23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt Validation Request To Whom It May Concern, I am writing to request verification of a debt that you are attempting to collect. Please provide the details of the debt as outlined below, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Amount of Debt : {$1000.00} Date Reported to Credit Bureau : XX/XX/year>XXXX  Specifically, I request the following information to validate this debt : The original creditors name and contact information The amount of the debt A detailed statement explaining how the debt was incurred Any documentation or records supporting that I am responsible for the debt A copy of the original signed agreement, if applicable Until this information is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit bureaus. 

If you can not provide the requested information, or if this debt is not validated within 30 days, I will consider this matter resolved. Additionally, please be advised that any future communication should be in writing only. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

While reviewing my credit reports on XXXX, XXXX, and XXXX in XX/XX/XXXX, I was stunned to see that my XXXX XXXX Credit card, ending in XXXX had been reported as closed on XX/XX/XXXX causing me to lose XXXX points off my score. I immediately called XXXX XXXX XXXX to verify the status of my account. XXXX XXXX XXXX informed me that my credit card ending in XXXX was not closed, but under " special handling '' with my Credit Protection Insurance that I initiated in XX/XX/XXXX. I lost my job in XX/XX/XXXX and thought it was a good idea to utilize my Credit Protection benefits for my XXXX XXXX card. My benefits were approved. Two payments have already been made. One for {$75.00} on XX/XX/XXXX and another payment for {$25.00} on XX/XX/XXXX. The problem is it's been reported as " Closed '' on all three of my credit reports, and my credit score was dinged by XXXX points! XXXX XXXX XXXX insists that my account is not closed, yet nothing has been done to reflect my account being " Open '' and my XXXX points reinstated on XXXX, XXXX, and XXXX. 
Please help me. 
Thank you.
Product: Credit reporting or other personal consumer reports

The following accounts must be deleted as they were opened without my consent. 

I have attached the ID THEFT reports for all of them. That is enough evidence proving they are not mine. 

They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. 

Please delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Formal Complaint Against Axos Bank Failure to Validate Debt Dear CFPB Representative, Complainant Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Contact : XXXX XXXX XXXX Complaint Details : On XXXX XXXX XXXX I sent a formal debt validation and cease-and-desist letter to Axos Bank regarding an account they claim I owe ( Account Number : XXXX ). The letter requested written validation of the debt, including : Proof of my responsibility for the debt ( e.g., a signed contract ). 
Evidence of assignment or ownership of the debt by Axos Bank. 
A breakdown of the alleged amount owed. 

I provided all necessary identification and documentation to verify my identity and prove my dispute was legitimate. However, Axos Bank has failed to respond or provide the requested validation, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Issues with Axos Bank : XXXX. Axos Bank has failed to provide any debt validation, as required under the FDCPA. 
XXXX. Despite my formal dispute, the account remains inaccurately reported on my credit file. 
XXXX. XXXX has already removed this account due to lack of verification, yet Axos Bank continues to allow the debt to be reported to other credit bureaus without proper validation. 

Timeline of Dispute Efforts : XX/XX/year> : Sent debt validation letter to Axos Bank. Proof of mailing and letter attached. 
XX/XX/scrub>XXXX XXXX XXXX Received no response from Axos Bank, despite the legal requirement to validate the debt under the FDCPA. 

Legal Violations : XXXX. FDCPA Section 809 ( b ) : Axos Bank failed to validate the debt within a reasonable timeframe, as required by law, before continuing collection activity or credit reporting. 
XXXX. FCRA Section 623 : Axos Bank has failed to ensure the accuracy of information reported to credit bureaus. 

Requested Resolution : XXXX. Axos Bank must immediately cease all reporting of this account to credit bureaus unless full validation of the debt is provided. 
XXXX. Axos Bank must provide written validation of the debt, including all requested documentation, within 30 days. 
XXXX. If Axos Bank can not validate the debt, it must ensure the account is permanently removed from all credit reporting agencies. 

I have attached the following documents for your review : A copy of my original debt validation letter to Axos Bank. 
Proof of mailing. 
Correspondence related to my XXXX dispute and account removal. 

I respectfully request the CFPB to intervene and ensure Axos Bank complies with federal regulations. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I requested the removal of debt from my credit report for due the agreement with the company XXXX XXXX XXXX. I already filed a complaint with cfpb it is still reporting on my credit report. My next actions as my rights have been violated is to seek legal actions for the damages and false information being reported. I have already spoken with the other credit bureaus and they have removed them. Equifax CEO XXXX XXXX has to be held accountable for violating people 's rights.
Product: Debt collection

I have been receiving phone calls emails and mail stating that I owe XXXX. Dollars as a collection for XXXX XXXX  I tried reaching out to XXXX XXXX grant mercantile  to explain that I have no knowledge of this and I have never used XXXX XXXX  transportation for anything. I also let them know I have been missing my id for over a year and have had similar situations they have since charged me interests and now are asking for over XXXX dollars. They have also reported to credit bureaus and has caused my XXXX XXXX to suffer tremendously. These text messages, phone calls and emails have been bombarding my inboxes and have caused me to stop answering my phone This account is not mine and was fraudulently opened. And now they are trying to make me pay for it. Please can you help solve this issue.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my response to the incorrect " analysis '' done by the bank : XXXX XXXX : Please see the attached response to our complaint from XXXX XXXX, in regards to the misapplied payment and XXXX credit bureau reporting by 5/3 Bank. 

The key takeaways from XXXX XXXX 's response : 1. The bank applied {$10.00} on XX/XX/22 to complete the shortage of the XXXX payment. Why wouldn't the bank do this on XX/XX/22, when the second payment was actually received? What we are observing is that the bank had enough of our funds to complete the misapplied XXXX payment but reported it late anyway. 

2. We have additional properties and are not always using this home ; therefore, the timely checking of mail is not always possible. Why would 5/3 Bank choose not to email or call in situations such as this?

3. It seems that 5/3 Bank would choose to ruin a valued client/customer relationship over {$10.00}, rather than making a goodwill adjustment in a unique situation. The payment history and credit was perfect. What does the bank gain from needlessly damaging a customer 's credit and then wasting its own resources dealing with the escalation? 

4. Since the escalation of this issue began, at least five people have touched this account and now additional members of the executive and board team are starting to get included. Was the refusal to do a goodwill credit reporting adjustment worth it for the bank? 

Next escalation steps if this matter remains unresolved ( please confirm resolution by XXXX XX/XX/22 ) : 1. A copy of this response will be submitted to CFPB, XXXX, and credit reporting agencies. 

2. Additional board members will be included on future outreach ( email and phone ). 

XXXX. This experience will be shared on social media, along with the business contact information of all the relevant people involved ( based on the current reviews of this bank, it seems there are plenty of people who would find it useful to share their negative experiences with the leadership of this bank ). 

Regards
Product: Student loan

I made a payment of {$25000.00} on XX/XX/XXXX. I received notices that three of the loans were paid off in full as of XX/XX/XXXX as I delegated the funds. XXXX now has reversed my payments in their system but still have my funds. There are not resolving the issue despite having taken {$25000.00} out of my bank. I am so frustrated with the illegal activity and am requesting an investigation. I will also be hiring an attorney to aid in the process.
Product: Credit reporting or other personal consumer reports

I was shocked to find out that my credit report suddenly has inaccurate accounts listed, and I have no clue why this happened. I check my report consistently, but this time, things didnt look right. I tried refreshing the page, hoping it was just some glitch, but it wasntthose errors were still there. Now, I need the documents I sent to be carefully reviewed so that I never have to deal with this kind of stress again.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed that there was fraudulent activity. Please remove all fraudulent activity from my report as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting or other personal consumer reports

Upon scrutinizing my recently updated personal credit report, I have noted the persistent presence of an unauthorized credit inquiry on my file. I have engaged in communication with the relevant company, urging them to promptly remove their credit inquiry from my credit profile. I reiterate my request for you to initiate, without delay, the removal of the inquiry outlined below from my credit report. Given the substantiated nature of my claim, I trust that you will expedite the elimination of this inquiry at the earliest convenience : XXXX XX/XX/year>. If, upon review, you find the aforementioned inquiry to be valid, please provide me with a description of the investigative procedures within 15 business days following the conclusion of the inquiry. Otherwise, I implore you to adhere to my request and expunge this inquiry from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXXXXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Product: Money transfer, virtual currency, or money service

I found an seller selling items on XXXX who refuse to use the platform 's shipping and payment solution and insisted to ship himself. I refused to pay for the item but paid the shipping fee for a shipping receipt where the tracking information is partially covered through Zelle. After investigation with XXXX ( The XXXX XXXX # XXXX XXXX ) it turns out the shipping receipt is fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE. THEY REFUSE TO DELETE. 
ACCOUNTS : XXXX & XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXX XXXX Dispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX -- NOT MINE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/202XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX XXXX as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated, or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX called NCB MANAGEMENT SERVICE spoke to XXXX  she said it was with XXXX XXXX XXXX XXXX for XXXX and that the application was from XX/XX/XXXX deposit was sent to XXXX XXXX  XXXX who confirmed no deposits were received outside of payroll from XXXX when this account was closed. XXXX advised they need to do some research and see what is going on with the account. 

XX/XX/XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX  XXXX is escalating to another department and I would be contacted back, XX/XX/XXXX XXXX Called NCB MANAGEMENT SERVICE XXXX XXXX advised they have requested the validation of debt XX/XX/XXXX XXXX XXXX went through all statements for XXXX no deposits were made on account. Account was closed on XX/XX/XXXX. Can not make a deposit in a closed account. 

XX/XX/XXXX XXXX Spoke to XXXX  at NCB MANAGEMENT SERVICE. was told they can not look up the documents they sent me. They will be sending me the fraud packet XX/XX/XXXX XXXX XXXX  Called XXXX Spoke to XXXX  who transferred to XXXX  supervisor Says she can't access the account transaction history. She will be sending me an email letting me know what information is needed XX/XX/XXXX XXXX filed report with offer XXXX Case number XXXX XX/XX/XXXX sent copy of the Police report and id report from FTC to NCB MANAGEMENT SERVICE & XXXX XX/XX/XXXX sent copy of the Police report police report and ID to the credit Bureau who modified the dispute to an id theft XX/XX/XXXX XXXX  reduced my credit limit due to this negative item on my credit report. I am now having adverse action taken against me because of this item. When I called the credit Beru they said they cant do nothing until they finish the investigation XX/XX/XXXX XXXX XXXX  called and spoke to XXXX  said we got the documents on XX/XX/XXXX it is something we must investigate and resolved. We will get the fraud packet out to you and this is something we are trying to resolve but it does not happen over night will take some time. 


Now I am facing adverse action due to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account on my tradelines by XXXX  XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with EXPERIAN who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint concerning an inaccurate late payment that is erroneously reported on my credit report. I wish to emphasize that I have never been late on this payment, and the inclusion of this late payment on my credit report is a significant error that is adversely impacting my creditworthiness. 

Account Information : Creditor Name : FORTIVA ] Credit Report Bureau : [ XXXX XXXX XXXX XXXX XXXX [ XX/XX/2022 ] Description of the Issue : Upon a thorough review of my credit report, I discovered a glaring error : a late payment is reported for the account mentioned above. I wish to clarify that I have consistently made timely payments on this account, and there has never been any occasion when I was late on a payment. This erroneous late payment notation has unfairly diminished my credit score and financial standing.
Product: Credit reporting

I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and XXXX will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX  XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how XXXX I ever pay anything. This seems like ti is very bias towards certain people. XXXX is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
Product: Mortgage

refL Select Portfolio Servicing Acct : XXXX My mortgage had been transferred 3 times from country wide to XXXX XXXX XXXX, to XXXX and now select portfolio servicing since my acct had been transferred the loan amount had been increased drastically now the new servicing is collecting a advance fee for {$2300.00} plus interest a fee that had not clue I owed ; according to to SPS stated that I owed this fees since XX/XX/XXXX ; I had explained that never received any loan advance to maintained the property why I had been added an additional fee that never heard about ; I tried to resolved this issue unsuccessful now I owed more that my total amount I borrow in XX/XX/XXXX for {$270000.00} first mortgage. Please help .. I had been straggling for each lender since then with not luck but more in debt.
Product: Credit reporting or other personal consumer reports

Experian credit report theirs is XXXX negative items that are fraud I filed a federal trade commission identity theft report on file please have experian remove the negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion and XXXX several times about this issues the inquires on my credit from XXXX  XXXX and other unauthorized inquires in 2021. I have recently sent a letter again about this problem certificate mail. All they offer me was a {$1.00} trial to monitor my credit. They also inform me that I was apart of a breach. Thinking they would help me