23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXXXXX XXXX has illegally and inaccurately reported an account that is not mine. I would like this account thoroughly investigated and removed once found to be illegitimate.
Product: Debt collection

I received notification from XXXX XXXX XXXX of an CLOSED account added to my Credit Report. The CLOSED account was Sequium Asset Solution. It was with XXXX XXXX XXXX, however, I do not own, have, ever have an XXXX XXXX XXXX account, internet, phone bill, or cable. 

A few months prior to XX/XX/XXXX, I received notification from XXXX XXXX XXXX of another CLOSED account added to my Credit Report. The CLOSED account was XXXX XXXX. I attempted to contact XXXX XXXX, however, due to having an account with them I could not talk to a representative. I file a claim with XXXX about this incident including the place report. 

I could not file a claim/dispute with XXXX XXXX XXXX due to not having an account. I attempted to contact Sequium Asset Solutions but they continued to hang up, not answer, or sent me to voicemail when I attempted to ask them about this Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX , XXXX falsely, fraudulently, and inaccurately reporting 2 accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Experian dispute results XX/XX/XXXX, and the problem has not been resolved Creditior ( data furnisher ) continues falsely, and fraudulently reporting inaccurate account information, altering its address on my Experian credit file ; in addition since dispute XX/XX/XXXX has added Fraudulent 24 month Payment History to my account XX/XX/XXXX and Date Reported XX/XX/XXXX which is false, fraudulent, and inaccurate account was included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Sent additional dispute communication letter to Experian XX/XX/XXXX via certified mail. Sent an Additional Dispute communication letter ( Final Notice ) XX/XX/XXXX via certified mail. Pulled my Experian credit report ( Annual Credit Report.com ) XX/XX/XXXX and issues still have not been resolved, and have not been corrected. Sent a Final Notice to creditor XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, IL XXXX as verified on my XXXX credit file ; in which creditor left dispute communication letter unclaimed ( deemed as notified ) will be identified further through CFPB Complaint ( Experian ). Consumer has requested that Experian remove all False, Fraudulent, and Inaccurate information from consumers credit file regarding both accounts with creditor XXXX XXXX XXXX  XXXX. Full and complete disputed items, and details can be found with all supporting documents which will be uploaded.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX on XX/XX/year>, and I paid my Copay of {$15.00} plus {$60.00} for the medications that same day at the urgent care, I have the proof on my phone from my bank account that it was paid, and I received a letter from RS Clark & Associates , Inc. in my mail that they had a debt of {$60.00} from that day from the XXXX XXXX  that had not paid my debt and that it was going to be sent to Collection, I need to dispute that {$60.00} charge because it was paid the same day by me.
Product: Credit card

Here is the story all over again, as I recall it, in early 2014, XXXX either made or partook in making me a Video DVD, but never got back with me to edit the DVD. What I wanted in this DVD was to have Pictures of Women 's shoes, of the actual items I was selling on my website. I DID NOT want Pictures of Women 's Shoes I was not going to sell on my websites. I have not used the DVD in anyway at all. Why should I to pay for services that I am not happy with? I am not happy with the service they have provided in the past and will not subject myself to such treatment in the future. I can not begin to tell how disappointed I am with this entire situation. I have tried to contact them numerous times and conveniently they are not available. I have verbally expressed my concerns and have requested a Full Request on several occasions. Agents have asserted that they will not return my money. This entire ordeal is sketchy! To date, I have yet to receive the product as described. I attempted to dispute this {$1000.00} dollar transaction with my credit card company, they simply refused to assist me. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have XXXX YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. I have already been through enough calls, emails, and irate conversations with the merchant. They should not be siding with the merchant, my credit card company should be on my side. PLEASE HELP US!
Product: Debt collection

This company has been calling me for months for several different people. Today they called asking for a XXXX and I have finally had enough. They refuse to identify themselves. They refused to provide any information on what and why they continue to call. I have told them I am on the do not call registry. They will not listen to me, they hang up when I talk
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
-XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$930.00} -XXXX XXXX XXXX {$740.00} -XXXX XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX  {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX Account # : 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
Product: Debt collection

I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I unlocked my credit files at Experian, XXXX and XXXX on XX/XX/year> using the on-line feature on the companies ' website. All XXXX companies listed my credit file as " unlocked '' in my accounts. A screen shot of my Experian account information is attached as documentation. 

I applied for a new credit card on XX/XX/year>. It was held up because Experian had not unlocked my file, even though my file was listed as " unlocked '' in my account information on their web site. 

I called Experian on XX/XX/year>, to use the automated customer service option for unlocking my file. There, my credit file was still listed as " locked '' despite the website showing it as " unlocked ''. I unlocked the credit file using the automated service. 

Experian should be forced to fix this feature on their website. I keep my credit file locked, and occasionally unlock it as needed. I should be able to rely on the information shown in my account on their website. This has caused an unnecessary delay in processing my new credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon inspection of my credit report I noticed the following collection account information to be fraudulent and need to be deleted from my file. 

Account Name : Account Number : Account Date : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX these addresses as they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

Dear XXXX XXXX XXXX XXXX, I hope this letter finds you well and in good spirits. I am reaching out with respect and kindness, and I trust we can resolve the matter at hand with mutual understanding and compassion. 

Recently, I received a notice from your office regarding an alleged debt on behalf of the XXXX XXXX XXXXXXXX XXXX ( XXXX ). As someone who values transparency and accuracy, I am kindly requesting that you provide full validation of this debt. This request is made with the hope of ensuring that all details are correct and that any misunderstandings can be cleared up with love and respect
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 XXXXXXXX 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: Debt collection

I don't recall having a contractual relationship with this collection company Ability Recovery Services LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Prepaid card

On XXXX fraudulent activity was done on my card. I called the company and was told because it was pending I would have to wait till the debt was settled a new card was ordered and it took ten days to get the dispute going. I also reached out to the company and they issued the card holder a refund. I have been going back and forth with them and still have not recieved the funds. I provided them proof that the company refunded the money and they still have not added it to my card. The Credit card company gave me the credit and XXXX gave me the money. XXXX is saying that once my company resolved it should have come from the bank. The bank is telling me XXXX should reissue the credit. Both companies have acknowledged that it is fraud but nobody is offering me a solution.
Product: Debt collection

On XX/XX/XXXX, XXXXI received the first initiation of debt from the XXXX XXXX XXXX XXXX that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that Resurgent Capital Services, LP manages LVNV Funding, LLC on behalf of the XXXX XXXX XXXX XXXX. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that Resurgent Capital Services, LP ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

Resurgent Capital Services, LP continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.
Product: Debt collection

On XX/XX/2017 Collins Asset Group added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Collins Asset Group has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

Upon reviewing my consumer file I notice a collection from a company called Upgrade Inc . I requested valid verification from this company in per suite to make clear of this alleged debt. I have not received anything and is concerned that this company is in violation of the FCRA laws 15 USC 1681 and Fair debt collection practice act 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX ... ..I have been a victim of IDENTITY THEFT ... ..I have previously submitted documentation including a IDENTITY THEFT AFFIDAVIT supporting my claims and the account was removed prior but has now made its way back onto my report with a different name and account number ... .it was previously listed as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX and the amount owed was {$1700.00}, it was also listed as XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX XXXX same acct # XXXX amount owed XXXX ... .this by itself should raise a red flag ... .all these different names!! Now it's being listed as XXXX , XXXX acct # XXXX amount owed XXXX ... .I have never rented any apartment in XXXX , Georgia . I have never lived there ... .this is a fraudulent account and I want it to be removed immediately! it dropped my credit score almost 100 pnts and the CREDIT bureaus are negligent they just list items without any proper validation of debt, and these types of errors ruing peoples financial lives!!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On the XXXX of XX/XX/2023 I invited an Individual name XXXX XXXX from the flooring and carpet company XXXX. He began showing products of different types of flooring. He then proceeded to describe financing options. One was with XXXX XXXX, and the other one was with a company called Fortiva. I agreed that i needed new flooring because the flooring in my home at the time was worn out. Fortiva decided to give me financing. 

We agreed on a date for XXXX to send two contractors to do the job as was stated to me. It was around the first week of XXXX when one contractor showed up to my residence to do the work. I asked him where is the other helper. He said he was the only one. I permitted him to began the work. The individual appeared to be in a rush with his work, and directly in front of me poured out a substance onto the floor and later I found out that it had been mixed with the glue he was using to seal the floor to the foundation. He tracked the glue and substance through the house onto the new flooring. 
I told the company about this, and they decided to send him back to clean up his mess. He came and stayed about 15 minutes and the same situation remained and remains. The flooring is damaged. I send the so-called credit card back to Fortiva as a means of rejection of services. Fortiva has sent me a bill that is not correct and I never gave permission to make a transaction with the card they sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple accounts on my report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance Owed : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX your company ran my credit without authorization from me.
Product: Credit reporting

I am putting a complaint on Chexsystems cause I am having ongoing issues with them and they are not trying to correct the issue. In XXXX I had requested a copy of my chex systems file. I received a letter from them dated XXXX XXXX XXXX that my file was mixed with another file with similar information. The reason for this is because I have been a victim of identity theft. They requested for a copy of my social security number to correct the issue. I sent them in a copy of the letter and social security card front and back along with a police report that I had filed. They sent me a copy of my chex systems file at that point. After reviewing the file there are multiple inquiries on my Chexsystems file that were a result of the identity theft. The original police report i sent in dated XXXX/XXXX/XXXX I sent to chexsystems and now I am attaching to my complaint the new police report that I have filed dated XXXX/XXXX/XXXX. The list of inquiries on the report are extensive the only inquiry that should be reporting on my report is XXXX XXXX XXXX on XXXX/XXXX/XXXX I have not requested or authorized anyone to access my chexsystems since then. The rest of the inquiries are the result of the identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX  under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX XXXX the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted XXXX XXXX XXXX to inform them that the account they were reporting to XXXX and Experian were the result of Identify Fraud & the signature on the lease agreement was not mines. I sent them a copy of my Driver 's License and Social Security card with my signature. I ask them to send me a copy of the lease agreement which did and signature is not mine, I then reach out to XXXX and Experian about the situation and they both have fail to remove the account. Please advise me of how to proceed.