23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on This agency is in violation of 15 USC 91692g. They were to notify me of this in writing 5 days prior, I was not notitied. As the original creditor. only I can validate this debt. I do not validate this debt. Therefore. the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Reporting Act [ 15 USC {$1600.00} ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC {$1600.00} ( g ), " credit card is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes vour social security card, driver 's license ID, and license plate credit cards that are were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards Consumer credit agent XXXX XXXX XXXX XXXX
Product: Debt collection

i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond
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.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I dont recognize.
Product: Debt collection

A collections company suddenly showed up on my credit XX/XX/XXXX saying I owe XXXX cellular {$520.00} from an account that I closed out XX/XX/XXXX. I contacted Amsher Collections to inquire and request information but they wouldnt give me any. Then my wife and I on several separate occasions tried to get information from XXXX regarding the account and they willingly admit there was a {$0.00} balance and they dont know where this charge came from. In the mean time, my near perfect credit is being damaged beyond repair and I dont know if I have a choice but to pay this. I have considered getting a lawyer to track this down out of principle but ideally would not like it to come to that. All I am looking for is information to prove money is owed and it is not a mistake or scam and XXXX reps have constantly claimed they are helpless to find a solution
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 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 : XXXX XXXX XXXX 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. Thanks.
Product: Mortgage

Loan servicer BSI Financial Services in connection with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  illegally foreclosed on our home. They created fraudulent documents and " harvested '' our home. This took place XX/XX/2012
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Balance Owed : {$2.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX and XXXX XXXX XXXX
Product: Credit reporting

I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

improper use of credit. inquiries were pulled without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the Equifax data breach. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX. - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I received a letter from Citizen 's Bank on XX/XX/2022 collecting a debt. My account was just transferred over from XXXX. The letter said that my minimum payment was {$52000.00} and the amount past due was {$36000.00}. When I called Citizens, they told me that they sent out a letter with a misplaced decimal point, and it should have been XXXX and XXXX. While I knew this was inaccurate, I had to check all of my credit reports and make sure my identity was not stolen, and check all of my other information. This seems like more than a simple mistake.
Product: Credit card

I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. 
However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.
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 third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, and XXXX XXXX BANK XXXX Date Opened XX/XX/XXXX XXXX : {$0.00}. Also these inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

FINANCIAL DATA SYSTE- XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX I have no knowledge of these account, nor do I know what these are Original creditor : N/A XXXX Original creditor : N/A XXXX Original creditor : N/A XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Entry on Credit Report Dear XXXX XXXX XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit report. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit file. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from my credit report immediately. 

I am requesting that XXXX investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit report. I also request that a corrected copy of my credit report be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Bank account or service

Bank of America closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!
Product: Debt collection

Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. 

Status updated XX/XX/year> XXXX XXXX original creditor and collection Vance and Huffman. This information is reflected in the three credit reporting agencies. They are reporting monthly but they can not explain and provide proof that the debt belong to me. It is hurting my credit and I am in the process of purchasing a home,
Product: Mortgage

I have XXXX. I have been out of work for 5 days and have not been able to work my second job either. I called Flagstar Mortgage on XX/XX/XXXX and was advised that they could request a forbearance for me but there were no guarantees. I have been trained in disaster relief for forbearance from the company I work for and do not understand why I am being told I may not qualify for a disaster forbearance. This is not the first time I have had issues with this company. In XXXX of XXXX I cashed a check from them that bounced and ended up having to pay {$14.00} in bank fees ( that to this date still have never been reimbursed. ) the customer service at this company is deplorable. I have even dealt with escalation agents who have been down right rude to me. I still do not have confirmation on my forbearance, and have been told they are waiting on approval from my investor. At the company I work for no one has ever had to wait for approval from an investor to put someone on a forbearance. This company should truly be investigated for their practices. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company. 

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform. 

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.
Product: Debt collection

Commonwealth Financial has used illegal and immoral practices to attempt to collect questionable debt from me. Commonwealth Financial has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical original paperwork or signature. No wet signature was given to Commonwealth Financial. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Product: Debt collection

Wakefield & Associates To whom it may concern : I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send the certified mail with a receipt with my name and signature on it, in the state I live in, stating that I received it. 

Please give me the method of validation, regarding the right to collect on this debt, meaning who you talked to, their email address, and their phone number, within the next 15 days.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX