23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute an item on my credit report related to the account with I C SYSTEM. The information provided by this collection agency is inaccurate and is negatively affecting my creditworthiness. I request that you investigate and correct this issue promptly. 

Details of the disputed item : - Creditor Name : I C SYSTEM - Creditor Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX -Account Name I C SYSTEM - Account Number : XXXX - Description of Inaccuracy : Collection agency has not provided validation information under 12 CFR 1006.34B5, yet they placed collections on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34C4. The collection agency is violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. They have no authority to furnish this account to a consumer reporting agency without providing all disclosures required by law, which is a clear violation of 12 CFR 1006.34D and 15 USC 1681S-27A. 
I hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you do not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 

Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that you are licensed or legally authorized to collect on a debt in my state. Proof that you are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect the debt on their behalf. The original creditors name. Details on when the account first went into a delinquent status since that is the dare required as OPEN DATE on the collection account I kindly request that you : 1. Conduct a thorough investigation into this matter.

2. Correct any inaccuracies promptly.

3. Provide me with written confirmation of the resolution.

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate and respond within 15 days. I appreciate your attention to this matter and look forward to a swift resolution. 

Please do not contact me until you have collected and sent this information to me at the address on this letter. You do not have the authority to provide this address to the credit bureaus as an updated address for the account. If prior authorization was granted, I hereby revoke any authorization to discuss this account with any 3rd party such as my work, family, or anyone other than me. 

Please acknowledge that you have received this notice Thank you for your assistance.
Product: Debt collection

I have been contacted through mail by USCB America about a debt I owed to XXXX XXXX. I logged in to pay off the debt but I saw the amount owed is different from what I have on the letter. I called them and asked why it was different. I asked for an itemized statement of debt I did not pay from the original creditor. They were rude and said it is on their website and I should go look there. I said I looked at their website and I did not see itemized lists. There were just XXXX debt collection letters from the past which did not add up to the debt they were showing that I owed... I looked deeper and found a listing of several line items of debt I owed with minimal details like id, principal and interest. I was curious what the interest was as I never agreed to any terms that I would pay interest on this debt. I also saw that in XXXX of the debt collection letters they offered to settle for a lower amount. I asked if they can waive the interest and honor the debt settlement offer they made so I can pay off the debt right away. They said that debt settlement offer is not valid anymore and I have to pay the full balance. 

I am attaching the XXXX letter and the itemization with pretty hefty interest charges.
Product: Credit reporting or other personal consumer reports

This is not a mistake. I am genuinely terrified, frustrated and confused about how badly these accounts on my credit report has turned out. Do you have any idea how much stress this caused me? Knowing that these accounts were not to a XXXX percent accurately reported in my credit, and nothing has been worked on because I am being ignored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of United States Automobile Association ( USAA ), violated several statutes recognized in the State of Texas. USAA had denied my property theft claim and refused to issue a settlement or payment for my loss, however, they have not reported this information to XXXX. Instead, USAA and their agent ( s ) have left my theft claim disposition status as open, and there is a mortgagee and loan number associated with my theft claim listed on my consumer credit report issued by XXXX. USAA has been negligent in responding to any of my concerns or requests for resolution. I have never been contacted about the existence of a mortgagee or loan number. I have not been presented with details about this and I am left in the dark about the status and verifiable reasoning behind this. All I know for certain is that USAA had violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Bill of Rights, and breached contract. I now have further reason to believe that their negligence and actions constitute additional violations of law regarding finance ( loans, banks, etc. ). Specifically, they have failed to contact me and inform me of this mortagee and existing loan number associated on property theft claim my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the 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 XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681 s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appears on my XXXX report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}.
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with EXPERIAN concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. EXPERIAN claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Credit card or prepaid card

Company put a hold on my card so I can't use it even though I specifically called to complain about the hold being on the card. Spent the entire day trying to get the hold off the card. Still to this day the hold is still there even after expressing not wanting it. And I still can't use my card. There reps would not assist. I told their rep to remove it before my call got disconnected. It took nearly 2 hours to reach them in the first place. Hold times are ridiculous. Terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance of America Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020. This is impacting my credit and am unable to obtain needed credit. 

XXXX*I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records despite multiple written request. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$150.00} and change to bring my account current with XXXX XXXX chain and the financer synchrony bank. In the recorded call I specified to bring my whole account current and the lady on the other end let me know I was up to date. Today Sat XX/XX/XXXX I'm trying to make a purchase but before I go I call to check available Balance, there is none and the automated system let 's me know my acct. Is closed. XXXX from c.s line XXXX very curtly let 's me know he is sorry to hear this but the account is closed and I still have an amount of {$38.00} and change pending and he was ready to transfer me to the line to pay that, I said no because in the call of XX/XX/XXXX, I  asked that the account be completely current as to not owe anything. XXXX just said sorry and said if I still wanted to pay the amount due I said no and thanked him for his service. I know I was behind and O made my attempt to bring the account current and to make the balance available he said that I needed to re apply. I need the company to review the call of XXXX and explain to me why I still when I was very specific on my call to help bring this account current and why was I not informed the account would be close and why I still oweXXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I XXXX XXXX attempted to dispute an inaccurate account on my Experian Credit File- The account in question XXXX list wrongful payment balances, amounts & other harmful inaccurate information that drastically affect my ability to acquire credit. I have saught resolution in several instances from Experian, however the account and its more than visible inaccuracies remain on my credit file. Dispite multiple calls to Experian and conversations with supervisors nothing has been done. Per section 501 FCRA I am entitled to written proof as to why this inaccurate account hasnt been removed. If account isnt updated correctly I will litigate Experian
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) & FCRA 605 ( b ) I am writing to formally notify you that I have been a victim of a data breach and identity theft, resulting in several fraudulent accounts and inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit file : Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX - Balance : {$450.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$6100.00} XXXX. XXXX XXXX XXXX- Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} Fraudulent Inquiry : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
Product: Checking or savings account

Sent total of {$59000.00} wire transfer to this Bank of America Business Account ( XXXX XXXX XXXX ) account # XXXX, Bank of America responded wire can not be reversed, they are protecting their client bad business practices this is fraud scam business Scamming people stealing money from innocent people. Without investigating Bank of America refused to reverse my hard earned money. Bank of America is protecting fraudster account holder. 
I am suffering with emotional physical trauma I am depressed my account drained my business is suffering I dont want to become Because of this fraudster he took my money & never gave me product, he is not answering phones text messages. I want my money or I am suing Bank of America. This account # & business should be audited I dont know how many innocent people he scammed & stole their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinves-tigation.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of 15 USC 1681- Congressional findings and statement of purpose ; ( a ) Accuracy and Fairness of Credit Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Closed Accounts for XXXXDep. of Education are incorrect. Please refer to attachments. 

Please delete Hard Inquiry for XXXX XXXX, for I never gave written instructions for that Hard Inquiry to be placed on my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in 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