23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Product: Credit card or prepaid card

My credit report shows a lot of accounts that were opened as a result of someone applying under my name and credit information. I called XXXX XXXX several times to report this crime but they have not closed this fraudulent account. In addition, I have provided them with a police report, yet they continue to still leave this account open, enhancing new opportunities for more fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted XXXX- ( XXXX XXXX XXXX XXXX ) about my discharged student loan account being reported incorrectly. XXXX then sent a electronic deletion request to Equifax to delete the 2 trade lines from my Equifax report. After submitting I contact Equifax on the status of the request on the XX/XX/XXXX and  was told request was request was received but account were only updated to XXXX balance and paid collections. I then Contacted XXXX again the XX/XX/XXXX and informed them of the accounts where not deleted. Another electronic request was sebt by XXXX on XX/XX/XXXX to  delete the trade lines and again request was ignored. I then faxed into Equifax the letter of deletion request XXXX sent to me to Equifax son XX/XX/2018 and again equifax ignored the request. XXXX has sent 2 request on XX/XX/XXXX and XX/XX/XXXX to equifax to delete the trade line. As of XX/XX/2018 both XXXX trade lines Account # XXXX remain on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting

Equifax , XXXX, and XXXX is fraudulently keeping a transaction on my credit report for an apartment complex when it knowningly has been reported as false.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ XX/XX/XXXX in the amount of XXXX $ Ive disputed these accounts several times and theyre keep coming back as accurate. But because my XXXX was in a data breach I feel these negative items should be removed from XXXX and XXXX because of the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XX/XX/2018 with them continuing to report this credit card on my XXXX  credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$670.00}
Product: Mortgage

I had a second mortgage with Ocwen and in 2012 I filed a Chapter XXXX Bankruptcy. During the Bankruptcy they continued to report negative and inaccurate information stating that I was over 150 day past due, which is against the bankruptcy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items 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 these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance XXXX {$1200.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$1800.00}. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.

( it also states, a consumer reporting agency can not furnish an account without my written instructions under 15 used USCS 1666B a creditor may not treat a LATE payment on a credit card account under an open and consumer credit plan as late for any purpose. Please update to paid on time because the information being reported is NOT accurate
Product: Debt collection

I have my credit frozen with all three credit bureau 's for the last XXXX months and have the XXXX XXXX Police continuing to investigate my identity being stolen. I was made aware today that {$26000.00} in debt is attempting to be collected from a company that was granted to an address in Florida that was not myself clearly. I am uncertain how this was granted as XXXX notified me of the credit report change, but my information is frozen with all three credit bureau 's so how this was bypassed I am not sure, but very alarmed. 

The company attempting to collect the debt and sending me a fraud packet goes by the name of IQ Data International.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE help... THIS IS NOT A TEMPLATE... PLEASE HOLD THEM ACCOUNTABLE>>>I have reached out to TO : EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX several different times ( 6months ) to remove a address and 4 fraudulent accounts but they keep telling me that they cant remove the address because its connected to 4 fraudulent accounts THAT ARE NOT MINE. I called the data Furnishers and i have also walked inside the banks to ask how are they VERIFYING the accounts if its not me ( i have not VERIFIED NONE OF THE ACCOUNT )... THESE ACCOUNTS ARE INACCURATE AND IM SEEKING LITIGATION : My CURRENT True legal FIRST & LAST name XXXX Street NUMBER & Street NAME, CITY and STATE is & ONLY IS : EXACTLY as Follows : XXXX XXXX XXXX. 
XXXX, XXXX XXXX, XXXX, Mo. XXXX I DEMAND, as is my consumer right ( XXXX ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT. 

SIR/Maam, these accounts are inaccurate and i am seeking litigation please delete at once : this address XXXX XXXX XXXX XXXX XXXX Missouri XXXX and These ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( *15usc code 1681n Civil Liability for willful noncompliance. 

EXPERIAN is in violation of 15usc 1692g. they were suppose to notify me in writing 5 days prior, BUT I WAS NOT.As the original creditor, im the only one that can validate this debt. I DID NOT VALIDATE THIS DEBT OR ADDRESS. Experian broke 15 usc 1692k -civil liability, please have the accounts removed for breaking the law or pay the {$1000.00} fine. 

In GENUINE Sincerity, My CURRENT True legal FIRST & LAST name , Street NUMBER & Street NAME, CITY and STATE is & ONLY IS EXACTLY as Follows : XXXX XXXX XXXX. 
XXXX, XXXX XXXX, XXXX, Mo. XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

back in 2016 in XXXX XXXX companies called my house one was XXXX XXXX I doid not accept the offer how did they get my number I do not know the other one was XXXX  and I told the person on the cell phone not to bother anymore recive XXXX more calls again and finally blocked the phone number, a month later after the incident my computer got a blue screen and the number XXXX XXXX  on site showed up I called the company and asked why the locked my computer they said they could not get in remotley unless I give them authorization I hanged up shut it off and changed the XXXX XXXX my self after that all seemes normal had to change pass word and recover my bank information all seemed normal a few months wanted to get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when the loan company XXXX XXXX  informed me of XXXX passive accounts XXXX and XXXX and XXXX called XXXX companies no response called and a machine answered I am asking help
Product: Debt collection

Reported debt that has not been validated or verified to the credit bureaus. 
Ignored the timely sent request to validate debt, continued calling after written request to cease all but written communications, and reported the unvalidated debt to all credit agencies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
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 XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Checking or savings account

I have presented transcripts, w-2 forms in person and I requested a XXXX form shipped from the irs to the headquarters of Fifth Third Banking before I had one sent to my home to bring in person The fraud department has been unreachable after Ive presented them everything they asked they decided to close my account, They requested irs to email them certain things when theyve explained that the irs doesnt email and expose information of sort They have maliciously held my money for 2 months with no communication..
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used to open an online account with myEquifax.com, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, also on XX/XX/2022, case # XXXX, I called Equifax at XXXX, and XXXX, to have the illegal account that was opened with my identity closed due to my identity being used to open an account with myEquifax.com, I have an police report case # XXXX, also on criminal complaint submitted with the state of Michigan, case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax, XXXX and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from Equifax, XXXX or XXXX. I want these late payments and inquires removed because Equifax, XXXX and Equifax have failed to respond to my request in my XX/XX/2021 dispute letter.
Product: Money transfer, virtual currency, or money service

I use XXXX for digital savings and now PNC bank wont let XXXX connect to my account anymore.
Product: Checking or savings account

XXXX XXXX Consumer ID # XXXX I am writing to dispute the following information By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose. 
Name : XXXX XXXX XXXX XXXX ID # : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ID # : XXXX XXXX XXXX ID Type : Driver 's License/USA ID State : PA ID Exp . Date : XX/XX/XXXX Alt ID # : XXXX XXXX Alt ID Type : Other Alt ID XXXX : PA Alt ID Exp. Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Account Type : Primary signer Incident Date : XX/XX/XXXX Principal Loss : {$7100.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse This is inaccurate information reported, I filed two complaints with Cfbp, and XXXX XXXX has admitted their fault and reimbursed me a {$35.00} overdraft, and regarding the amount of {$7100.00} has been posted on my credit card account attached copy of all statements and copies of complaint has filled and response from XXXX XXXX My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 

The report shows I owed money to the company that I have already repaid. 

The current status of my account is not correct. The report shows that I am account abused but I have made all of my payments on time copy attached
Product: Debt collection

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.