23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ].

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Debt collection

Received a collection from Central Portfolio Control. It seems that someone open a account or applied for a loan on XX/XX/2021 under my name, I have know Acknowledgment of company or completed any transactions with such company or any other creditors this is fraud.
Product: Debt collection

On XX/XX/2023 I was driving on XXXX XXXX XXXX while the vendor ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was conducting some repairs around toll booths at the location. My transponder did not work properly there, either because of vendor construction work or because transponder battery expired. I ordered a new transponder and returned an old one as XXXX as required by service agreement. 

On XX/XX/2023 I received a notice from XXXX XXXX requiring payment of said tolls plus excessive administrative fees and dispute resolution form. I filled the form indicating my XXXX account number. I considered the matter resolved as I was diligent customer of XXXX for decades. However, vendor ignored my request and send me another bill with even larger administrative fees and threats of legal action. 
The notice number they sent is XXXX. My XXXX account number is XXXX. 

Despite having an XXXX transponder and vendor policy of charging fees in such case to my existing account, I have been charged exorbitant fees for using XXXX toll roads. I did pay the amount requested of {$55.00} to stop accrual of fees, but have contacted the vendor and informed them of this issue, and requested refund, but they initially have ignored my dispute form request and continued to over-bill me with additional fees. I have also received threatening legal action if I fail to pay these charges, which is unacceptable. 

After my multiple complaints to XXXX  state authorities the vendor did refund the fees of {$55.00} on XX/XX/2023, therefore I considered the matter resolved. However, it turned out that vendor decided to turn the case to the bill collector ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ) to collect {$200.00} (! ) for the resolved matter. I consider this a blatant violation of FDCPA in order to continue to harass me for the debt I never owned and violate federal consumer laws for corporate enrichment. 

I am very disappointed with the vendor 's illegal action in resolving this matter. I have tried to resolve this issue amicably, but it seems that my concerns have fallen on deaf ears. 

Thank you for your time and attention to this matter. 

VENDOR : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have been a member of XXXX for many years. They recently changed card companies and requested that I call Citibank and get a new XXXX card from them. I did that and was a little surprised at the personal questions they asked ( annual earnings, etc. ) but answered all their questions. Then a few weeks later, I received a " Request for more information '' from them dated XXXX XXXX XXXX. The letter is attached. 

They requested way too much personal information, including bank or credit card statements, utility bills and either a letter from my broker, CPA or personal banker confirming my income or a copy of last years federal tax return, including signature and all supporting schedules. 

This is too much personal data and could result in compromising my identity, including access to my bank accounts. 

I withdrew my application during phone conversation with them. If requesting this much information is not illegal, it should be. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX XXXX XXXXXXXX - {$45000.00} XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

XXXX, Equifax, and XXXX have so many different discrepancies ' between all 3 accounts and information provided that it has been causing me hardship to obtain new credit or purchase a home. All information should be reported correctly between all 3 but none of it makes sense. I have tried numerous times to contact all 3 credit reporting agencies, but information still does not get updated correctly. As you can see from what I have attached below XXXX is giving me 3 different scores across 3 different platforms. Same is with XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  has incorrect information on my credit report I never owed them any money but it says I have a balance of {$2200.00} as of XX/XX/XXXX XXXX XXXX has an old account reporting that I have a balance of {$420.00} dollars from XX/XX/XXXX when my credit was actually raised to a higher limit of {$500.00} and is still open but list the old card as in collections XXXX XXXXXXXX XXXX  says I have a balance of {$1000.00} When card was paid off 3 years ago XXXX say I have a balance of {$600.00} as of XX/XX/XXXX and I never had a XXXX charge card XXXX XXXX XXXX  says I have a balance of {$710.00} and I never had a card from them
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, Social Security Number ending in XXXX, XXXX : XX/XX/XXXX ; here is my Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an insurance policy opened at XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) on XX/XX/XXXX, under the account number XXXX, a mobile line account opened at XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, XXXX  and XXXX  has accounts on my credit report thats inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a loan originator who Ran my credit after I asked her not to, causing my credit score to lower. I have been trying for Years to raise my score so this was very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Equifax, XXXX and XXXX customer service by phone, I was told to submit the enclosed complaint. I also would like to remind you that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by Federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. I know that my information is being used to mislead, open, charge funds, inquire and whatever else, without my permission. I need these items removed immediately. Both the accounts and the inquiries.

I demanded to see Verifiable Proof, whether electronic or wet signature, of what they have on file of the account and inquiries. They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove. There is bankruptcy showing up on my credit report. This is false information as this bankruptcy does not exist.
Product: Debt collection

Most recently I have been disputing these accounts with Experian around XXXX early XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Experian on XX/XX/XXXX. Experian has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

Information continues to change. Principal balance increases. I fear for my life here. This is all happening while Im going through a fraudulent divorce. They are trying to take my kids away.

Mortgage XXXX {$200000.00} balance
Product: Student loan

Submitted my SAVE application XX/XX/XXXX was told 10 days for processing. No word or updates. I called on XX/XX/XXXX at XXXX. Was on hold for XXXX hours. Finally spoke with someone. She said it was still being processed. Today i get an email about my loans going into administrative forbearance. I thought that was strange so i logged into nelnet. My payment has gone up {$600.00}. I barely make {$50000.00} a year. Where is my SAVE application? How am i expected to make this payment? I have a job and had to take time away Wednesday to call. Am i supposed to take more time/money away to call for a 2nd time? Ive sent several emails with an automated response. This is ridiculous. Customer service is terrible. Making someones payment {$600.00} more without notice or an explanation is criminal.
Product: Money transfer, virtual currency, or money service

I have three transactions with Paypal that have not been resolved. I ordered three different products from three different vendors in XXXX. None of them have arrived and Paypal has not refunded my money. Their resolution center isn't working either. 
I am fed up.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

I have contacted Experian twice asking for investigation on a credit account appearing on my credit report twice from XXXX XXXX. After two rounds of disputes sent to Experian the account keeps coming back verified with several late payments which is incorrect. These late payments from XXXX XXXX continues to report negative which is costing me thousand of dollars in interest. I personally called XXXX XXXX and provided my name and social and there is NO account listed under my name or social. I have asked for this account to be deleted from my credit file as this account is being listed twice resulting in 12 late payments per account. Experian hasn't properly verified this account and continues to remain on my file.
Product: Vehicle loan or lease

Approximately around XXXX XXXX 2016, I contacted XXXX XXXX XXXX XXXX SC to obtain a vehicle. I applied for financing and was denied. I was told I needed a co-signer. A relative agreed and we submitted a second application with her as co-signer. 

I was informed that she had a good XXXX XXXX and I had the income to support the application. The loan was approved and I was informed that the paperwork would be overnighted to the relative for signature. I did not see her paperwork. 

In the interim, I added the vehicle to my insurance. My aunt and I both agreed to have her a co-signer. All paperwork and correspondence went to my relative. Neither of us knew that this was the first indication of deception. 

After researching XXXX, I have found that several of my rights have been violated per the FDCPA, which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 

1. XXXX XXXX mislead both myself and relative into a deceptive loan. We entered into an agreement with XXXX, not XXXX XXXX. According to the FDCP, The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 2. XXXX XXXX acted on our behalf and transferred our account to a sub-prime lender, XXXX. 
3. XXXX XXXX misinformed our application intent, which resulted in myself and relative being co-applicants. With my " relative '' being the primary. We would have never agreed to this, " relative '' does not have a Driver 's License. 
4. XXXX has collected on alleged debt for this sub prime loan since XX/XX/2016. The total amount of the vehicle was {$20000.00}. The balance on the loan over 4 years later remains the same. 
5. XXXX has contacted and harassed me as well as my relative on our jobs, cell phones and home numbers. Further, XXXX harassed my relative at her job after being told numerous time that she could not receive such call on her job. Regional Acceptance Corporation has violated the Fair Debt Collection Practices Act, which protects consumers from abusive or harassing treatment by debt collectors, and the Furnisher Rule of the Fair Credit Reporting Act. 
6. Payments on alleged debthave gone to finance fees and late payments, with none to the principal balance. Which has resulted in a balance that has ballooned.