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

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are aably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outtted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Oce. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, Im respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Too whom it may concern Im submitting this complaint on my own theres no third party involved. XXXX  XXXX XXXX XXXX Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with XXXX XXXX XXXX XXXX. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through XXXX XXXXXXXX XXXX XXXX. In XXXX I called XXXX XXXXXXXX XXXX since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on XXXX  XXXX XXXX XXXX part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Product: Credit reporting

Experian has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted, wrong personal information that I have disputed and Experian has send notices that they will not delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed with a factual error from my credit an account with XXXX  / XXXX XXXX it came back verified, how can this be if the creditor in dispute sent me a letter of which I will attach with this claim saying that they no longer have this account. So if the creditor in dispute does not have the account why it came back verified, I demand that TRANSUNION to provide me with the method of verification according to section 611 of the FCRA or delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CMRE was mailed a certified letter requesting that account # 's XXXX in the amounts of {$570.00}, {$100.00}, and {$810.00} be validated under the FDCPA, that I, XXXX XXXX, had a contractual obligation to this debt that being reported to XXXX. 

Several pieces of documentation were requested in the certified letter to validify the debt in question including : a detailed bill ( not codes ), a signed HIPAA waiver, or privacy notice, original contract, along with other information that may have been helpful for me, in validating this debt as mine ( in accordance with the FCRA, section 611A through D, section 609 ( a ) ( 1 ) ( A ). 

To date, CMRE has not responded to my request for validation with any of the aforementioned documents. CMRE has failed to respond to my request all together. CMRE is in violation of the FCRA sections 609 and 611, and are violating my rights as a consumer.

I am requesting that these debts be deleted from my credit report as CMRE has failed to prove, or validate that this debt belongs to me.
Product: Consumer Loan

I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.
Product: Debt collection

The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. 

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get in contact with all three credit bureaus since XX/XX/21 and still haven't received response from any one them
Product: Debt collection

On XX/XX/2021 I sent a letter ( here attached marked as Exhibit A ) requesting physical verification of the Wells Fargo Auto account on my credit file. According to FCRA Section 609 ( a ) ( 1 ) ( A ) they are required by law to verify through physical verification of the original signed certified consumer contract. I demanded to see the verifiable validated proof of the original consumer contract with a wet-ink signature on it. 
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On XX/XX/2021 I received a copy of a contract from Wells Fargo. ( Exhibit B ) Copies of copies are not validation and by law are not considered proof! 
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Under the FCRA unverified invalid accounts must be removed! Section 611 ( 5 ) ( A ) ( 1 ) of any information disputed by a consumer, an item of the information can not be verified the consumer reporting agency shall promptly delete that item of information from the consumer 's file. 
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Wells Fargo failed to provide me with a verifiable validated proof within 30 calendar days. The law is very clear to the Civil liability and the remedy available to me for the negligent noncompliance ( Section 617 ) for the failure to comply with this Federal Law. 
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In addition to this, pursuant to 15 U.S. 1692g and 15 U.S. 1691 ( e ) ( f ) ( Exhibit C ) I am the original creditor so therefore Wells Fargo can not validate the credit that I originally extended to them. So this copy of a contract is not validation. Only the original, not the holder can validate this debt. They failed to prove that this debt belongs to me. So this constitutes as a no response within the 30 days requested. 
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The unverified Wells Fargo Auto account should be removed from my credit files with XXXX, XXXX, XXXX  and XXXX immediately.
Product: Debt collection

myself and my employer were serve to attempt to garnish my wages. i called to start a payment plan and was told i could not. instead of giving me a chance to pay off this debt they want to attack my livelihood with no regard to how it will affect me. i have paid off a previous debt with this same debt collector and have made payments on another debt i accrued during my time of unemployment. this company knows my history and i have been making attempts to pay off my debt, why the harrasment?
Product: Credit reporting

I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this.
Product: Credit card or prepaid card

I booked a room and when I entered the room it was disgusting! Rips in the couch, brown sheets that were once white, electric wires hanging from the wall, cabinets zip tied shut. When we tried to get out money back for the room the property manger went crazy and was verbally abusive. They refused a refund and charged our card again the next fraudulently. Discover would not dispute the charges and failed to protect us as promised.
Product: Checking or savings account

I identity has been compromised and my business account has been stolen. I was trying to access my account and recover my money My name is XXXX XXXX XXXX My social security number is XXXX Date of birth XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX knows that my dispute with XXXX XXXX for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX pushes the date back so that I would contact their debt collector, True Accord, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXXyear! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!
Product: Debt collection

I received a dunning letter datedXX/XX/XXXX from Linebarger Goggan et al. claiming that I owed XXXX XXXX {$170.00}, presumably for an uncollected toll with unknown surcharges ( their online payment number XXXX ). This is the first I had heard of this alleged uncollected toll. I have not owned a vehicle that may have been driven in Colorado sinceXX/XX/XXXX 

I wrote Linebarger XXXX XX/XX/XXXX, disputing the debt, stating I have not owned any vehicle driven in Colorado since XX/XX/XXXX and stating that an alleged uncollected toll from more than 4 years ago has no credibility. 

Linebarger never acknowleged my letter. Rather, they sent a " SECOND NOTICE '' wrongly claiming that I had not responded to theirXX/XX/XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : 11  XXXX XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

I set up automatic payments and the credit card company did not deduct the automatic payment. That resulted in a late fee. There system failed and its my fault. Thats not right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( XXXX XXXX, Equifax, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Product: Credit reporting or other personal consumer reports

According to the XXXX  an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Checking or savings account

To Whom it May Concern, I have a wealth of correspondence documenting the escalation of the issue and the lack of support I received, despite the evidence to back my claim ; while I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, my " Found '' account, along with other accounts ( both banking and email ) were breeched and manipulated by someone other than myself ). My phone had gone missing the day before I was detained and I was unable to recover it until the second week of XXXX. During this time, there were a number of charges, correspondence between the banking institution and the individual who was using my account fraudulently. I brought this to the attention of Found and they have been dragging me through the process ever since. They have been intentionally difficult, deliberately attempting to " wait-out '' their 10 business-day-to-resolve-the-dispute window by alleging to have gotten confused because of a change of email address ( which was necessitated by the fact that someone was in my email and kept regaining access to the associated accounts. They required a Proof of Incarceration, which I was ultimately able to provide after several attempts to retrieve it because of the fact that XXXX County 's entire online Government mainframe had been hacked in XXXX and is STILL not back online, causing a complete incapacitation of access to the general public and a laughable response time to any requests for official documentation or even information. Because of their negligence, unwillingness to protect my interests as a client, and the blatant disrespect they have shown me, I am now facing eviction, vehicular repossession and utter financial ruin. I am outraged, I am disgusted and I don't know how to move forward. I can provide the transcript of the aforementioned correspondence upon request. I trust that I have found the proper channel to service my request for justice in this matter. Thank you and have a blessed day. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Checking or savings account

I try to log into my chase account to fund my account and was alerted I was locked out due to suspicion activities and to call to get it unlocked I was informed its closing for no reason and it's no one who I cant talk to saying no such thing as a executive and no one will open it back up this is ridiculous.