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

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX, XXXX, XXXX, XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Debt collection

I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XXXX of XXXX. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XXXX XXXX pm. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. Fenton Law Firm sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.
Product: Checking or savings account

There were unauthorized charges on my account from a merchant, and I reported it with my bank and they disputed it. The merchant sent me emails claiming that they submitted a charge rack and apologize for the unauthorized charges. However, my bank declined the dispute, saying it was authorized when it was not, and they refused to release the chargeback that the merchants already sent back to my account to me.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

-- Company or Organization : COLLECTION Date fraud began : XX/XX/2023 Date that I discovered XXXX XXXX fraudulent amount {$300.00}.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries that are not mine. I did one hard inquiry in XXXX. I have not applied for anything in XXXX.
Product: Debt collection

I have been with XXXX for 12 months at my previous address. Upon my move I 've returned all the XXXX equipment. I 've also had Home Security. I purchased a new home and XXXX does not service in the new location. So I 'm forced to find a new provider. XXXX has now charged my account {$800.00}. Stating that I am in violation of their 3 year contract. I spoke to a rep on XXXX and she assured me that the issue would be taken care of. I then called today XXXX to follow up and I was told by XXXX XXXX ( XXXX ) that she could not remove the {$800.00} charge from my account. I also received a letter from Credit Management LP and the debt has been placed for collection. I have been a loyal customer for over 10 years and I find this quite threatening that XXXX would treat their loyal customers with such disrespect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few paid in full closed accounts on my report that I would like to request to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Based on the documents synchrony Bank has provided none of the documents has my name on it but a account statement and a delivery receipt..A check with with XXXX XXXX name on it showing the last payment made. Loan agreement sign by XXXX.The guy at rooms to go ask for my personal information so i would be able to sign for the furniture if XXXX XXXX was n't at home he also advise that i could n't apply for a loan or cosign because i was unemployed at the time.Once the loan went delinquent Rooms To Go, Ge Money Bank, Synchrony Bank did whatever they wanted to with my personal information after i was advised by Rooms To Go it would only be use for delivery purpose only.I have uploaded supporting documents showing who is liable for this debt. This was a walk in purchase from Rooms To Go store XXXX XXXX XXXX, XXXX XXXX XXXX, NC.XXXX
Product: Credit card or prepaid card

I have a XXXX credit card and was never told that they are charging me a extra fee for interest... I pay over my payment amount .. my bill amount is {$120.00} and I pay {$650.00} or {$250.00} never below XXXX and then they charge me a extra {$68.00} to {$75.00} extra a month for interest for items I have already paid interest on
Product: Debt collection

I contacted Firstsource Advantage Certified Mail back in XX/XX/XXXX. After signing and receiving my dispute letter on XX/XX/XXXX at XXXX XXXX, Firstsource Advantage FAILED to ever respond back to my dispute letter that they signed and received. 

As a result of Firstsource Advantage ignoring my dispute letter that they singed and received back in XX/XX/XXXX, I have re-contacted the Federal Trade Commission in XX/XX/XXXX and I have filed yet another Federal Trade Commission complaint against Firstsource Advantage LLC. The FTC file # 's against Firstsource Advantage are XXXX & XXXX. My complaints are for the following : -Failing to respond to my initial dispute notice received on XX/XX/XXXX, XXXX USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX -Failed to contact me with a notice that advised me that their office purchased this account and allowing me the right to dispute within 30 days -Failed to contact me at all. Failed to provide me with anything at all. Instead, Firstsource Advantage purchased the account and placed it on all 3 credit reports. I would have never known about their illegal and deceptive practices if I had not obtained a copy of my credit reports -Illegally pulling my credit reports without my consent or prior knowledge, leaving credit pull inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXX AR XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX CONNECT ( Original creditor : XXXX XXXX XXXX. ) XXXX  Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$4100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint regarding the 2 accounts that do not belong to me. XXXX and XXXX. These accounts were removed from my Credit Report and then re added. This violates my rights under the FDCPA. How can an account that is clearly identity theft reappear on my report?
Product: Debt collection

On XX/XX/XXXX of 2019 I went to have my braces removed because I could no longer afford to have them. I was made to sign a document stating that I was going to have them removed for that reason. Services were not provided until payment was made on that same day. After a brief review of my credit report, I discovered that XXXX XXXX XXXX XXXX placed my account with Receivable Recovery. Receivable Recovery has never called me, has never sent me validation of this debt, and has made derogatory marks to my credit without my knowledge. Under the FCRA, it is illegal to report a debt without first providing notice of your intention to do so. This information will be disputed as well through XXXX, which will be inclusive of proof of payment. Proof of payment will be provided to the CFPB as well. The agency has 15 days to correct their records before I consider legal action against blatant FDCPA and FCRA violations.
Product: Checking or savings account

To who it make concern XXXX XXXX XXXX I'm contacting you about some very odd feedback on banks accounts I have that I feel have be tambered with bye the financial services who I have banked with. 
XXXX is XXXX XXXX  XXXX  the others are Becu, XXXX, XXXX XXXX XXXX and let not forget XXXX XXXX that I closed physically in XXXX of XXXX. 
Please concetor I the account follow have very much try to communicate with these financial institutions who I am the sole account owner and have not had any good results in coming to a professional matter by the follow above. 
Thank for having this service you provide. 
Today 's Date XX/XX/XXXX. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 my 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 those account 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  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

Hi, This company LVNV Funding LLC continues to report to all 3 credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked LVNV Funding LLC to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with LVNV Funding LLC 1. ) {$1000.00}, shows opened on XX/XX/XXXX, 2. ) {$670.00} shows opened on XX/XX/XXXX, XXXX. ) {$4800.00} shows opened on XX/XX/XXXX, and 4. ) {$430.00} shoes opened on XX/XX/XXXX I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft I have been unable to get things removed from credit report because the companies involved still try to say it is my account. When it is not. VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I became aware of late account. Balance was {$44.00}. Contacted Comenity Bank. Late fee was reduced and balance paid in full {$29.00}. Also recieved letter Comedity would update delinquency reported by them for XXXX and also XXXX as current.This letter was dated XXXXHowever, Comenity reported this account delinquent on XXXX XXXX. 
I have made several phone calls about the inaccurate reporting. The agents cant explain why this was done. I was told to take it up with credit bureau. This inaccurate reporting caused my credit score to drop! I am worried Comenity is abusing my reports
Product: Mortgage

On XX/XX/2021, a complaint was filed against XXXX XXXX Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX through my checking account at Bank of America XXXX 
An investigation conducted by a XXXX XXXX Mortgage, on XXXX found, the XXXX XXXX payment was returned to the Bill Pay Department XXXX Bank of America XXXX XXXX XXXX, and therefore, I should contact Bank of America for XXXX XXXX recovery. 
I have contacted Bank of America several times and requested, that the payment received on XXXX XXXX from XXXX XXXX Mortgage XXXX credited to my checking account at Bank of America XXXX So far, Bank of America has not complied. 

My request is, to have Bank of America XXXX the XXXX XXXX XXXX XXXX Department XXXX Bank of America and locate the returned payment in the amount of {$3400.00}. 

Please note. XXXX XXXX claims, XXXX mortgage payments were returned to Bank of America on the following dates : XXXX ) XX/XX/2021 ( Not Credited to my account ) XXXX XXXX retuned to XXXX XXXX Department at B of A. 
XXXX ) XXXX XXXX ( Credited {$3400.00} to my account ) XXXX ) XXXX XXXX ( Credited {$3400.00} to my account )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years
Product: Credit reporting or other personal consumer reports

I have an identity theft credit card reporting on my XXXX and TransUnion credit files. The Account is XXXX  XXXX, Account # XXXX, XXXX  XXXX case # XXXX for XXXX XXXX dispute and case # XXXX for second request to XXXX  XXXX on XXXX XXXX. I certified mailed a letter explaining to XXXX XXXX this account was identity theft. I also attached a FTC Identity Theft report with a request to remove this item. 

The account was removed in XXXX and XX/XX/year> from all three bureaus, but XXXX and TransUnion decided to re-insert this fraudulent identity theft account and state that it was verified by the XXXX XXXX. I have attached 23 documented proof and correspondence between the credit bureaus, XXXX  XXXX and myself. I have requested documented proof from XXXX XXXX because they stated, " Their research found no fraud ''. When I requested proof of their investigation, I get nothing from them. I am requesting this fraudulent account be removed from my XXXX and TransUnion credit bureaus. XXXX has already removed this fraudulent account.
Product: Credit reporting or other personal consumer reports

Three Fraudulent Loan have been opened by a thief who stole my information. The first loan was opened in XXXX for {$3300.00} the second in XXXX for {$3000.00} and the third loan for {$1700.00}. After the first loan I had already send them an Identity Theft application with all the information they needed. But they still approved two more loans after during theyre investigation into the first loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Product: Credit reporting or other personal consumer reports

The unverified account 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint with you guys back on XX/XX/XXXX and XXXX in the complaint department said on XX/XX/XXXX that they mailed me the resolution in the mail but as of yesterday XX/XX/XXXX I have not received any response from them and I have emailed her letting her know 3 times now but she hasn't responded to me. So this is a follow up complaint because they again lied apparently since I haven't received anything in the mail from them whatsoever.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.