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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$7100.00}.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNT BEING REPORTED THAT I AM NOT AFFILIATED WITH NOR DO I HAVE ANY KNOWLEDGE OF. I CONTACTED THE CREDIT REPORTING AGENCIES AND NOTIFIED THEM OF THE INACCURATED REPORTING. I ALSO ADVISED THEM THAT MY INFORMATION HAD BEEN COMPROMISED IN THE PAST AND REQUESTED VERIFICATION. THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. THESE FRAUDULENT ACCOUNTS AND CREDIT INQUIRIES ARE SEVERLY AFFECTING MY CHANCES TO OBTAIN CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED AND THAT VIOLATES 15 USC 1681, AND REPORTING FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2
Product: Debt collection

Aargon Collection Agency did knowingly, willingly and intentionally harm my credit report by listing a collection to at least all three major credit bureaus for a hospital bill that they are in full knowledge of is in dispute due to medical malpractice. 

The hospital bill they have intentionally and maliciously posted to my credit bureau was for an ER visit where I was immediately sent home only to have 2 XXXX XXXX and a XXXX within 24 hours and taken to another hospital for proper treatment. 

Aargon was notified of this through disputes through the credit bureau and through two eMails directly through their website. They have intentionally ignored all of these and continued, with malice, to destroy my credit file despite these known facts. 

A lawsuit is currently being drafted against Aargon for these issues, in the meantime - I feel a federal indictment of them is warranted. This is intentional, malicious and against the law.
Product: Debt collection

Received collection notice from Wakefield and Associates for a medical debt that did not exist. When I called in the representative attempted to get personal information. When I began to question and let them know I would be reaching out to the company in which the alleged debt was owed, they became very aggressive with their communication. After confirming with the company that there was not a outstanding debt I called them back to seek further information and they again started asking for personal information but different questions this time. It appeared that this was an effort to collect as much information as possible for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting wrong credit history of a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses from my report as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

There are errors on my credit report linked to 15 USC 16c-2. The inquiries listed were not sanctioned by me, and this inaccurate information is hurting my credit. Please take down all unauthorized hard inquiries. Thank you!
Product: Debt collection

COMMONWEALTH FINANCIAL XX/XX/2018 Date Opened Collection account. {$530.00} Collections were closed on my XXXX dispute. 
Dispute Reasons Accuracy : The dates on this account are incorrect. 
This account is too old to be on my credit report. 

XXXX dispute has not closed and still is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint to you requesting an investigation into this account that I believed was INACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I got a text message alerting me that I made a purchase of XXXX EUR and 1 min later another XXXX EUR. ( mind you i did not make these purchases ) I immediate call my credit card company and lock my credit card in foreign countries. Then I try logging into my paypal account, but I can't ( because the hacker, closed my account ) I then proceed to use text chat box in the paypal main page, but XXXX the lady who works for paypal, says she can't help me because my account was closed. Basic runaround and tells me to email paypal. 

So i email paypal, and they tell me that I have to log in and goto the resolution center and deal with the problem there. 

I write them telling them, I can't log in to my account because it was closed and hacked. But the email i received tells me the same message over and over and over again. WIthout any help or resolution. 

Finally i call paypal, and they give me the basic runaround, Im on the phone with recordings and bots, and another 40 mins wasted.

I finally reach somebody and they ask me for my information, and after waiting another 30 mins, she tells me my account was closed so, they can't do nothing and gives me another phone, which doesn't work. 

I get upset and ask to speak to the supervisor, i wait and wait... .then finally supervisor XXXX gets on the phone and asks me the same questions and I couldn't understand what she was saying... .and basically, ... ..i think nothing will be done. 

I don't want to call him, or deal with them anymore. I wasted time, energy, been stressed the whole day. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an extension to the previous complaint I have submitted. below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section XXXX, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX11 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX XXXX  account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} XXXX  Date : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}
Product: Vehicle loan or lease

The car was paid off in full but is showing a repossession on my credit and is now affecting my ability to get a car loan.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a few different people that keep calling from various numbers and state that there is a balance from a Music company for a kids musical instrument. 

My daughter is XXXX XXXX XXXX - we do not have a child in music. 
I then found that there is a debt showing up on my credit reports for KINUM INC For a company XXXX XXXX XXXX XXXX ( orginal creditor ). 

This is fraudulent and does not belong to me or my family. 
I have tried to resolve and instead I'm told that if I don't pay it they can put a lean on my assets- very aggressive communication- I want this resolved and taken off my credit report at once.
Product: Credit reporting or other personal consumer reports

XXXX has failed to do a proper investigation because if they had they would see this account isnt mine and is result of identity theft. XXXX XXXX  is sending letters to my address for the correct owner of this loan which is clearly not my name and put me in danger by using his name attracted to my address. This loan was obtained by XXXX XXXX and used my social without my knowledge.
Product: Debt collection

Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for Ashley Furniture could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.
Product: Checking or savings account

Every since I opened the account back in 2021 I feel I have been over charged for over drafting my account. I just received a refund today for an over draft for this month but what about all the other months since 2021?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ; XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  ; Inquiry Date : XX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report.
Product: Debt collection

told diversified consultants to quit calling, and they keep harassing me
Product: Checking or savings account

Since XXXX, XXXX to today XXXX XX/XX/XXXX, I have not been able to access my savings account with Synchrony Bank XXXX I went through several bankers and tried everything suggested. I can access the website even though when I try to access my account, I receive " This site can not be reached and might be temporarily down or may have moved permanently to a new web address ''.

I have lodged a complaint with the Connecticut Attorney General today.

It is very important that I be able to access my savings. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get answers from transunion on why these inquries are coming up on my credit. i have sent multiple letters to transunion and the have not answered anything i have asked them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 

XXXX XXXX XXXX- XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX  XXXX XXXXPlease provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
XXXX XXXX XXXX-Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 

Or have these items DELETED FROM MY CREDIT REPORT WITHIN 15 DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1992
Product: Credit reporting or other personal consumer reports

My name and personal information have repeated been reported with false information. Previous attempts with proof of identity provided have been ignored. Addresses that I have no knowledge of are continually being reported with these companies. Associations are listed on my credit file with XXXX I have no knowledge of, in states I do not reside in. I am a victim of identity theft which is documented with the IRS, and this proof has been verified. These inaccuracies have caused extreme hardship and has led to my subsequent state of homelessness. These companies malicious and willful acts of dismissing the law continue to cause undue hardships. Please assist me with resolving this matter. Thank you for your time
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Account Name : XXXX ), ( Account Number : XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thank You.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. 

Proof of ownership of the debt by the reporting creditor or collection agency. 
Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. 

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. 


Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation. 

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law. 

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.