23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau of Ft. Walton Beach XXXX FL XXXX Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX XXXX XXXX XXXX. 
The entry on my reports reflect that Credit Bureau of Ft. Walton Beach reported this entry in XXXX and XX/XX/XXXX on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Why does XXXX   reflect payment history in XXXX and XXXX, yet on XXXX, they do not report any payment history. Too, the Affordable Care Act provides that companies must allow six months to past prior to reporting any alleged medical entry to consumers ' credit report. This company violated this as well. Their reporting again began in XX/XX/XXXX and the date opened reflects XXXX and XXXX XXXX this is only a mere 2-3 months. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Collection Bureau of Ft. Walton Beach, FL. To that end, in XX/XX/XXXX ( see attached letter ), I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). 
To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had 60 days to respond to me, yet they have not. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that Collection Bureau of Ft. Walton Beach, Fl has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Product: Checking or savings account

It was reported to me from XXXX XXXX that I hard Inquiry on my account done by my Capital one bank. 

I neither authorized nor was informed of this inquiry.
Product: Mortgage

I applied for a 30 year mortgage 84 months ago with Wells Fargo and was informed that it was in fact not a 30 year mortgage, but only fixed for 84 months and then it becomes variable. I was not informed of this by the loan officer, although it may be in the 70 page closing documents. I made it very clear that I was looking for a fixed 30 year mortgage, particularly given my advanced age, and was told by the loan officer that it is was a fixed mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my Experian, XXXX, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on Experian which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus Experian, XXXX, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681c ( a ), I request deletion from my credit report due to inaccurate and inconsistent information. The last payment dates reported are contradictory, making the information unreliable.also one shows a closed date and my other report doesnt
Product: Debt collection

Never had a XXXX account, never requested a XXXX account. Received calls & letters from AMSHER Collections stating I owe {$510.00}. Sent certified letter to AMSHER Collections requesting Copy of original contract bearing my signature Copy of payment history from original creditor Name & address of original creditor Proof AMSHER Collections, AMSHER parent company, subsidiaries or affiliates owns or has been assigned to collect this alleged debt No reply received, filed FTC Identity Theft Report, report # XXXX. 

Sent second certified letter to AMSHER Collections requesting : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies And if AMSHER Collections already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft
Product: Credit reporting or other personal consumer reports

This has been collected 2x from me by garnishment. I was never served. This shouldve been only 1 debt
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding fraudulent addresses, unauthorized inquiries and fraudulent accounts established in my name without my consent or knowledge. I discovered that I had fallen victim to identity theft when I noticed several unfamiliar accounts and credit inquiries on my TransUnion credit report. Despite my efforts to resolve this issue, TransUnion has not removed these fraudulent entries. These unauthorized actions have caused significant damage to my credit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXXl XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX Bank # XXXX, Account name : XXXX XXXX XXXX Bank XXXX XXXX XXXX, Account name : Roadmaster driver school # XXXX Account name : XXXX XXXX Account # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 ( ii ) 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 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I found out that Experian credit reporting company was erroneously reporting that my XXXX XXXX account was past due 30 days for XXXX XXXX. I called the XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they repeatedly stated that they did not report my account as being past due. I have contact Experian on multiple occasions via phone and online trying to get this issue corrected. Most recently on XX/XX/XXXX and XX/XX/XXXX again submitting the letters that were sent to XXXX XXXX to correct the issue. Again this has never been reported by XXXX XXXX as past due. Experian never corrected the error. Experian has never reported a status of this inquiry to me. I want this issue to be corrected. This account for XXXX XXXX XXXX is now Closed but I still want the Payment History to be corrected!
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. LVNV FUNDING LLC # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting charge off but won't send me XXXX for the charge off. This is tax fraud. I filed it as income. Income can not be stated on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : U S DEPT OF ED/XXXX, DEPT OF ED/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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I am submitting a formally complaint because I was contacted by XXXX on XX/XX/XXXX via a recorded call line. Pertaining to a voice mail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. The phone call stated that they were attempting to collect a debt. I stated that the debt was false and sent a certified letter to dispute the debt. 

I sent an email on XX/XX/XXXX stating and got no reply. 

Hello, I am responding to your contact about a debt you are trying to collect. Attached is a letter in the format of a PDF and Word document. Please be advised that I have also sent this letter via certified mail. Please confirm your receipt of this email. 

Best, XXXX XXXX I sent two emails on XXXX and got no response. 


Hello, This is XXXX XXXX. I am following up regarding the letter I emailed and mailed on XX/XX/XXXX. Please confirm receipt of this email. 

I am also attaching the letter to this email for reference. 

Please note that this is the email that supervisor XXXX gave me on XX/XX/XXXX via a recorded call line. Pertaining to the voicemail I received from XXXX XXXX at Hunter Warfield on XX/XX/XXXX. 

Please respond accordingly or I will be contacting the Attorney Generals office and the CFPB. 

Best, XXXX XXXX XXXX, This is XXXX XXXX. Following up to provide proof of delivery for the letter I sent in response to the phone call I received on XX/XX/XXXX from XXXX XXXX at Hunter Warfield. 

Please follow up with me accordingly.
Product: Credit card or prepaid card

I thought I had set up auto-payments on my XXXX XXXX  store card but apparently did not and have discovered this is not even an option they offer. I think this is blatantly anti-consumer and should be required of credit companies. 

Here are the details : Payment was due XXXXXX/XX/XXXX 

When I checked my account 2 days later ( XXXX ) and realized I was not set up for auto-pay, I paid the {$350.00} balance in full. 

Because of this erroneous assumption about auto-pay, I was charged a late fee of {$27.00} ( XX/XX/XXXX ) a " finance charge '' of {$7.00} (XX/XX/XXXX ) When I firmly complained to XXXX XXXX they agreed to give me one-time relief and credit back the {$34.00}, for which I thanked them heartily. 

Still, is n't there a law that requires credit-issuers to provide the auto-payment option to customers? 

Consumers should ALWAYS have the option of setting up auto-pay as a way of ensuring they make timely payments. We are busy, busy people trying to do the right thing and pay on time. 

Please help the consumers! 

Thank you.
Product: Debt collection

Yes my name is and Transworld systems Inc/XXXX. I have never been contacted by this company by phone or writing no voice mail or any type of representation that I owed a debt to anyone recieved no mail. One hit from this company has already went against my credit recently as a day ago for XXXX dollars which if was aware of would have paid. Now I believe they are hitting me with another one as my credit monitoring has stated that they are putting another one against my credit soon. Again with no reporting to me or anything. I have not recieved a single bill statement notice to appear or anything. Was not given fair oppratunity to make right before going against my credit. I need help my credit is excellent and should not be ruined or tarnished for a company that's has never notified me.
Product: Debt collection

I.C. Systems sent an email on XX/XX/year> in which l responded by demanding that they not contact me by email and all correspondence should be by XXXX XXXX I also asked that they validate this " junk debt '' that was already sold by XXXX XXXX XXXX XXXX who couldn't confirm that it was my debt. ( See attached ). This " junk debt '' that they are trying to collect on has run its course and in the state of Michigan the statue of limitations is 6 years from original creditor XXXX ( XXXX ) who has already taken a XXXXXXXX XXXX  out on this debt and sold it already to XXXX XXXX. Also, IC Systems violated the FCRA regulations and previous recorded laws set forth by XXXX XXXX XXXX, where in this case you must get account-level documentation with wet-ink signature in which I.C. Systems does not have because I never agreed to contract with them. Also there was a creditor disclosure statement that needed to filled out but was not. They sent an old bill from the creditor who already sold this junk debt to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under tra_icking according to Tra_icking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 21st 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

My account contains multiple inquiries that aren't associated with me. I've attached a proper dispute below.
Product: Credit reporting or other personal consumer reports

ACCOOUNT : XXXX XXXX ACCOUNT NUMBER # XXXX ACCOUNT DATE. XX/XX/XXXX TO WHOM THIS MAY CONCERN : CHARGED THIS ACCOUNT OFF AS OF XX/XX/XXXX. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT.

I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information appearing on my credit report regarding one of my accounts. According to my recent credit report, there are two different entries for the same account with conflicting information, which I believe to be an error on your part.

15 U.S.C. 1681 et seq. is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how accurate and fair they are. The FCRA requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of their reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had an auto loan with XXXX XXXX XXXX. The loan was successfully paid in full. On all three credit bureaus the closed loan is showing a 30 day late payment ( different alleged delinquency date on Transunion, XXXX  & XXXX  ). Also on my Equifax report the loan which was closed in 2020 is still showing open with a balance of over $ XXXX. This is preventing me from obtaining a mortgage for me and my young family. I have tried numerous times to get this fixed by disputing with Transunion, XXXX  & XXXX  as well as XXXX XXXX XXXX, with no resolution!!!
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. 

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 has violated my rights. 

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.