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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

EQUIFAX XXXX : XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXXC XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020
Product: Debt collection

CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Sir/Ma'am I am writing in response to your company placing MULTIPLE DEBTS ( 15-USC-1692H ) AND DUPLICATE medical collections on EACH of my Consumer Reports. 
As part of my validation request under ( 15-usc-1692g ) XXXX I am requesting your company provide me with the PURCHASE AGREEMENT to ensure the accuracy of the records. 
Please provide me with the original bills from each account you have listed on each of my Consumer Reports. Please provide a breakdown of these medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you. 
Provide me with your company license/bond to collect debt in my state. Please provide an affidavit signed under Penalty of Perjury that your agency has not violated any portion of the FCRA, FDCPA, HIPPA, and PHI. PLEASE CEASE ALL CONSUMER REPORTING UNTIL THE DEBT HAS BEEN VALIDATE BY ( ( ME ) ). 
Please accept this as my formal debt validation request, I am allowed under FDCPA. Withholding any information you received from any provider in an attempt to be HIPPA compliant is a violation and considered deceiving me after my request. I request full documentation of all information you received from the provider of service in connection with this alleged debt. 
Please do not contact me by phone at home or work. Continued reporting of this alleged debt prior to me validating is a violation which can allow me to seek even more damages. If your company fails to respond please remove all references to this account and alleged debt from my Consumer Reports and your company records.Thanks for your immediate attention. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX XXXX
Product: Debt collection

I had a trial offer for home internet from XXXX. They sent me the equipment, i set it up, it didnt work well. So i packed it up the same day and called XXXX to cancel. They said fine, and gave me a label to send back the equipment. Two months later i got a bill for {$45.00} and they are demanding payment. it was a trial offer explained clearly in the offer. I have received multiple notices etc. i tried to call but they wont access my account without a pin, which i dont have because it was just a trial offer which i never completed. They need to stop bothering me for the {$45.00}. they are harrasing me now. 

AmSher Collection Services , Inc . 
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

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 in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your 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 a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX  : XXXX, has violated my rights.

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

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: Debt collection

The problem that I'm having with this company is that whenever I try to make a settlement with them because I can't afford the offers that they're giving me they always act mean and mess around with me acting like they care ( sarcastically ) while I can tell that they're saying in a sarcastic way that they're trying to help me, and they also come up with a lot of nonsense stuff when I'm just trying to see if they can accept what I have or what they can do on this account. 


Last call that I made I asked if I could just speak to the manager to see if he could help me any further and they just put me on hold for a long time and then the call dropped, I don't know if it was them messing with me or the call did drop since I have no evidence but of what I'm sure is that they really had no intention of helping me like they said on their sarcastic way of speaking because what you less expect when you are the most stressed about your financial situation is dealing with people like this that really don't care about you and feel like they could treat you however they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to Fair Collection and Outsourcing. However, even before XXXX or the collection agency had a chance to look at it, XXXX   would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XX/XX/XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.
Product: Mortgage

Flagstar Bank in XXXX has become the custodian of my mortgage after they took of the XXXX XXXX XXXX. I applied for a HELOC to use in purchasing a second home and the loan servicer was XXXX XXXX basedin XXXX and XXXX XXXX communicated with me. They first told they could approve me for {$26000.00} and then after the appraisal they ordered returned, they only said they could offer {$11000.00}. The appraisal was not consummate but I was willing to accept the amount to utilize toward the purchase. They did not communicate with me about closing out the {$26000.00} loan and having to do a totally separate loan for {$11000.00} until I looked in and saw no trace of the loan application one day and reached out and asked what happened and then I received a message saying there was " no progress '' on the loan application. I often, throughout the process, would receive mailing from them and e-mail messages that wouldn't align with the additional documentation they necessitated. The e-mails was say they had everything they needed and then the mailing would say they needed copies of this and copies of that, all of which I would provide for supporting documentation. All of this two days ago after being told I was approved for the loan for {$11000.00} I looked into the account to check on the application status and there was no trace of the loan application or anything as if this who 5 month process never existed. They have my information and then my application and all of the communication just vanishes, and that is very perturbing to me. I do not know how they operate, but it is certainly a very clandestine process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor Uplift, Inc.provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from XXXX and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for Uplift , Inc. account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To Uplift , Inc. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX two transactions were taken from my account under the name of XXXX. One for the amount of {$200.00} and the other for an amount of {$50.00}. 

These are not authorized as I did not lose my card or allow someone else to use them. My account was hacked
Product: Debt collection

So I realize I have a collection on my credit report from XXXX XXXX XXXX for {$790.00} for XXXX XXXX. That account on my credit report was not me and is the result of identity theft. I want such information to be removed from my account immediately and permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX CARD XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX funding. Also provide me with the XXXX form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I noticed an XXXX XXXX credit card on my credit report that I had not applied for. After further research, this card was applied for by my father who I have no contact with, and had me listed as an authorized user. This card was reducing my credit score by an average of XXXX points across the XXXX major credit bureaus. I contacted all three and XXXX removed it from my report but Experian and XXXX did not. Even after filing a police report no action was taken on the grounds that all information was correct. The card was applied for in XXXX of 2024.
Product: Debt collection

Received an alert about a new collection account added to credit report XX/XX/XXXX that was not on report prior to then about collection on water bill that it said was placed in collection XX/XX/XXXX yet as stated earlier was not on credit report. I was not aware of this nor believe I owe this since I have never received any notification regarding this either via with a phone call or a letter. I moved out of the state in XX/XX/XXXX and put in a change of address yet still never received any notification forwarded to me. Never had opportunity to dispute or pay IF I really owed. Question required to proceed was company or collection agency who tried to contact you. I chose the collection agency on credit report even those they have not tried to contact me or I could not proceed with complaint since required field
Product: Debt collection

this company has already been sued by the state of Maryland for fraudulent practices when trying to collect old debt and they will not remove themselves from my credit report. case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed in a dispute letter along with a letter from XXXX XXXX certified. I have sent several dispute letters regarding the account listed below which does not belong to me and is unauthorized to be on my credit report. I spoke with a representative at Experian who confirmed they received my dispute however the Experian is negative information on my credit report. I attached the letter from XXXX XXXX XXXX stating they are not handling this account and the information should be updated however Experian closed my dispute and disregarded the letter from Convergent Outsourcing. The other bureaus are not furnishing this information however Experian is and it needs to be deleted immediately.
Product: Debt collection

I was told I owed for magazines that I ordered by phone in XXXX of this year. They verified my address, and said they had a recording of me ordering the magazines. It never happened, I have never received any of the magazines, ten of them, that he said I had ordered. He was very aggressive. I told him that it was a fraudulent debt, that either they, or the company that supposedly sent me to collection, had invented this debt. I am XXXX and I think they are just trying to prey on an elderly person. I told him that if they didn't call me back within 24 hours and either have a copy of the phone call I can listen to, or cancel the phony debt, I would report them to whatever agency I could. They called me back the next day and told me the debt was cancelled, without explanation. I just want it on the record that either they or a company with which they do business is preying on the eldery and anyone else who has this experience with them should report them as well.
Product: Debt collection

This letter serves as formal notice that Equifax, have failed to properly investigate fraudulent accounts on my credit report. Despite multiple disputes, you have not provided legally required documentation verifying these accounts. I demand their immediate deletion. CFPB Lawsuit Confirms Experians Unlawful Dispute Handling The Consumer Financial Protection Bureau ( CFPB ) has confirmed that XXXX engages in sham investigations and ignores legitimate consumer disputes, violating federal law. ( Source : CFPB, 2024 ) Additionally, the Federal Trade Commission ( FTC ) has reported widespread inaccuracies in credit reporting, further proving that XXXX and other credit bureaus routinely violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer files. Fraudulent Accounts That Must Be Removed Immediately : XXXXXXXX XXXX XXXX ; Legal Violations and Demand for Immediate Action Per 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum accuracy in your credit reporting. Your failure to remove these fraudulent accounts violates federal law and subjects you to regulatory action. Additionally, under 15 U.S. Code 1692g, you must provide verified proof of these debts, including the original signed application or contract. Your continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I paid SYNCB/Amazon charge card. This was paid over the phone to a collection agency. I was threatened that they would be coming to my place of employment. I had settled this debt with them. I was told that I would receive a letter of satisfaction but when I called two weeks later, I was told that they did not do that. I have not received ANY collection calls or letters since XXXX so I assumed that this was settled. When I checked my credit report, It showed that I have been late for 3 years and when I disputed it, they charged it off my report and now my credit score dropped 30 points. The report originally said I had a XXXX balance but after the dispute, it stated that {$630.00} was charged off. I sent them a check today for the XXXX because I need a good credit score to get a job and a car and this really is a big problem for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

On XX/XX/2023. The Discover posted my balance transfer for the amount of {$10000.00} and interest of {$430.00}. For paying a Loan that my partner XXXX XXXX has with XXXX XXXX XXXX XXXX. I called Discover and ask for transaction ID number payment number and they told me they do not have that information because Discover paid electronically. XXXX need that information to trace the payment. As per today, there is a balance in my account was never paid to XXXX and Discover charged me for it with interest. 

On the XXXX side the loan keeps accruing interest because Discover did no pay them.
Product: Debt collection

Commonwealth Financial Systems attempted to collect a previous medical bill debt that was already paid years ago. They also offered to discount the offer at 50 % off of the current balance in one payment. 

This was sent on XX/XX/XXXX on behalf of the original creditor, XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA. They told me to take advantage of the special offer through my Recovery Representative. 

This debt was paid in XXXX and is a fraudulent attempt at collecting money no longer owed.
Product: Checking or savings account

Someone wired me money to get back and forth to work on this day i thought my funds would be available in 24 hours now i wont be able to make it to work i have no cash all my money is on the card this is the reason i dont deal with banks I'll rather have cash its always a issue with these banks people work i cant even go into the bank because they dont open on weekends this is some straight XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian thats on or around XX/XX/XXXX that these items on my credit report marked as hard inquiries are mot true & that they be removed I have yet to hear from Experian and the items have not been removed I am filing that these items be removed at once those items are 1. XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX 10. XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX oval date : XX/XX/XXXX XXXX