23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking XXXX and LVNV FUNDING TO REMOVE THIS CHARGE OFF MY CREDIT REPORT FOR SOME YEARS NOW AND NEITHER XXXX OR LVNV FUNDING HAS DONE SO. I HAVE SENT PROOF OF A COURT RULING IN MY FAVOR TO BOTH COMPANIES AND NOTHING HAS HAPPEND I THINK ITS REALLY SAD THAT THESE COMPANIES CAN JUST RUIN A PERSONS CREDIT AND NOTHING CAN BE DONE ABOUT IT THIS HAS CAUSED ME STRESS AND PROBLEMS WHEN NEEDING TO APLY THE USE OF CREDIT TO MY PERSONAL LIFE. THE RULING TOOK PLACE WAY BACK IN 2017 AND THIS COMPANY HAD THE NERVE TO TAKE ME BACK IN FRONT OF THE SAME JUDGE 2YRS LATER I WAS NOT HAPPY NEITHER WAS THE JUDGE THE RULING ENDED IN A JUSGEMENT FOR ME ( WITH PREJUDICE ) WHICH MEANS IT SHOULD NOT HAVE BEEN FILED AGAIN AFTER THIS JUDGEMENT WELL NOW IM HERE BECAUSE THEY STILL REFUSE TO REMOVE IT I NEED HELP AND ALSO WANT TO KNOW IF I CAN FILE A SUIT MY SELF AGAINST BOTH LVNV FUNDING AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and I noticed a few things to be incomplete and not accurate. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it shall follow certain procedures to ensure that the information that they are reporting is true and accurate for whoever the report relates to. 

This account XXXX XXXX # XXXX is not complete and accurate According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachments below :
Product: Debt collection

I sent a certified letter with return receipt to NCB Management Services on XX/XX/year> to request " Validation '' of an alleged of {$3100.00}. NCB Management Services has " Failed To Notify '' XXXX, XXXX, XXXX and any other consumer reporting agencies about the disputed Collection account found on my consumer profile which has NOT been properly validated. NCB Management Services is using an unlawful tactic known as " XXXX XXXX '' on my consumer profile without delivering required disclosures prior to furnishing data to the consumer reporting agencies. A " CEASE and DESIST '' of communication was requested in the Validation letter. XXXX activity and/or communication to third-parties has not ceased by my personal non-public information being shared without proper Validation or consent. NCB Management Services has been " Wilfully Non-Compliant '' with sending emails which had unsubscribed from, in violation of my consumer rights under the FDCPA. NCB Management Services is damaging my ability to obtain credit, and affecting my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I am filing complaint against Capital One regarding the deceptive practices.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about a recent experience with Zelle that resulted in a financial loss. While using the platform, I sent money to individuals who turned out to be fraudulent, and unfortunately, I was unable to recover the funds. I feel that Zelle did not adequately warn or inform me of the risks associated with sending money to unknown recipients, nor did it emphasize the lack of fraud protection for such transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

I settled an account to satisfaction. I ask the creditor to remove it from all 3 Bureuas. after it was settled. they refuse to. please help me with this matter.Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any XXXX loans to help me through this crisis
Product: Credit reporting or other personal consumer reports

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ITEMS to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be DELETED from my file right away XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter first class to XXXX, XXXX, and Equifax informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the Equifax data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within 14 days.
Product: Debt collection

On  XXXX / XXXX /   2017  I filed a complaint against a company. You assigned it case number  XXXX . On  XXXX / XXXX /   2017  you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.
Product: Checking or savings account

On XX/XX/XXXX, XXXX I called Capital One Dispute A representative answered.. I told her that I wanted to file a dispute on this particular hotel because they were charging my son account & we never stayed there. She said ok & because this wasnt authorized we have to issue you/your son a new debit card.. Itll take u to 5 business days. I said okay fine.. Two days later I noticed she disputed the wrong company. I called Capital One told the representative what happened as I stated above.. The representative transferred me to his supervisor. Again I explained to the supervisor as I stated above.. Me & the supervisor had a discussion about me being credited.. XX/XX/XXXX, XXXX I look at our balance & saw the account is- XXXX I look at the transaction history & its for the reversal amount they credited for at XXXX. So I called Capital One & told them I do agree with our checking account being- XXXX That was their fault & their loss. Our account should be at a {$0.00} balance. They disagreed. As soon as they fix our account Im no longer banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX XXXX  ARE REPORTING INVALID ACCOUNTS AND INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit reporting act several companies have violated my rights. 15 USC section 602a states i have the right to privacy and 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegally combined my information with someone else 's profile. They had the wrong address, email, phone number and social security number on their profile and yet they try and charge me for it. I've been disputing this for a year now and its to the point the where a lawyer should be involved. I haven't had an account with Navy Federal since XXXX and I was told that I can not open another account. Yet, in XXXX an account was opened and is on my credit report. Please address this company and have my their information removed from my credit report.
Product: Debt collection

On XXXX XXXX, 2025, I received an email from LJ Ross Associates about a {$330.00} debt allegedly owed to XXXX. The notice listed an incorrect and invalid address ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ), which is not my residence. Because of this, I believed the notice was a scam or sent in error and did not respond immediately. 

On XXXX XXXX, 2025, just 15 days later, the debt was reported to the credit bureaus, negatively impacting my XXXX XXXX. On XX/XX/XXXX, I sent a written settlement offer proposing a 50 % payment ( for the utility debt for my actual correct address ) in exchange for deletion from my credit report, but I have received no response after a month. 

I believe this situation involves unfair debt collection and credit reporting practices, and I have made a good-faith effort to resolve it.
Product: Debt collection

RMP Services LLC sent me a letter recently saying As of XX/XX/2022 I owed {$1600.00}, I paid or was credited {$1600.00}, and I owe them {$75.00}. 

They said it is with University of XXXX XXXX XXXX XXXX, however I have a payment plan with them and those amounts are completely off. It seems like a scam since I called University of XXXX XXXX XXXX XXXX billing department, and they told me they don't even work with RMP Services LLC work with this debt collector. As well I owe them {$490.00}, so the numbers are off. I just am concerned they could somehow report on my credit even though it isn't legit. Thank you!
Product: Debt collection

I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX  who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.

My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX  and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : SYNCH-******************* Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


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

On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately
Product: Student loan

Took private loans to cover tuition costs after federal aid was not available, on or about XX/XX/XXXX. The private loans I understand were owned by " XXXX XXXX '' with unreasonable high interest rates such as 12.500 % on a {$15000.00} and 14.375 % on a {$15000.00} principle. Navient, formally XXXX XXXX, has refused to provide any banking institution information that I could use to help re-finance any of the high interest student loans. I called Navient today, XX/XX/XXXX to inquire again about possible refinance options to lower the interest rates but told that I would need to contact a 3rd party and again refused to provide information on which bank ( s ) own my student loans.
Product: Debt collection

I do not believe this debt is valid. Ive never heard of this debt before and it says the account is still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 & XX/XX/22 I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my credit report and noticed multiple accounts with inaccurate information. I have sent numerous dispute letters to the consumer reporting agencies regarding my student loans. XXXX has paid the balance and late payments were left in my account. I was told that if I submitted certain information, that the late payments would be removed, and they have not been removed. I have found inaccurate information regarding these loan late payment dates. I am asking for a quick and thorough investigation in this matter. All evidence will be attached to this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through Capital One. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for {$950.00} and another for {$16000.00}. then my payment plan started XX/XX/XXXX for {$200.00} a month. On XX/XX/XXXX I made my last payment of {$94.00} that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today Transunion reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX  Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXXXXXX DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.