23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a six months ago, I received a dunning notice in the mail from Procollect , Inc, which is a third party collection agency located in XXXX, Texas. Apparently, this notice was sent in reference to an alleged debt that was created by a broken lease from XXXX XXXX XXXX, located in the same city. 

On XX/XX/XXXX, I mailed Procollect, Inc. a letter requesting validation of this alleged debt in accordance to Texas Finance Code 392, which states that a consumer has the right to request full proof of the validity of a debt -- along with some kind of formal proof of contractual obligation which binds me to said debt ( i.e., a contract with my signature on it. ) Procollect, Inc. received my debt validation letter on XX/XX/XXXX ; and therefore, had until XX/XX/XXXX to furnish this information. 

About two weeks later, I received a response in the mail from Procollect, Inc., from what appeared to be an attempt at debt validation, but after full careful review of those documents ; unfortunately, they 've fallen short of the XXXX 's full validation guidelines.
Product: Checking or savings account

On XX/XX/XXXX of this year, I opened my checking account on Citi online, before that I called the bank to ask if I could have one since I live in Texas and there are no branches here they said yes so I did. 
I then recieved my debit card on XX/XX/XXXX and I transfer funds from my other bank to here. I Just transferred {$800.00} dollars. 
The main reason I opened the account is because I also bank in XXXX  which is a bank from the same company of city but in XXXX  which Ive had no issues at all And I wanted to be able to transfer funds from these 2 accounts if needed, because Citi states that you can do that between 2 Citi banks even if theyre from another country So I sent {$100.00} to see if I would get the money the same day, so I did And I then sent the remaining {$700.00} and my account was blocked and it said error MFA and to call the bank I called the bank on XX/XX/XXXX and they told me they couldnt verify my account even tho I have the number and email I use to open the account So they said the would sent a letter to my house to verify my identity in 7 days, and I never did, I had called the bank and they keep hanging up on me, they tell me theres nothing they could do And I cant log in, transfer anything, use my card So they have my money and I cant use it and Theres no one I can talk to
Product: Credit reporting or other personal consumer reports

I've tried on multiple occasions to remove an address from my credit file. I've provided copies of my mailing address, and my physical address. They refuse to update my profile, which is a violation of 15 USC 1681 e b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need XXXX and Equifax to follow suit on item removal
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.
Product: Credit reporting or other personal consumer reports

On my XXXX report XXXX dont have any collections, XXXX closed accounts and XXXX open accounts. On my Equifax and XXXX there are different numbers of closed, open and collections accounts. 
Please verify, accounts should be removed for inaccurate information.
Product: Debt collection

In XXXX 2014 I received a collection notice from FCO regarding a debt I had never been notified of before. I asked them via certified letter for 1 ) a verification the debt was mine, 2 ) who owned the debt, and 3 ) exactly what the debt was for ( since the creditor listed had never contacted me ). I also demanded they quit calling my work phone number and to cease collection activities unless written verification of the debt could be provided. 

They never responded to my request for written verification but instead unlawfully reported the debt to the credit bureaus. They also have left threatening voicemails on my work phone number, but refuse to provide any details on how the debt was calculated.
Product: Debt collection

ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Debt Validation Request and Credit Report Dispute under XXXX XXXX Compliance and Federal Law Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the account referenced above, which is being reported on my credit file by your agency. This account is in violation of XXXX XXXX compliance standards and federal credit reporting laws under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 

Despite my previous disputes, you have continued reporting this collection account to credit bureaus without sufficient validation of the debt, thereby violating the accuracy and compliance requirements of XXXX XXXX standards. Under these laws, I am exercising my right to request the following : 1. Validation of the debt in full compliance with the FDCPA : A copy of the original agreement with my wet-ink signature proving I agreed to this debt. 
A detailed accounting of the original balance and how it reached the amount of {$520.00}. 
Documentation proving that your agency has the legal right to collect this debt. 
2. XXXX XXXX Compliance Documentation : Confirm that this account is being reported correctly and in full compliance with XXXX XXXX reporting guidelines, including accurate status codes and permissible dates. 
3. Immediate Action to Cease Reporting Until Verified : As this account remains disputed and unverified, you must cease reporting to credit bureaus immediately under 15 U.S.C. 1681s-2 ( a ).

Failure to comply with these requests within 30 days will result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I may also seek damages for harm caused by false reporting under 15 U.S.C. 1681n and 1681o. 

If you are unable to provide the requested documentation, this account must be deleted from all credit reports. Continued failure to comply will leave me no choice but to pursue legal remedies, including a lawsuit for violations of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

This is for XXXX and Transunion both still reporting information on both my XXXX account to show XXXX plus in late payments which isnt true whatsoever. This account was closed and paid in full. XXXX also if called or if Transunion or XXXX would actually make a call to XXXX they would quickly find out they have no record of me ever even having account let alone any sort of payment history! They had a system wide purge which cleared not only my information but everyones they continue to report false information. XXXX is the only reporting agency to actually take it seriously and call them on conference with myself to verify the proof. Not to mention I have mailed literally copies of emails from XXXX admitting they have no information on me even with social security number provided, dob, and credit card number. They cant pull up nothing. In regards to XXXX XXXX XXXX is the only one to fix as well and remove the one false late payment reported and it actually updated today for both XXXX and XXXX XXXX on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : My name is XXXX XXXX XXXX. I have written to the credit bureaus numerous times, in hopes of disputing incorrect information on my credit reports. I have reviewed all incorrect information, and each time I have been asked to contact each individual agency should I contest any findings. This is a time consuming process, in which each bureau should take very seriously. My frustrations lie in the fact that each bureau reports differently, including different scores. Most times different bureaus have outdated information, which should be updated once a dispute has been challenged with one of the respectable agencies. THIS IS NOT THE CASE!! 

The purpose of this letter is to inform you that, while I understand the need to fact check, some concerns DO fall short. As was the case with my initial dispute. On XX/XX/2021 at approximately XXXX EST, I reviewed my credit report. Per usual I looked over EVERYTHING attached to MY name. 
I came across a few unfamiliar addresses. One of the addressed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX. My XXXX search yielded a name of XXXX XXXX, and a business name of XXXX XXXX. 
A number did pop up of XXXX. A woman answered by the name of XXXX. I inquired, why my name was attached to her business. She advised that she was physically located in Arizona. For this reason this company should be thoroughly investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i have attached the FTC report and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize please see attach ftc.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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

Please be advised this is my THIRD WRITTEN REQUEST. 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?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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.

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 deleted immediately. Below I have marked the multiple inaccuracies that are being reported on my credit profiles.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding AMEX and XXXX. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information.

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately.

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on AMEX and XXXX. Please see screenshot attached : Sincerely, XXXX XXXX
Product: Debt collection

Upon reviewing my credit report I saw that XXXX placed me in collections for something I do not owe them. I tried to resolve it directly with XXXX as XXXX is listed as the collector, but was referred to a 3rd party collection agency Valor. I immediately requested a validation/verification of debt which the representative told me does not exist. He kept trying to verbally tell me I owed XYZ amount. I sent a formal request for debt validation via mail and still have not heard a thing. Meanwhile Valor calls me so many times a day Ive had to block the number.
Product: Debt collection

I HAVE REACHED OUT TO THIS COMPANY REGARDING THEM REPORTING THIS STUFF TO MY CREDIT I HAVE REQUESTED THEM PROVIDE ME VALIDATION OF THE DEBT THEY SAY I OWE BUT THEY SENT STATEMENTS THAT DONT BELONG TO ME!
Product: Checking or savings account

My dba being used fraudulently through wells Fargo along with different identities I solely have owner XXXX of smalltexasconnected entertainment
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion Credit Bureau XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

I submitted the Public Service Loan Forgiveness application in XXXX of 2021. I have called several times and have not been able to get through the line. I was on hold for hours, and when I made contact with someone, the call dropped and I was not contacted. It took me XXXX hours to get in touch with someone again. 
In between making contact, I was placed on a queue and then the call was dropped again. 

I finally made contact with someone again and requested to speak to someone with to whom I might express my concerns regarding my efforts and inability to get in touch with anyone. That person asked that I hold and the call was terminated. I called seven times. I was on hold several times and easily spend five hours making a concerted effort to make any sort of contact. There is no email options for people like me who may not have an account with Fed Loan, though work with Fed Loan for the PSLF. 

Additionally, Fed Loan indicated that they sent a letter in the mail- I have not received such letter and there is a significant delay in any contact, which can affect the outcome of my loan forgiveness. I consider myself a patient person and the institution fails the client - not the workers, rather the system there itself. It's embarassing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions taken by Equifax, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX regarding the sharing and reporting of my private information, which I believe flagrantly violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other pertinent statutes. According to Section 602 ( a ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies such as Equifax and XXXX, XXXX, are obliged to carry out their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Furthermore, Section 6801 of Title 15 of the United States Code emphasizes that financial institutions, including XXXX XXXX XXXX XXXX XXXX, are under a continuous obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information. As delineated in Section 604 ( a ) ( 2 ) of the FCRA, consumer reporting agencies may furnish consumer reports solely upon the written instructions of the consumer to whom the information pertains. I have not furnished written consent for the dissemination of my information by XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX or XXXX. Consequently, any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. XXXX XXXX XXXX XXXX XXXX, has neglected to provide me with this crucial information, thereby depriving me of the opportunity to exercise my right to opt out. Moreover, the dissemination of adverse information without my explicit permission, as stipulated in Section 1681C ( a ) ( 5 ) of the FCRA, constitutes a clear violation of federal law. Equifax and XXXX, and XXXX. are reporting adverse information without my consent, which is in direct contravention of legal statutes. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while Section 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Equifax, XXXX and XXXX, are failing to comply with these essential requirements, as evident from their actions. Furthermore, in accordance with 12 CFR 1016.7, I hereby exercise my unequivocal right to opt out of your reporting services. I demand that all reporting activities pertaining to my account be ceased with immediate effect. Moreover, I would like to bring to your attention that, as per 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of these grave violations of my rights as a consumer, I demand that Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX take prompt and decisive action to rectify these transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD 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 items 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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Block inc ( part of cashapp ) sent me a XXXX for money received for cashapp business account for {$7500.00} in XX/XX/year>2024. I do not have a cashapp business account I previously had a personal cash app.account that was used in XXXX of 2024 for a small.personal transfer of {$100.00} no transaction history since then and account is closed. Someone has opened an an account for business purposes under my social security number cashapp support is of no help at all they will tell me nothing at all and can not get this corrected nor will they find the account to close and mark it fraudelent so it will not continue to be used.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.
Product: Debt collection

Doctor was paid by insurance after they appealed due to 'out of network ' status. Doctor chose to accept insurance payment and write off remainder. I have statement from doctor 's office showing XXXX balance that I owe. Debt collector, however, apparently did not receive the settlement notice from the doctor 's office and is continuing to pursue the balance from me a year after doctor 's office accepted settlement.