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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Bright Water Capital XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Bright Water Capital, Re : Debt Collection Validate Request We hop e this letter finds you well. Our records indicate an outstanding balance owed to Bright Water Capital, as referenced by the account number ( # XXXX ), in the amount of {$3000.00} reopened on XX/XX/XXXX. 
This letter is to formally notify you that the debt has been forward to our XXXX XXXX for collection.. As part of the process, I'm providing you with a debt validation request. 
In order to properly assess the legitimacy and details if the outstanding balance, I, XXXX XXXX request the following documentation. 
2. Chain of Assignment : detailed records showing the full Chain of Agreement for the debt, including all prior holders and the documentation that proves your right to collect on this debt. 
3. Purchase Agreement : a copy of the original purchase agreement or loan contact associated with the debt, including all pertinent terms, fees, and obligations.

4. Insurance Claim Documents : If applicable, any insurance claims associated with this debt and any claim payment history or correspondence that may have affected the amount owed.

5. Proof of Signature : Documentation proving my agreement to the terms of the original debt, such as a signed contract, loan agreement, or any other relevant documentation showing my acknowledgment and acceptance of the debt.

Please provide the requested documents within ( 10 ) days from the date of this letter to ensure proper review and resolution of the matter.

Failure to provide these documents may result in further actions in accordance with applicable laws.

I appreciate your cooperation in resolving this matter and look forward to receiving the necessary documents. Should you have any questions or require clarification, please do not hesitate to contact me at my email address : XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies in my Experian credit report, including fraudulent addresses, incorrect variations of my name, and sensitive personal information that should not be listed publicly. Specifically, Experian has linked 16 different addresses to my file, which I have never lived at or used, including XXXX XXXX XXXX, XXXX, GA XXXX. 

I have been residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX since XXXX and this is my sole valid address for this period. The inclusion of these incorrect addresses and names is a direct result of identity theft or reporting errors. Despite my efforts to correct these inaccuracies, Experian has failed to act. 

Additionally, my full date of birth and Social Security number appear on my report. This information is not necessary for my creditworthiness and poses a risk to my identity security.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Debt collection

My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is is it taken more than 4-6 months and i still haven't received the responses???? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit card or prepaid card

I sent a secure message the other day to Chase, informing them that I would pay my freedom unlimited card off in full at the end of the month. And asking them as a one time courtesy if they would waive an interest charge, they refused, saying they can't do that however, every other bank that I've asked to do this has been able to do it as a one time courtesy this is the reason for my complaint I informed the chase bank I would be filing this complaint as well.
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 # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Therefore I would like my privacy to be respected. ) 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. ( At no time at all did I give ANY type of instructions, written or verbal.

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 ) states 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. I went ahead and highlighted the inaccuracies in the attached documents from the three consumer reporting agencies. 
Examples of these inaccuracies are, ( XXXX ) In XXXX XXXX credit history XXXX XXXX payment history is showing as Unknown, and in XXXX the payment history is showing as 44 potentially negative months. ( XXXX ) XXXX is showing XXXX and XX/XX/2023 payments for XXXX XXXX as being on time even though it should have been documented as CO for that period. These are just some inconsistencies, please see the attached documents for a full comparison. 

These inaccuracies are impacting my ability to purchase a house for my family. It's also preventing me from being able to apply for and attain employment in various fields.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted to a change in my " XXXX XXXX '' dashboard through Navy Federal Credit Union that states it used XXXX to monitor my credit. It reported my credit score as XXXX points lower than it was last week ( XXXX to now XXXX ) as well as reporting a newly filed bankruptcy as of XX/XX/XXXX. When I looked at my XXXX report there is no such bankruptcy filing. I have not filed bankruptcy since XX/XX/XXXX and it was discharged XX/XX/XXXX. I filed a complaint against NFCU for closing my credit card which is being reported as being in good status even as of today. I believe this is retaliation. Also, on this new dashboard, Navy Federal is now reporting that my XXXX XXXX  has been changed to a XXXX XXXX  of XXXX down from XXXX just last week. I believe this is retaliation for filing a complaint against them regarding my credit card. I have tried since last week to submit inquiries online and communicate with NFCU regarding my credit card and have found that its inaccessible to me but was on XX/XX/XXXX. I have tried but been unable to submit further inquiries in my online portal since then. This also drastically impacts me in other areas of my life ( rental availability, mortgage access, car insurance, extension of credit, and current accounts with other entities, etc. ). I think they blocked my access to my account so they could block me because I was adamant about them not closing an account in good standing without it causing harm. And the information they stated XXXX reported ( a bankruptcy, a balance on an account for XXXX XXXX, the status of a XXXX XXXX XXXX account, etc. ) is not reported on my XXXX report when I accessed it directly through XXXX.
Product: Debt collection

4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. UNIFUND CCR {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX  ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX XXXX My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!
Product: Debt collection

Transunion has refused to provide me with information about an Adverse Account concerning my daughter even though I provided a legally enforceable power of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required. 

The collection account in question is as follows : Creditor : I.C. System, Inc Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned collection account is being reported with an open date of XX/XX/XXXX. This is a gross misrepresentation of the facts, as I terminated my XXXXXXXX XXXX in XXXX and dutifully returned all equipment associated with my account. The continued presence of this erroneous collection account on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and they said that is how it gets reported and there is nothing they can do. They have  also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
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 : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please provide me the documentation on how you verify that I am late for these accounts
Product: Mortgage

my previous mortgage servicer ( XXXX XXXX ) sold our loans to SPS ( Select Portfolio Servicing ) starting XX/XX/XXXX ( EHIBIT A ) on XX/XX/XXXX I forward SPS my information to start auto withdrawing my payments come XX/XX/XXXX. So around mid XX/XX/XXXX I noticed no withdraw from SPS had take place. So I called SPS and a representative informed me that my mortgage was PAID IN FULL. I verified my information with the representative and she confirmed it and said yes PAID IN FULL. I waited and called back a few weeks later and that representative said the same thing PAID IN FULL and that I would be getting my escrow of XXXX in the mail and all the necessary paperwork showing paid off. I received the escrow check, a statement showing that my informaiton was paid off, my county tax provided sent me my tax statement showing that I would be paying my own taxes, my insurance provider sent me my notice saying that the insurance would be transferred in my name and I would assume payments in full. So then on XX/XX/XXXX I received a notice stating something about a payment reversal ( EXHIBIT B-1 ), then XX/XX/XXXX they sent another statement stating A NOTICE OF DEFAULT that I was gravely behind and delinquent in my mortgage payments ( EXHIBIT C1 ), the the SAME DAY XX/XX/XXXX they sent a statement saying that you are in FORECLOSURE due to being gravely in default on your mortgage payments and I am that my case is being sent to a forclosure attorney. After receiving ALL ( 3 ) notices the same day on XX/XX/XXXX I called SPS and the person on the other end said that my case has been referred to a forclosure attorney. I am TOTALLY APPAULLED on how SPS is trying to QUICKLY cover up their error and not even try to call apologize and work with me but try to take my home from me. This can ; t be acceptable and ethical or legal behavior in the United States because of an error of their that they are trying to fille unethical paper work to assume my home from under me without trying to correct the error or eating up the cost of their error. I need something to take place IMMEDIATELY because this company should not be able to do this, there have to be something done about this before they are allowed to go any further with this unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute and Cease Communication Request for Account ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary.

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same.

I request that you : Confirm receipt of this dispute and cease communication request in writing.

Cease all further communication with me concerning this alleged debt.

Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made.

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part.

Thank you for your immediate attention to this matter. 

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

the XXXX credit bureaus ( XXXX, Equifax, XXXX ) are violating my rights to privacy by reporting on my personal credit, and bankruptcies without my consent. 
Laws violated ; 15 U.S.C. 1681 # 5 15 U.S.C. 1681 # XXXX XXXX CASES AND NUMBERS ; Case # XXXX XXXX  XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX Case # XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX didnt want to refund my zelle and it was like {$1000.00} i sent someone to buy a dog from and they scammed me and never returned my calls or anything. I called XXXX XXXX  XXXX told them about this transaction and explained the problem and they told me they couldnt do anything about it. When back then i did not know that if you send a zelle you couldnt get it back. Please it would be amazing if you guys could help me, it would mean a lot thank you so much.
Product: Credit reporting

On my Trans Union credit report it shows a bankrupcy Chapter XXXX Dismissed Reference number-XXXX, I was going to file but never did the attorney I had at the time sent in the papers. XXXX XXXX was my attorney she should have not sent in the papers. As you can see it was filed on XXXX/XXXX/2008 and dismissed the day after XXXX/XXXX/2008. It has been 8 yrs this should not be on my report never went to court never did a bankrupcy proceding or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!