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

I am writing to you again to dispute the accuracy of certain accounts on my credit report. In my previous communication, I raised concerns regarding the inclusion of accounts associated with XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX. I am disappointed to note that these inaccuracies persist on my credit report, and I am compelled to initiate a second round of dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Details of the disputed accounts are as follows : XXXX XXXX Last reported : XX/XX/2023 Amount : {$56.00} Worst payment status : XXXX days late Last payment : XX/XX/2023 Payment status : No Info XXXX XXXXXXXX XXXX XXXXXXXX Last reported : XX/XX/2023 Reported balance : {$2100.00} Highest balance : {$2500.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current XXXX XXXX Last reported XXXX XX/XX/2023 Reported balance : {$110.00} Highest balance : {$240.00} Worst payment status : 60-89 days late Last payment : XX/XX/2023 Payment status : Current I dispute the accuracy of these accounts as they are not associated with my financial transactions. The continued reporting of these inaccuracies not only damages my credit standing but also violates my rights under the FCRA. 

As outlined in the FCRA, I request that a thorough reinvestigation be conducted into these disputed accounts, including verification of their legitimacy and accuracy. The FCRA mandates the prompt removal of inaccuracies from my credit report. 

I have attached supporting documentation, including evidence of my non-involvement with these accounts, for your reference during the investigation process. 

Per the FCRA guidelines, I expect written notification of the results of your investigation within the 30-day timeframe. Failure to rectify these inaccuracies within the stipulated time may compel me to pursue legal action to ensure the correction of my credit report. 

I appreciate your immediate attention to this matter. It is my expectation that a fair and comprehensive investigation will be conducted in adherence to the FCRA regulations. 

Thank you for your prompt resolution.
Product: Money transfer, virtual currency, or money service

After changing email address in my XXXX account, out of nowhere they decided to permanently limit my account. This has to be a mistake. If this is not a mistake, then I would have to talk to my lawyer to remedy this situation. Please take a look into my account and sort this out as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crediting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CRDIT INQUIRES A RE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORTI MMEDIATELY.
Product: Debt collection

Dear M'm/Sir : I am a XXXX year old citizen on Social Security. 
I received a letter in the mail yesterday, dated XX/XX/2020 demanding that I owe {$1500.00} to Alliance One Receivable Management Inc XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Acct. XXXX. I don't know they are. On closer inspection it says their client is XXXX XXXX. 
This shocked me to the core. 
I didn't have any credit card from that bank. 
Now ... it makes sense ... I have been receiving several phone calls made to me for several weeks from XXXX -- XXXX ( I never pick up the phone unless I recognize who's calling ) I am on pins and needles since last night with worry and anxiety. 
Either this is case of ID Theft ( as it happened to me a few years ago ) or it's some serious case of Fraud to terrorize a senior citizen. 
I am speechless. 
I hope U.S.Government punishes these domestic terrorists so they can't terrorize others like me. 
I live in a public housing and am struggling to keep the wolf from the door. 
I need and seek your help, please. 
I don't know what else to do. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report three fraudulent credit inquiries on my report dated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were conducted without permissible purpose, and my attempts to seek clarification from the companies have been unsuccessful. I have also filed an identity theft report regarding this matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating these unauthorized inquiries to protect my consumer rights and creditworthiness. Thank you.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

Submitted a dispute of fraudulent inquiries on my credit file with Equifax. Checked the status online it indicates that investigation is complete however complete date indicates XXXX and delivery has N/A.
Product: Debt collection

In XXXX of XXXX I started to be harassed by a company called Amsher. Someone would call me, not tell me who they were or what they wanted, yet would continue to ask me to verify my name and end of my social security number. Having been scammed numerous times and attempted identity theft, I obviously refused to answer. They called repeatedly, one time I remember the date was XX/XX/XXXX, and every time they called, the person was EXTREMELY contentious and became defensive whenever I asked why they were calling me, however, NEVER disclosed why they were calling. 

I ended up googling the company and called them back with my husband, asking if they were a debt collections agency, and not one person would give me an answer, i checked my credit score, nothing had changed so clearly I thought FOR SURE they are scammers I blocked the number and somehow they managed to continue the calls. 

Sometime in XXXX or XXXX of XXXX, I get a notification that my credit score has dropped due to a debt that XXXX sent to a collection agency. 

I havent had an account with XXXX  for over a year so I was pretty confused what was going on. 

I ended up calling XXXX  and speaking with a supervisor, they told me I had a debt of {$120.00} due to a box  or something that I never returned. 

WELL, I had ZERO idea you were supposed to return those things and would have GLADLY done so or at least paid the bill before ever having this escalate any further HOWEVER, I NEVER received not 1 email, phone call, or physical mail notifying me of any outstanding charges. NOT ONE. 

So the XXXX  supervisor gives me the email they were supposedly sending notifications to ... XXXX it was not even remotely close to my email address. Im appalled that no one at XXXX caught this error or attempted resolving this mistake. I dont know who gave them that email but it was not REMOTELY close to my actual email address. 

REGARDLESS, of sending a notification to an incorrect email address, I never received a notification via mail or phone call and am appalled at the deplorable way in which this entire situation has been handled. It seems extremely unjust and unlawful to be quite honest. 

I ended up calling the number XXXX  provided me with to the debt collector Amsher and after being harassed again via contentious employees, agreed to pay the debt so long as I received a notification via email that the debt would be removed from my credit score. 

I cant imagine how someone can be strong armed into paying a debt they were never notified about, however, I am MORE in awe that this debt collections agency that harassed me for months after I asked them to stop, could take points off my credit score. 


These people have caused me extreme mental duress for months and Im reporting them for harassment and unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, Convergent XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

Ive been trying to contact this company regarding a debt and can not talk to anyone regarding this account I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 or other personal consumer reports

The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2. 
I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately. 
To support my claim, I have attached the following documents : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number  : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) I expect your investigation to comply with the 30-day timeline stipulated under the FCRA. Please provide me with the results of your investigation in writing, and if this item is not corrected or removed, I request a detailed explanation of why it remains on my credit report.
Product: Debt collection

Discovery Bank claims that I owe {$830.00}. I've asked Discovery to send me the original contract for this account. They can not provide any documentation with signatures. They are claiming this debt is mine through a history of transactions. They have not properly investigated this account. 

In addition, they written this debt off and claim that I owe a debt they've falsly attached to my name. Please provide my signature to this debt or DELETE IT! 

This is abuse of power and this federal violations has hurt my ability to obtain credit.
Product: Debt collection

I had a discover card with payment protection which showed a charge for on all statements. they refused to use this insurance and sued me in court which I was unable to attend due to a death. My mother. They got the judgement and attached my wages as well as a lein on my home. this debt has been paid in full per my payroll dept and they have yet to remove the lein on my home thus preventing my refinance in order to save my home. I have communicated with there attorney by fax and requested this be removed and copy the release to the VA to show the lein has been removed. As of this date XXXX/XXXX/2015 there has been no response to remove this lein. I would like the justice department to look into this practice of denial with records of this insurance on the statements from discover bank as well as securing this relieve of lein at once.If there is no response I would like the justice department to support this senior citizen as well as all who have been doused by this charge that is denied when requested.
Product: Debt collection

I sent the Rent Recovery Solutions notification I was the victim of identity theft, have frozen my social security number and put a fraud alert into place. They mailed a notice to me of what i was required to send them to prove identity theft. I sent all required documentation and more. When I called to inquire about it. I spoke with a gentleman who would only go by the name XXXX XXXX at ( XXXX ) XXXX. He was extremely rude, told me the debt was mine and proceeded to hang up on me. I've called and left messages since and have heard nothing back. I spoke with XXXX XXXX on XX/XX/year>, at XXXX. We have now surpassed 30 days and I have received nothing in regards to the state of my debts they say I owe them.
Product: Vehicle loan or lease

The vehicle constantly had problems. I spent well over {$12000.00} fixing the vehicle thats the reason why I fell behind on payments. The last time I fixed it it cost me XXXX then it started smoking and I was just done with it. I told them to come get it.
Product: Credit card or prepaid card

Capital One touts extra credits for shopping at certain retailers via links on their website. I purchased a new XXXX from XXXX using one of these links in late XX/XX/2020, expecting to get 10 % back. When I completed the purchase, I was offered an additional 1 % credit by Capital One, which has never happened on any other purchase. As any reasonable person would, I accepted. I've since been waiting for the 10 % credit that was offered. I went to the Capital One website today to read the fine print and apparently my acceptance of the 1 % credit made me ineligible for the 10 % credit. I believe this is extremely misleading on their part. As noted, the only time I've been offered the 1 % credit was when I tried to use their link to get a 10 % credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ), has violated my rights. They have been sued by attorney general. They are closing all stores. On the company website they will request all three credit bureaus to remove negative payments and put on accounts paid in full. Since XXXX XXXX is scamming people I would like this removed before they request it to be removed this is affecting my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit a complaint regarding Transunion. It has been well over 30 days and Transunion never investigated and did not send me results of the accounts and inaccurate information I disputed on my Transunion credit report. I mailed a written dispute to Transunion on or about  XXXX / XXXX / 2016 . I disputed several inaccurate, erroneous and unknown accounts reporting on my Transunion credit report/file and requested an investigation by Transunion. The following information and accounts were disputed and investigation requested ;  XXXX  #  XXXX ,   XXXX    XXXX   XXXX  #  XXXX ,   XXXX   XXXX   XXXX    XXXX , and   XXXX    XXXX  #  XXXX .       It is well settled, per the Fair Debt Collection Practices Act that credit reporting agencies/bureaus have  XXXX  to review and respond to consumer disputes, if this provision is not met in a timely manner, the credit reporting agency must delete the accounts and/information that was disputed by the consumer. Transunion has continued to report the aforementioned disputed accounts and/or information without responding to my disputes and request for investigation regarding the inaccurate and erroneous accounts and/or information. I have made Transunion aware that some of the accounts their company is reporting on my credit report have inaccurate and erroneous amounts owed and/or financed, open and close dates are incorrect, dates of delinquency are incorrect, a number of accounts are obsolete and time-barred and some of the accounts I am no longer liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, XXXX, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX