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

This account does not belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory about this burean. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Student loan

We were contacted from The Student Loan Pro who knew all of my information about my student federal loan. They told me I could pay them XXXX to consolidated my student loans. Never once mentioning this is a free service through the federal government. When my wife called on her student loans they explained its a free service to consolidate the loans and that we should contact CFPB on what was being done.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Unknown Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXXXXXX XXXXccount Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries 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.
Product: Payday loan, title loan, or personal loan

I am not past due and have paid in-full on-time every month. My employer is changing our pay schedule which means I will not have the money in my account when the payment is due on the XXXX. I am trying to be proactive and have contacted Klarna to request a payment due date change in order to continue to pay my loan in-full and on-time. I am being told they will not due this. Rather, they will continue to pull the payment on the XXXX when I will have no money resulting in either an NSF fee from my bank, or a missed/late payment to them which will cause a late fee and possible negative reporting to the credit bureaus. I have perfect credit. I have never missed a payment, never not paid a payment in full, never had a collection, or judgement. I want to keep it this way, which is why I contacted Klarna on XX/XX/2022 to request a payment due date change which sufficient time before my pay schedule changed at the end of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX Bank XXXX XXXX and XXXX XXXX XXXX XXXX for their continued unlawful and inaccurate reporting of debts associated with the above-referenced accounts to TransUnion. Additionally, I am holding TransUnion accountable for its failure to verify or validate this information as required by law, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. TransUnion has failed in this regard by disseminating unverifiable and inaccurate information that materially damages my credit profile. Furthermore, under 15 U.S.C. 1681c, adverse items of information that are outdated or inaccurate should not remain on a consumers credit file. 

The FCRA further clarifies in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX. XXXX ) that credit reporting agencies and data furnishers share a duty to conduct reasonable investigations when inaccuracies are disputed. To date, there has been no proof that the debts in question are valid, yet they remain improperly reported. 

In addition, I refer you to the FTC Report ( 2013 WL 419348, at 14 ), which highlights the responsibility of data furnishers and credit reporting agencies to adhere to high standards of accuracy and compliance with the FCRA. XXXX Bank XXXX XXXX and XXXX XXXX XXXX XXXX failure to provide verifiable proof of these alleged debts constitutes a blatant disregard for federal requirements. 

The IRS also states that a charge-off is considered taxable income, and I should have received a Form 1099-C if either XXXX Bank & XXXX  or XXXX XXXX XXXX XXXX considered these debts uncollectible . To my knowledge, I have received no such documentation. This omission raises further concerns about the legitimacy of the reported debts and the creditors compliance with tax laws. 

I demand immediate action to correct this situation : 1. Full Validation : XXXX Bank XXXX XXXX and XXXX XXXX XXXX XXXX must provide valid proof of these debts, including detailed account statements and evidence of my liability. 
2. Removal of Inaccurate Information : TransUnion must cease reporting unverifiable and inaccurate information about these accounts.

3. Explanation of Non-Compliance : I request a written explanation as to why no Form 1099-C has been issued if these debts are considered charged-off. 

If these issues are not promptly addressed, I will pursue further remedies, including filing complaints with other regulatory bodies, initiating legal action under the FCRA, and seeking damages for harm caused to my credit profile and financial standing. 

Please treat this letter as a formal dispute and respond in writing within 15 days as required by law.
Product: Credit reporting or other personal consumer reports

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Debt collection

I have asked  Portfolio Revovery Associates, LLC  to send me verification that this bill is mine and all they send me was a bill. I need verification such as a contact or signature stating that I had this bill. I received a  Bill . This was    XXXX   XXXX   ,  2013   .
Product: Debt collection

am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. And it was removed and placed back on my account for the second time
Product: Debt collection

Frost Arnett Company are continuing to try to collect on a debt that I have plainly told them was as a result of identity theft. I have mailed a certified letter and I have made a phone call to Frost Arnett to  tell them that the debt that they are attempting to collect on was due to someone using my personal information that they obtained when my identity was stolen. When I spoke to them on the phone they told me that they did not care if the debt was from identity theft that I just needed to pay it. I told them that I was not going to pay a debt that I did not owe, and they told me that if I did not pay the debt that they would have me arrested. I told them that I was not going to pay for a fraudulent debt and they told me they would report the item to all XXXX credit bureaus so that they would prevent me from being able to obtain credit until I paid the fraudulent debt. I told them that it was unlawful to defame someone 's character, but they told me that they would do what they wanted to do until I paid the fraudulent debt. The debt was from XXXX Hospital the account number for the fraudulent debt with Frost Arnett is XXXX. I have also contacted XXXX XXXX Hospital and told them this was not my debt and was as the result of identity theft, but they refused to speak to me and told me that I had to contact the collection agency. I told XXXX XXXX that Frost Arnett was verbally abusive to me and were threatening me, and they told m that they did not care that I had to contact them and pay the fraudulent debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPTEDXXXX XXXX  XXXX 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.
Product: Vehicle loan or lease

I turned in a XXXX XXXX lease in XX/XX/XXXX. 

Over the next 3 months, I asked if there were any fees due with turning in the car. In at least 5 instances, I was told no fees were due. 

Now 18 months later, the finance company is threatening to send my account to collections for a {$1200.00} invoice that was just sent to me today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to XXXX, XXXX, and Transunion along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. 

( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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
Product: Checking or savings account

I relocated from XXXX to XXXX around XX/XX/2020. I telephoned, and wrote the bank on several occasions to close the account without success. I just received a letter from the bank stating the account is dormant and I will be charged a fee. That's not fair!
Product: Checking or savings account

Fees and amounts not right XXXX Did not fix or give money back
Product: Vehicle loan or lease

My dealership opened a lease through U.S. Bank for my XXXX XXXX. The lease was up this year ( XXXX ). I turned the car over to the dealership in XXXX and signed off on the buyout amount and started a new lease at the same dealership. 
The dealership sent in the check to the bank. Weeks later, I'm getting notices in the mail that I owe {$900.00} and the payment is late and there are fees incurring. The check matches the contractual amount I signed XX/XX/XXXX. 
I paid on my lease in XXXX and if XXXX. I called and explained that it was paid in full and I actually need my payment of {$360.00} in XXXX sent back to me. The dealership needed to send in paperwork with the check. It finally arrived in XXXX. I asked again about the overage- they told me to call back in a week after it goes through accounting. I called, they confirmed the overage. Weeks go by, no check. I call again and now they claim the dealership must have it because they don't have extra money. And they do, they have the full amount of the car plus my {$360.00}.
Product: Vehicle loan or lease

I am formally listing a complaint against iLendingDirect.com. I received an offer for credit to refinance my vehicle at 84 months with a 3 % rate indicating an approval for the terms based on a soft inquiry. The lender then proceeded to make an unauthorized hard inquiry and offered terms substantially different than the terms ( 100bps higher ) expressed in the offering. Their marketing strategy is deceptive, offering teaser rates and terms they are not able reasonably extend to an individual. As this company has engaged in such deceptive tactics, I felt it necessary to report this activity to the CPFB. Please contact me with additional questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. I froze my accounts with XXXX and XXXX. When I attempted with Equifax their system required that I create an account, and so i did. Unfortunately after creating the account I was unable to log in. I called customer service and after much prompting got a ticket # XXXX. Someone was supposed to call me back. Nobody ever did. 
I tried " forgot password '' which was suggested on the XXXX but I never get an email with instructions. 
I tried recreating the profile using the same email address, just to ensure that the profile was, in fact, created, and this confirms that it was created because the message says profile exists. 
I don't want someone at Equifax to freeze my account, i want to be able to use self serve, so that I can unfreeze if needed without relying on a phone call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with TransUnion XXXX and XXXX and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau XXXX which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.
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. 

Account name : XXXX XXXX XXXX XXXXE, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account 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 XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Product: Debt collection

Hello, I would like to dispute the following collection company " Portfolio Recovery '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " PR '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " PR '' anything and never should have paid " PR '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " Portfolio Recovery '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " Portfolio Recovery '' Thank you for your assistance with this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, you are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? I want names and addresses for each person who verified the account and the method in which it was verified. 
You informed me over the phone all records of verification have been shredded. You have NOT provided me a copy of ANY certified original documentation ( a consumer contract with my signature on it ) as required under Federal Law or any proof of your verification other the a letter stating an account was verified. A contract is an agreement between two or more parties creating obligations that are enforceable or otherwise recognizable at law. Show me a signed contract with Innovis. Show me a signed contract with each creditor proving I have given them permission to report to Innovis. Furthermore, you have failed to provide the method of verification as an Original Wet Note signature. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Product: Debt collection

On XXXX/XXXX/XXXX - Received mail from Rash Curtis and Associate about a collection On XXXX/XXXX/XXXX - I paid my debt in full to the original creditor ( XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ) ( have receipts from my bank as well as the original creditor ) On XXXX/XXXX/XXXX - Received a call from Rash Curtis and Associates, where I had informed their representative that I have already paid the debt in full to the creditor and have receipts and confirmation. 

On XXXX/XXXX/XXXX - Received more mail from Rash Curtis and Associates trying to collect this debt that has already been paid, as well as the cookie cutter threat to report it to the credit agencies ...
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Debt collection

I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.