debt from my credit profile immediately. I am a litigious consumer and will not hesistate to bring a small claims lawsuit for violations of the federal Credit Reporting Act and also breaking the law by not sending me a 1099-C for this charged off debt. The IRS clearly states " If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay.In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred. After a debt is canceled, the creditor must send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. ''
Product: Debt collection

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 

*disputing the alleged debt*
Product: Credit card or prepaid card

Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file.
Product: Bank account or service

In XXXX 2015, Citibank was offering a XXXX AAdvantage mile promotion if you open a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. I received several messages from Citibank stating that I was signed up for the promotion, met the minimum requirements, and that the miles will be processed to my account. However, after checking back with Citibank, I was told that " Unfortunately there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This response was not consistent with the three messages I 've received from Citibank prior.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} - Charged Off XXXX  XXXX Account # : Date open : XX/XX/XXXX Balance : {$680.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXXXXXX XXXX  XXXX, GA, XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date open : XX/XX/XXXX Balance : {$3100.00} - Charged Off XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Date open : XX/XX/XXXX Balance : {$680.00} - Collection XXXX XXXX XXXX  Account # : XXXX Date open : XX/XX/XXXX Balance : {$0.00} - Bankruptcy XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX UVERSE ) Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$90.00} - Collection Bankruptcy Chapter XXXX XXXX Docket Identifier XXXX Date Filed XX/XX/XXXX - Public record XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$90.00} - XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

When I could not get my service level reduced due to job loss, I cancelled service with XXXX ( account # XXXX ) via phone call in XX/XX/2020, I was advised that service would be terminated and there was no balance due. I have not received a bill from XXXX or now XXXX XXXX XXXX, but have for the second time, with a different collection agency had this show up as as an uncollectible account damaging my credit score. The previous collection agency withdrew this from my credit report with no explanation so I thought the matter was closed. I spoke with XXXX XXXX XXXX rep who would give me no information other than the phone number for Receivables Performance. I called and spoke with a debt collector who said i should have received letters and emails about this debt which I have not. In fact they didn't have my correct email address. What the debt collector disclosed is that I now owed for the first and last month of service and a fee for non return of equipment. Having had the account for close to ten years I have no of the original documentation when the account was opened under a special offer through XXXX XXXX. And the equipment was returned to XXXX XXXX in boxes they provided and dropped at the local XXXX store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX XX/XX/2021 ;
Product: Credit reporting or other personal consumer reports

I recently pull my credit reports and noticed a lot of wrong addresses and name variations. My information was released in the Equifax Data Breach and I am nervous of Identity Theft. I have submitted a copy of my ID and am requesting only that address be listed since it is accurate and verifiable. All other addresses are fraudulent and should be deleted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions equifax consistently responds that the account is accurate, without providing any evidence oc a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a resonance investigation of disputes. Furthermore Equifax s actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of invistigation. On accounts : XX/XX/XXXXXXXX : late payments not accurate and not removed XXXX : late payments not accurate and not removed XX/XX/XXXX : late payment not accurate and not removedXX/XX/XXXX : I never closed account XXXX XXXX XXXX XXXX late payments not accurate and not removed XXXX XXXX XXXX inquiry XXXX XXXX2024 and XXXXXX/XX/XXXX,2024
Product: Credit reporting

XXXX is reporting a collection on a debt that is not mine I have been fighting them thru CFPB with no solution yet they have failed to validate debt with FDCPA guidelines and this is now on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with regional acceptance that was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The address Regional Acceptance had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand XX/XX/XXXX to remove this Account from my credit file at the Earliest Possible Time
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX XXXX XXXX I am writing to bring to your attention an issue I am experiencing with XXXX XXXX regarding the reporting of a late payment on my credit report. Despite my efforts to rectify the situation with XXXX XXXX directly, the late payment remains on my record, adversely affecting my creditworthiness and, consequently, my ability to secure a home loan. 

On XX/XX/24, I contacted XXXX XXXX to address the late payment appearing on my credit report. I explained that the only late payment was a result of their system failure, which prevented my payment from posting on time. Despite acknowledging the technical issue on their end, they have refused to remove the late payment from my credit report. 

This situation is deeply concerning to me as it unfairly impacts my financial standing and ability to achieve important milestones such as homeownership. I have diligently maintained a positive payment history with XXXX XXXX prior to this incident, and I believe it is unjust for their system failure to penalize me in this manner. 

I kindly request your intervention in this matter to ensure that XXXX XXXX takes appropriate action to rectify their error and remove the late payment from my credit report. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation necessary to assist with your investigation.
Product: Student loan

Im in the process of getting my student loans forgiven ( PSLF ) through Mohela. During this process I noticed a five-year gap XXXX. When I inquired about this to Mohela reps I was told that since I filed for bankruptcy in XXXX, those payments would not count toward forgiveness even though I continued to make payments during that five-year period. At the time of the bankruptcy filing, I was told that student loans could not be included and that I was still required to make regular payments which I did. It seems that the Department of Education automatically coded my student loans as XXXX and did not notify me that they had done so. All of the payments that I made ( around 60 months ) just disappeared when it comes to the Department of Educations loan forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had a dispute with my former employer regarding an overpayment of wages. I had been injured on the job, however my employer denied my worker 's compensation claim. The injury occurred in XX/XX/XXXX and I was using my sick time. When all of my sick time was exhausted my supervisor reported my time incorrectly and I was overpaid {$3200.00}. I emailed my Payroll department to make payments arrangements however I did not receive a response. In XX/XX/XXXX I decided to retire and I thought payment would be taken out of my pension check ... however that did not happen. Instead my account was turned over to a collection agency ... 
( XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX X XXXX ) When I spoke with collections agency ... the representative stated if I paid the whole account off, it would not be reflected on my credit report. I checked my credit report and I see that this account will not be removed from my credit report until XX/XX/XXXX. I have called numerous time however the only information I have received from XXXX   is my account # XXXX. Therefore your attention to this matter will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have explained several times that I consolidated my XXXX XXXX car loan and credit card statement. XXXX XXXX still has the consolidation amount for both loans as well as the amount for just the car loan on my credit and they have it listed as two separate charges when they should only be one one of XXXX. The amount of {$9300.00} should not be there. Im looking for the incorrect account to be removed and only the consolidation account to show. Also my date to remove this off of my credit report. Keeps getting pushed back. I would like to change to reflect the original date at first. It was at the beginning of 2025 now is saying at the end of the year 2025 I want that fixed. The max on my XXXX XXXX card charged off at around {$5000.00} so how could that balance now be almost XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to my demand to remove someone else information from my credit report. It has been more than 30 days and I sent 2 letters to Experian about removing addresses that are not mine, are inaccurate, never belonged to me. I also asked Experian to delete a name that is not mine and sent them my social security card and utility bill with my correct name XXXX XXXX XXXX. I mailed a letter on XX/XX/2021 which Experian did not remove the information at the time and I mailed a 2nd letter on XX/XX/2021 about this information being removed. I checked my credit report today on Experian website and it still shows the name of XXXX XXXX XXXX and addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX