23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have had these inquiries on my account for a very long time despite disputing them because I never tried to open these account. I had proved that I have been a victim of Identity theft however these inquiries still remain on my credit report and therefore harming me negatively. They are listed below on all XXXX of my credit reports : 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: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX, VA XXXX Refernce number : XXXX To Whom It May Concern, I hope this email finds you well. I am writing to formally request the original purchase agreement that substantiates your claim as the rightful owner of the alleged debt in question. It is imperative that I have access to this document in order to verify the legitimacy of the debt and better understand the terms and conditions that were agreed upon. 

To facilitate this process, I kindly ask that you provide me with a copy of the purchase agreement that clearly indicates your ownership of the debt. Additionally, I would appreciate it if you could include any relevant terms and conditions that are outlined in this agreement. Having a thorough understanding of these details will enable me to address this matter effectively and ensure that all parties involved are operating within the parameters set forth in the original agreement. 

Please consider this request with utmost importance, as obtaining this information is crucial to resolving any discrepancies and moving forward with the necessary actions. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your cooperation and assistance in this regard. Should you have any questions or require further clarification, please do not hesitate to reach out to me at your earliest convenience. 

I look forward to your prompt response regarding this matter. 

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

I have indicated to the credit bureau as well as the creditor the medical bill had been paid to the original creditor and it is still showing as an unpaid bill. A payment was made through an XXXX account for the XXXX XXXX provided to the original debtor not a collection agency. I have not received correspondence or a bill from a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Debt collection

i requested information from midland credit XXXX requesting validation of debt.they didnt send me ample proof that this account belongs to me. how can they park this debt onto my consumer profile without providing proof that i was notified and given a fair chance to dispute this debt? according to 12 cfr 1006.34 ( c ) ( 4 ) ( i ) I was supposed to be given a chance to dispute this, i asked them for proof that they sent this to me and they sent nothing. according to them a they purchased this account on XXXX XXXX with a balance of {$740.00}, they also stated that they mailed me a letter of validation on XXXX XXXX i know legally that they have 5 days to contact me regarding this debt and also giving the the chance to dispute this debt, So from XX/XX/XXXX to XX/XX/XXXX this is not exactly 5 days, I need to see proof that this letter was sent to me. they stated that they sent it to my residence that was included in this dispute, i have a place of abode not residence so that means nothing to me as far as validation goes. I received no copy of the original written agreement between me and this company, This in itself is a clear violation of 12 cfr 1006.34. again i was not given a validation notice, this is unfair, if they in fact believe that i was given this please send proof. this is parked on credit report unfairly, please remove this from my consumer profile or send the requested documents. 

1.proof of validation notice 2. a copy of written agreement between me and original company.

3. signatures and proof of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to create an online account with Equifax to add/remove fraud alerts and security freezes. The online portal failed to create the account and directed me to call customer service. Customer service tried to create an account over the phone. The agent was a foreigner and did not transcribe the information correctly, and when I went to sign in online I couldn't be authenticated. I called again and they tried to authenticate me using a mobile app that takes pictures of photo IDs, but this failed ( the IDs are glossy and designed to resist casual photos ) and the agents got upset that I'm wasting their time (! ). I've wasted hours trying to fix these issues and it seems like they don't even want to help me now. I can't even order a free online credit report ( via XXXX ) to see what info is wrong because the online Equifax portal is gatekeeping access to that too. I've been able to create and maintain accounts at XXXX and XXXX without issue.
Product: Credit reporting or other personal consumer reports

timely removal 4 days ( I escaped and currently at a trafficking safe house program ), I have provided my id disputed the exact errors DOJ Trafficking case number Letter from Cal Attorney General Confidentiality Program Restraining order Letter from Trafficking Program where I live Letter from XXXX XXXX XXXX XXXX XXXXXXXX says removal in 4 days of report. I need for any negative payment history to be removed And now I am about be out of time in this program and they can't get me housing or rental car because their non compliance in removing these derogatory credit issues. 

I believe I have been harmed by them and that they should be fined or sanctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times in regards to inquiries that are listed on my credit report that were not authorized. Transunion has refused to remove these inquiries that are were not authorized by me. Some inquiries do not match the accounts that listed open on credit report. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  ( Hotel and travel ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}
Product: Debt collection

A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.
Product: Vehicle loan or lease

I went into to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX on XX/XX/XXXX I went in desperate to buy a truck to start working as a XXXX  XXXX. I had not been able to work and maintain my XXXX XXXX since I had a XXXX in XXXX and have been unable to work since then but because I am broke and was sick I was unable to reason properly against the XXXX of being able to work at at age XXXX. 

I Just had an emergency XXXX XXXX due to XXXX XXXX or XXXX XXXX XXXX which XXXX XXXX to the XXXX this XXXX was on or about XX/XX/XXXX and I was in no way physically, mentally and financially capable to take on a 72 month commitment. This XXXX took place early this year but the symptoms of XXXX   XXXX  such as XXXX and XXXX was plaguing me during this purchase It was obvious that I was not competent to enter into this contract and here is the evidence My credit is very bad, so bad that I was denied credit from every place else I went to obtain credit and I just had another truck repossession about a year earlier. 

My total income is only XXXX XXXX dollars a month and that is what the payment turned out to be. I was told that the payment was about XXXX XXXX XXXX dollars a month but it turned out to be about double. 

These clues to the dealership should have prevented me from being able to put my self at risk but I put XXXX XXXX down and that was a for them temptation to take advantage of me. 

XXXX XXXX dollars was not even ten percent of the purchase prices so it was a high risk loan and should have never been granted to a man in my condition. 


This was unfair lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to TransUnion, I am not a third party. Didnt I already give authorization thru the CFPB. I XXXX XXXX born XX/XX/XXXX Give TransUnion authorization to proceed with my claim for My Transunion credit report.
Product: Debt collection

Portfolio Recovery has refused my requests to validate and verify an account. I have made many responding requests regarding this to them. Portfolio Recovery has also completely ignored my cease and desists requests. 
Portfolio Recovery then took it upon themselves to report inaccurate, unvalidated, and unverified information to all 3 credit bureaus, leaving a damaging mark on my credit reports. Please see attached. 
Thank You
Product: Credit reporting or other personal consumer reports

After review of my credit report, attached for evidence, there are accounts that are reporting closed accounts. For instance, XXXX  account ending in XXXX and XXXX. Additionally, XXXX account XXXX, is showing two separate reporting with different balances which is inaccurate. Seems to be XXXX and the credit bureaus are reporting inaccurate information which also violates consumer rights. XXXX is also reporting closed whereas the consumer has not been given the 1099-c federally required form of debt cancellation. US DEPT OF EDXXXX account number XXXX is also reporting closed and also showing duplicate, more than once reported on the same account. XXXX XXXX XXXX account number XXXX is also reporting closed. I am demanding these accounts mentioned be deleted. XXXX, XXXX, US Dept of Ed, XXXX XXXX XXXX as well as the credit bureaus are violating my consumer rights by reporting closed accounts and inaccurate information. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet, Experian is reporting this information. The reporting of excluded information pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I owed chime XXXX dollars! I will pay the XXXX dollars but they dont answer when I contact them.. I dont believe I owe the XXXX dollars but Ill pay it so they can take it off my stuff
Product: Debt collection

My name is XXXX XXXX XXXX My checking and savings account was completely garnished by a court order in Kansas. The po box the notice was sent to my mothers mail box. She checks the mail, if it looks like spam mail she throws it away. She said she did see some stuff with my name on it but I figured it was wrong person they sent it to or just spam mail. After my account was garnished and I was told it was a court order I told my mother to save those prices of mail, and when I got back to visit her I would see what it was. I got sued and the suit was awarded to the attorney suing me for a criminal debt from 2009. I do believe this is well past the statute of limitations. The law suit was prepared by : XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX XXXX XXXX XXXX  XXXX XXXX  Case No : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ftc violations XXXX  : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX  XXXX XXXX XXXX XXXX XXXX was sued by the XXXX  XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's 2017 data breach, ... 
XXXX XXXX XXXX XXXX XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX  Robocalls cost XXXX  $ XXXX arbitration award he Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XXXX  XXXX, XXXX Every state has a consumer protection law that prohibits deceptive practices, and many prohibit unfair or unconscionable practices as well. These statutes, commonly known as Unfair and Deceptive Acts and Practices or UDAP statutes, provide bedrock protections for consumers.XXXX  XXXX, XXXX Unfair & Deceptive Acts & Practices - National Consumer Law ... 

Search Results Web results FTC Obtains Record {$190.00} XXXX Settlement from University ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - The University XXXX XXXX XXXX XXXX XXXX and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, TransUnion has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!
Product: Debt collection

I disputed a debt with Americollect account number XXXX for {$710.00} on XX/XX/22 and again on XX/XX/22 advising that I have no knowledge of this bill and upon contacting the original creditor XXXX XXXX XXXX, they could not provide an itemized billing, medical records, or contract signed by me nor verify there is a debt owed in this amount for me or any member of my immediate family.The debt is also linked to an unknown and invalid address not linked to me. I am requesting this invalid debt that does not belong to me be deleted immediately from XXXX and all other credit reporting agencies.