23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received an email notification through XXXX that XXXX reported a debt collection from Helvey & Associates XXXX XXXX in the amount of {$820.00}. I contacted Helvey & Associates XXXX to find out that my name, social security and date of birth were used to open two gas and electric accounts from XXXX XXXX ( XXXX ) XXXX using the addresses as follows : XXXX XXXX XXXX, XXXX, North Carolina and XXXX XXXX XXXX, XXXX, North Carolina. I live in California and never lived in XXXX, North Carolina. I am a victim of identity theft with previous incidents that have occurred last year. I relayed this information to the representative and the representative gave me the phone number to contact XXXX XXXX. 
I spoke to the representative at XXXX XXXX in order to start the investigation and remove the accounts as fraud and to advise Helvey & Associates XXXX to remove the debt collection my credit report. Representative informed me about the accounts : ( XXXX ) Amount : {$22.00}- Account XXXX. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina ( 2 ) Amount : {$820.00} - Account No. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina. 
Representative from XXXX XXXX advised me to go to ftc.gov to complete a fraud report and mail back along with my police report in XX/XX/XXXX to begin the investigation.
Product: Debt collection

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Debt collection

I spoke to XXXX XXXX after the phone was lost by shipper XX/XX/2021 my account had a XXXX charge for the cost of the phone due to XXXX  failing to issue me a refund and i had to dispute the charge from my credit card XXXX  XXXX paid me and then XXXX  re-added the cost of the lost XXXX  XXXX XXXX  XXXX to my account even though their own handset order research request found that the phone was lost by shipper when i reached out to XXXX and ask why my account was in collections after i departed with them they told me i owed money for a phone when i submitted proof that the phone was lost by the shipping company they performed handset order research request and found that the phone was lost by ups the request number is XXXX after this step with a phone representative they place me on hold for one hour then ended the phone call
Product: Vehicle loan or lease

This should be removed from my credit report because the loan itself was over 7 years ago. I have stated this to them on many occasions since the sold the vehicle and has not provided me with the amount sold. I want it off my credit report. They remove it and place it right back on which causes issue with my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from CoreLogic Credco on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. CoreLogic Credco violated federal law. see 15 USC 1681b A2. I did not give CoreLogic Credco Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Credit reporting

Listed on my credit report from Equafax is a collection debt for {$77.00}. The account number is : XXXX. 
There is no identifying information for this debt. I am not aware of who owns this debt, or how to contact them. I am wishing to resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Capital One Bank Account Number : XXXX In accordance to the Fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 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.

Capital one has two accounts on my report with two different balances with the same account number. They deleted the account from XXXX  but still havent removed it from the other reporting agencies.
Product: Checking or savings account

Cash App advertised on its XXXX app that if I had my work direct deposit sent to my account with Cash App, that they would give me a {$50.00} credit on my next transaction of {$50.00} or more. I satisfied those terms and made a purchase at XXXX. The transaction was canceled and I was refunded the amount minus the {$50.00} credit. That is fine, but now Cash App wont re-enable the credit for a future transaction, so effectively I was taken advantage of by having funds sent to Cash App and at when the opportunity arose, they kept the promotional credit.
Product: Debt collection

According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company UNITED AUTO CREDIT CO # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Product: Credit reporting or other personal consumer reports

Wells Fargo Card Services ( closed my account on XX/XX/year> while I was still making payments doing the pandemic. They charged off the account, but did not send me a 1099 form which is considered fraud. I want to report this creditor to the IRS to tax fraud, and sue them for not removing this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 an i quiry showed up on my reports from a Capitol One Auto Finance in XXXX, TX. I have never heard of this company, never applied for any services with this company, never authorized any credit inquiries from this company. This isnt mine and should not be on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company keeps tagging my credit report as a skip when my address is correct and they know it is because I told them. I have gone through XXXX and they just won't stop. They keep doing it several times a week to damage my credit in an attempt to collect bills I have disputed
Product: Student loan

I had student loans with XXXX XXXX back in XXXX. My daughter was XXXX years of life. XXXX XXXX had allowed me to defer my payments for 6 months, after which I had started making payments again. After making payments for another 6 months, but because My husband and I were struggling financially due to all the hospital bills, I contacted a representative with XXXX XXXX and was told I could defer my payments for another 6 months this was in XXXX. It would allow my husband and I to get financially situated so that I could start paying off my student loans. In that course of 6 months my loans were Sold off to XXXX ( Formerly XXXX XXXX ) and Students Assistance Foundation. In XXXX my tax refund was taken from me to pay off the student loans which I had assumed went to XXXX XXXX. I did not receive any correspondence regarding my loan had gone into default and was being collected by these XXXX collection agencies. Now on my credit report it shows those 6-7 months of deferment as being late payments with Collection agencies for 90 days and 120 days late plus interest. I have since sent certified letters to both Student Assistance Foundation and XXXX requesting requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them along with proof of late payments, i.e cancelled checks or statements of scheduled payments. This was sent to them Via Certified Letter on XXXX XXXX, XXXX.Student Assistance Foundation responded with a computer generated printout called Loan Reconstruction Spreadsheet. ( please see attached ) Nothing that shows validation showing my signature. XXXX has not responded to any of my correspondence, and has my Student loan listed as a charge off on my credit report. this loan has been paid in full since XXXX XXXX. I was never late with either of them and neither SAF or XXXX is licensed in the State of Arizona where I reside to collect on a debt and charge interest, which is required in the state of AZ. I would like Both SAF and XXXX to be investigated into this matter, since both Collection Agencies have neglected to correspond with me correctly according to FCRA Section 623 ( a ) 3, and FDCPA section 807 ( 8 ). I asking said Collection agencies Student Assistance Foundation and XXXX remove the inaccurate reporting from my personal credit file.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX, at XXXX, I submitted a " Next business day, {$0.00} fee, ACH XXXX XXXX XXXX XXXX cutoff time '' using my personal Bank of America checking account. 

As of Thursday XX/XX/XXXX, after XXXX, the recipient hasn't received the funds. Have called several times Bank of America and they can not explain the reason why ACH transfer was not received during the promised timeframe by the recipient 's bank, XXXX. 

Money has been debited from my account as far as I can see in my Online Banking Account. 

After several calls and speaking with different departments, from Consumer Accounts, to Fraud Department, they always answer mentioning " I am the right person to assist you with this '' and they have not been able to proof where my money is and/or expedite the transfer.

Bank of America does not provide you with a proof of ACH transfer showing exact details, account number and/or routing number to be able to track the ACH. I requested for that and they mentioned that will be delivered after XX/XX/XXXX. 

Also, the status in the Online Banking portal of Bank of America is inconsistent in different views, some showing status as " Cleared '' and other as " In Process ''.
Product: Debt collection

XX/XX/XXXX I sent a letter out Penn Credit Corporation asking them to please remove this debt that I do not owe off my credit, I refuse to pay a debt I dont owe. According to 15 USC 1692c ( c ) if I reach out to the debt collector letting them know I refuse to pay, they have to removed and report the dispute right away. Also according to Fair Credit Reporting Act, they have to respect my request.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX  and requested ( 2 times this far ) they remove the debt collection by XXXX XXXX from my credit report. 

Although XXXX XXXX assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been XXXX months. These accounts do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX  # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear Experian, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX  / XXXX Account Number : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Received notice in mail dated XX/XX/19 indicating a past due amount of {$50.00} owed to XXXX XXXX. We autopay XXXX XXXX through our checking account. Letter is threatening in nature.
Product: Checking or savings account

This is now the third time my card was used in an unauthorized transaction from the same vendor!! And each time I got a new card but it was still authorized! Like Im not understanding what is going on. The first time I was sent a new card, the second time I was sent a new card and was told they will open an investigation and then literally 3 days later it happened again!! Why are yall allowing this to continue! You would think you would cancel transactions from the vendor and its always exactly what is in my account down to the change!! If I had a {$1.00} thats the charge amount if I had XXXX thats the exact charge amount. Like Im starting to think this is internally cause this is becoming a problem, I should be able to safe have money in my checking and not have to put in my saving just so I dont wake up to a charge that everything in my checking is going to a vendor I dont use!!
Product: Credit reporting or other personal consumer reports

Innovate Loan XX/XX/2022 -I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXXXXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX  XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report. 

XXXX XXXXXXXX I tried to reach out to find out who they were and who authorized them. Ive had difficulty. I tried disputing as well and it's still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my second dispute regarding the accuracy and validity of a collection account reported on my consumer credit report. Despite the collection agency 's commitment to provide supporting documentation, I have yet to receive the requested validation. This continued failure to comply with regulatory requirements necessitates further investigation. The debt has now been transferred to a different collection agency. Rather than providing the requested information, they issued a vague statement and transferred the debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omega RMS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laws Being Violated

: 1. HIPAA Violations : The collection agency has accessed and disclosed my individually identifiable health information without proper authorization, in violation of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). The specific violations include : * Unauthorized use of my unique health identifier.

* Obtaining my individually identifiable health information without my consent.

* Disclosing my health information to unauthorized parties.

These actions are punishable under HIPAA, with penalties including fines and imprisonment as detailed in Public Law 104-191.

2.FCRA Violations : The collection agency is also in violation of the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in consumer credit reports. The specific violations include : * Failure to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), despite having placed a collection account on my credit report.

* Not providing me an opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

* Utilizing false, misleading, and deceptive means to collect the debt, thereby violating my consumer rights under the FCRA.
Product: Credit card or prepaid card

I do have a property in XXXX XXXX PA, that I am renovating, and I gave my son my Home Depot Credit card to make some purchase of materials for the renovation of the property which he did in the tune of {$2400.00} and change, but when XXXX  reported the transaction on my Credit score they used a code " THD/CBNA  '', that I did not recognize and did put in a fraud alert with XXXX, but I called the company Home Depot and XXXX  to rectify and cancel the fraud alert after I XXXX  the code and find out that it's a code that is used for Home Depot credit card, I am sending this complaint to debunk the fraud alert on yesterday, XX/XX/2020, thanks for your continues help and assisting render me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, who specialize in bankruptcy process management, end-to-end bankruptcy servicing, bankruptcy research and analytics, and bankruptcy portfolio valuation and modeling. Who obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, you have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my personal information, then sold my personal information to the Transunion ( A Consumer Reporting Agency ). You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.
Product: Money transfer, virtual currency, or money service

Robinhood Application has been hiding my investments and only allowing me to sell. No longer able to buy. This is not commiserate with SEC guidelines and is highly illegal.
Product: Debt collection

I.C SYSTEM INC tried to destroy my credit back in the year 2020 as a FRAUDULENT claim, this account has been PAID OFF for 3 years. 

I am attaching evidence of the fraudulent claim and reporting IC SYSTEM INC is doing to my credit. 

I am demanding to DELETE this fraudulent claim as this account was PAID IN FULL 3 years ago. 

DELETE FROM ALL BUREAUS.