23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTN : REGISTERED AGENT FOR SELF FINANCIAL , INC Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports Remove all remarks or comments off my consumer report. 
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 





1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor. 
5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful.

11. Documentary evidence that this agency is in fact the holder in due course.

12. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). 
Please provide the name and address of the bonding agent for SELF FINANCIAL, in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.

Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. 
Your prompt attention and response is both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

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

I am bringing suit against XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX to recover damages stemming from violations of XXXX. 
XXXX ID : XXXX issued XX/XX/XXXX This is the fifth time XXXX has deceptively reported a current loan as past due greater than 30 days and over 60 days that was current. They have done this five times in the last 9 months. XXXX is fraudulently reporting this loan as charged off and owing {$860.00}. However I received written communication dated XX/XX/XXXX that the amount they're claiming owed is {$420.00} by XX/XX/XXXX. I have written XXXX and dispute the validity of this debt and ask for full explanation and have not received a response or acknowledgement by XXXXof Texas. However, I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loans. Loan ID are XXXX XXXX XXXXXXXX XXXX ID : XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX ) and XXXX ( issued XX/XX/XXXX paid in full XX/XX/XXXX ). This has caused me irreparable financial harm with far reaching consequences preventing me from getting approved for housing. I am seeking full monetary relief due to significant drops in my credit rating.
Product: Credit card

On XX/XX/XXXX, I was in the XXXX airport, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying XXXX {$250.00}, I would receive XXXX XXXX XXXX XXXX as long as I spent XXXX {$3000.00} in less than XXXX months. 

I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. 

I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent XXXX {$6100.00} until XXXX and paid the annual fee in my first payment. 

When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. 

Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. 

I would appreciate your help as Amex can solve this matter they created. 

Thank you, XXXX
Product: Credit card or prepaid card

I have been dealing with this problem for a Year. I've had XXXX companies that have had accounts opened in my name by my father. These companies are called Boeing Employee Credit Union XXXX XXXX XXXX There is also a Collections account open that was previously removed XXXX XXXX XXXX XXXX XXXX I need these accounts and collection removed as they were opened fraudulently in my name
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the inquiry remained. This issue has left me frustrated, and I need the documents I provided to be reviewed carefully to prevent any future concerns.
Product: Credit card or prepaid card

While checking my credit card balance online, I noticed a {$14000.00} charge that I did not authorize or initiate on Saturday XXXX XXXX, XXXX. The charge was " pending '' and had been initiated on Friday XXXX XXXX, XXXX. Upon my discovery of the charge I immediately contacted the card issuer, M & T bank via e mail and followed up with a phone call. To date have been advised of their " investigation '' and that they are awaiting " release '' of funds. This fraudulent charge as well as a balance transfer fee have remained on the account. In my initial phone conversation with someone at M & T, someone had apparently contacted them ( M & T ) with sufficient personal information for them to do a balance transfer on Friday XXXX XXXX, XXXX. 

M & T 's disclosure states that my liability is limited to {$50.00} if I were to be careless with the disclosure of my account number or card, which I have not been!! 

To date I have not received any relief and have had several e mails stating that they are awaiting release of the funds in order to be credited back to my account. And thanking me for my " continued patience. '' A new card/account number has been issued.
Product: Payday loan, title loan, or personal loan

I contacted the lender regarding the advertisements that I have been allegedly pre-qualified to receive. When I went to apply, I was bewildered that my credit score from six months ( XXXX ) popped up and I was locked into a loan with a five-year payback period. As a returning customer, with two previous loans paid in full, I am confident that the business is executing unethical measures to assess higher interest rates and to participate in predatory lending. As of today, my credit score is nearly 100 points higher and I was unable to elect for them to pull my new credit.
Product: Debt collection

CONTINENTAL CREDIT CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Performant recovery never performed any audit in reference to XXXX XXXX office inXX/XX/2018 

XXXX then notified a healthcare insurer that an audit WAS performed inXX/XX/2018, allowing the insurer to illegally recoup {$8400.00}. 

XXXX XXXX, President of Performant and XXXX XXXX, XXXX of XXXX XXXX at Performant continue to deny this fact despite having no evidence of any audit nor evidence of any review. 
XXXX XXXX provides fraudulent information to insurers.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  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 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 that are reported 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 XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$470.00} ), DEPT OF ED/XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2000.00} ), XXXXXXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$2800.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX XXXX Credit limit {$300.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the building that I live in is managed by them since Covid they been Putin information on my credit report that shouldnt be on my credit report even a late shouldnt be on the credit report because it was dealt with with Covid. This is affecting my credit score and I cant move anywhere, theyre trying to do that so they can have the upper hand on me while we are going to court with the unlawful detainer. I asked several times for them to take it off Trans Union everywhere took it off except Trans Union.
Product: Credit reporting or other personal consumer reports

XX/XX//2025 I am disputing the XXXX account listed on my credit report ( Account # XXXXXXXX ) for {$3100.00} because the furnisher of this information, XXXX, has not provided proper documentation or verification of the debt as required by law. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], credit reporting agencies are required to investigate disputed information and delete any information that can not be verified. Additionally, if XXXX can not provide proper documentation verifying the debt, the account must be removed from my credit report. 

To date, XXXX has failed to provide any evidence of this debt, including : Signed agreements or contracts linking me to the account. 
A detailed billing history validating the {$3100.00} amount. Experian has already come back today XX/XX/2025 and without the information requested and denied removing the account.
Product: Credit card or prepaid card

A charge of XXXX showed on my Capital one credit card that I rarely use, I called XXXX which was claimed they charge me and XXXX denied any charge on my credit card we did conference call with Capital one and XXXX confirmed they did not charge me also they sent me in email as such, and I reported to the FTC ( Report Number. Capital one removed the charge then, this month I saw the same charge again, I called capital one and they keep transferring and finally hang up. 
Emails from XXXX are attached showing they did not charge me and perpetrator is the Capital one.
Product: Mortgage

My name is XXXX XXXX. I had a loan on a property through XXXX. I set it up on auto-pay so I wouldn't have to worry about it. 
Yesterday I pulled my credit and saw that it was down to a XXXX XXXX   score. I have been close to an XXXX beacon forever. I found out that LoanCare bought out my loan at some point this summer and I'm now showing 5 months delinquent. When I called to find out what was going on, they told me they notified my by mail that they now had my mortgage and I needed to pay them. They showed my primary residence as being the same home their loan was on in Oregon State. I live in Washington State and received no call, no mail, nothing. I set up my auto-pay in good faith so I wouldn't have to worry about it and now my credit is affected. They told me to email to try to resolve it, but when I emailed the address they gave me ( customersupport@myloancare.com ) I received an automated email telling me that the email address is no longer monitored. I called again and was told I had to file my issue through my online account. I called again and asked to speak with someone who could resolve it and was told the ONLY way to fix it was to create an account, agree to all the terms and write an email through that portal. The disclosures I had to agree to weren't legible and I had to proceed without understanding what I was agreeing to. I believe they're attempting to collect fees, penalties and additional interest by not making proper attempts to notify customers of the fact that they took over their loan. This mortgage was set up on auto pay so I wouldn't have to worry about making the payments. It's not my primary residence and I'm never there. At no time in the past 5 months was I notified my mail or by phone that LoanCare took over my loan. 
I'm trying to find their info on the XXXX  to file a complaint and I can't find them anywhere. They won't talk to me on the phone. I told them that I just want to pay the total of all payments and I want them to contact the credit bureaus and repair my credit. I've never paid a late payment in my life and having my credit score drop by 150 points  because this shady operation didn't do their due diligence to find out where I actually live or call me is ridiculous. I believe they're trying to fraudulently collect unjust penalties, fees and interest by not making valid attempts to contact their new customers to make them aware of the fact that they bought their loan out. 
Please help. I simply want to pay the total of my payments without fees or penalties and have my credit fixed. 

Thank you. 

XXXX XXXX
Product: Debt collection

Portfolio Recovery A, says I opened a account with them XX/XX/2023 on my credit report and is reporting its still open with XXXX XXXX XXXX XXXX, I would like for this account to be deleted off my report and i have been getting numerous calls about this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process. The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of th
e disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX, & Equifax continue to report the account XXXX XXXX XXXX  Account # XXXX incorrectly. Financial institutions do incur losses at all. They are FDIC insured which means the account is covered and can not be charged off. They also have no access to my financial records to obtain them to verify late payments. If they do this is a violation of my privacy. If they do not provide me with the evidence to prove what they are reporting I will sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries in XX/XX/XXXX both through the website and on the phone. They have not removed them. I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Dept. Stores Phone Number Address XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX/XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number MAIL ONLY Address XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either XXXX ) XXXX XXXX has failed to report this status accurately, or XXXX ) XXXX, Equifax, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX no acoount number cause i didnt know it happened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX got XXXX  and went to the XXXX. i just learned the they put a XXXX $ collection on my credit which i had no idea the XXXX  would do that the name of the collection RECEIVABLE MGMT GROUP and according to 15. U.S.C. 1692C the violated my rights by unlawful communication so please remove this from my credit account
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

www.clover.com CLOVER XXXX XXXX XXXX XXXX XXXX XXXX  This company started holding my funds from XX/XX/XXXX - XX/XX/XXXX and decided to close my account on XX/XX/XXXX. Clover, then wrote a letter to our company stating that it would take 30-90 days for us to receive the funds for any potential chargebacks, which we understood and we were patient and waited the full 90 days and we still have not received our funds that were on hold by them in the amount of {$5800.00} US Dollars. Our company has tried multiple times to reach out and get this resolved and we have not received any response. Our small business is family-owned and we opened during the COVID-19 pandemic and have struggled to make ends meet during this time and for this XXXX XXXX  CLOVER to hold our funds for past the 90 days is very unfair and to not have any response by them is extremely frustrating. We hope we can get this resolved by your help. Thank you