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

I am writing to file a complaint regarding a collection from Transworld Systems that I do not recognize and have not since I first discovered it. I am a victim of identity theft and am concerned that this collection may be the result of fraudulent activity. 

Specifically, I request verification of the contract that I purportedly have with Transworld Systems. If such a contract does not exist, I insist that this collection be removed immediately, as it is a violation of my consumer rights to privacy. 

This issue has caused undue stress and confusion, and I am seeking assistance to resolve it promptly. According to 18 U.S. Code 1028A ( Aggravated Identity Theft ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Additionally, Pennsylvania state laws, including the proposed Pennsylvania Consumer Data Privacy Act ( PCDPA ), protect my rights to privacy and fair reporting. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion 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 receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : XXXX XXXXXXXX XXXX  Account Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX Date : XX/XX/XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.
Product: Debt collection

I previously disputed a debt with AR Resources to no avail. I saw they are continuing to collect the alleged debt. I continue to dispute the validity of the alleged debt in its entirety. Further I have requested verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor, which I have not received. they are illegally attempting to collect an alleged debt, which has been disputed. As per the law, I DEMAND deletion of any credit reporting to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance {$370000.00} ; XXXX XXXX XXXX Balance {$370000.00} XXXX XXXX XXXX Balance {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

I was charged for a piece of equipment from my former cell phone company that I returned via XXXX. I received a bill for the piece of equipment on XX/XX/19 and contacted the company advising that I would be returning the equipment that weekend and to please note my account. I was told that my account would be noted and that my account would be credited to reflect a XXXX balance when the equipment was received. The equipment was received by XXXX on XX/XX/19 at XXXX XXXX I received a letter from a debt collection agency dated XX/XX/19. This debt was not even 30 days old and was turned over to collections and now the original cell phone company AND the collection company fail and refuse to reflect a XXXX  balance on my account although they HAVE received the equipment and confirm that they have received the equipment. This should NEVER have been turned over to collection as the alleged debt was NOT in excess of 30 days in arrears AND I had already contacted XXXX and advised that the equipment would be returned. In fact, XXXX is the one who provided the XXXX shipping label.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
Product: Student loan

My Federal Loans were transferred by the Department of Education to Navient Loan Services to manage my loans. Around 7 years ago, I was instructed by Navient Loan Services about that my student loans would qualify for XXXX  Forgiveness or Public Service Loan Forgiveness programs. In 2017, I submitted the XXXX Forgiveness application. It was turned down for some technicality, I still do not understand. Subsequently, I was recomended to apply for Public Employee Services Forgiveness program. Today, I called them and was told that my 2. ( {$200.00} total ) out the 3 loans do qualify, but not the {$24.00} XXXX loan. I have being making payments under the impression that I would qualify for Loan Forgiveness for working XXXX XXXX   areas and providing XXXX XXXX with the government. I was wrlong! I was cheated.I have made payments for the last 7 years and beyond and never compensated for my services as promised.
Product: Vehicle loan or lease

On XX/XX/XXXX, I signed paperwork to purchase a used car from XXXX XXXX in XXXX Georgia. The car had to go through a certified inspection before the dealer could release the car to me. I picked the car up from the dealership on XX/XX/XXXX. I drove the car to the freeway and then returned the car to the dealership. The car was leaking water and started shaking when I put on brakes. The car was returned to the dealer in less than a hour from driving it off the lot. The dealer did not want to take the car back and told me that I would have a car repossession on my credit. I handed the manager the keys and left the car at the dealership. 

My original plan was to finance the car with a loan from Bank of America. I called XXXX XXXXXXXX as I was driving the car back to the dealer, the person could not verify my information and advised me to call back. I called Bank of America back after leaving the car at the dealership. The person I spoke with told me they would put a stop payment on the car and advised me to apply for another car loan. 

The next day, Bank of America called me and told me I may be on the hook for the loan because of the contract I signed. Bank of America advised me to work something out with the dealership. The woman stated that if Bank of America gives the dealership the money, I would be responsible for paying the money back. I do not want the auto loan from Bank of America for purchase of this car.
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that JPMCB CARD ( CHASE ) and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with CHASE BANK. However, JPMCB CARD ( CHASE ) is reporting a fraudulent account to the credit reporting agencies with a balance of {$20000.00}. Immediately after I noticed this account, I contacted CHASE BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that CHASE BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX  and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  Bankruptcy Reference # : XXXX XXXXL XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Debt collection

Collection agency tried to collect dept, I informed them in writing that I dont own the dept and have no knowledge of it. Instead of providing proof of debt, collection agency placed a negative report in to the XXXX. When I called XXXX  to dispute it, exactly the same item was placed second time, which XXXX informed me that collection agency did it. Collection agency failed to inform me about its intentions to place negative record in my report which is agains low.
Product: Money transfer, virtual currency, or money service

Venmo froze my account and the contents of my wallet. I have given them the information they requested multiple times. They claim they suspended my account to protect me. My case number is XXXX XXXXXXXX All I want is for them to allow me to transfer out my wallet to my account at XXXX XXXX XXXXXXXX and then they can close my account. 

Their support team is overseas and they are not responsive. I am so unhappy please help their email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX said I had a XXXX credit score. I have a credit monitor account and it had my numbers much higher plus transunion say I owe on an insurance account which I changed. Please advise because this is causing me much trouble.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] for multiple violations of the Code of Federal Regulations ( CFR ) and the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of charged-off accounts and late payments on my credit report. I am requesting enforcement of the CFPB 's authority under 15 U.S. Code 6805 to rectify these violations.

Details of the Complaint : 1. Reporting of Charged-Off Accounts : Experian, XXXX, XXXX has continued to report charged-off accounts on my credit report. According to the IRS, charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice is in direct violation of 12 CFR 1016.1, which requires financial institutions to provide consumers with the option to opt out of certain information sharing practices.

2. Reporting of Late Payments : I have discovered that Experian, XXXX, XXXX has reported late payments on my credit report. This is a clear violation of 12 CFR 1016.4, which mandates that financial institutions must provide consumers with a clear and conspicuous notice regarding their right to opt out of certain information sharing practices. The FCRA also requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
XXXX. Failure to Comply with Opt-Out Requests : Despite my efforts to dispute and request the removal of these inaccuracies with [ Credit Reporting Agency Name ], they have failed to comply with my requests, as mandated by 12 CFR 1016.7.

I kindly request that the CFPB investigates these violations and exercises its enforcement authority under 15 U.S. Code 6805 to compel Experian, XXXX, XXXX to delete these negative adverse accounts from my credit profile. These violations have had a detrimental impact on my creditworthiness and financial well-being. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. I have made every effort to resolve these issues with Experian, XXXX, XXXX directly, but my attempts have been unsuccessful. 
I appreciate your prompt attention to this matter and request your assistance in ensuring that [ Credit Reporting Agency Name ] rectifies these violations and upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. XXXX XXXX - Hard Inquiry on my XXXX report- XX/XX/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

An erroneous XXXX day Late payment was reported to the credit bureau for XX/XX/2022. I spoke with several representatives at Freedom Mortgage including a supervisor and was informed that the late charge would be removed and to date it is still reporting accurate. I disputed the late charge to all XXXX credit bureaus and the the disputes came back verified. I am not sure if the credit bureaus did a thorough investigation because I received a notification from all XXXX credit bureaus before XXXX days that the XXXX  day late reporting was verified. Upon receipt from the credit bureaus I called the mortgage company to complain and they assured me that they submitted a request to update my credit reports to never late. I am submitting this complaint as my last resort to correct the late charge on all XXXX of my credit reports ( XXXX, XXXX, and XXXX ).
Product: Credit reporting or other personal consumer reports

My last name has been incorrect on my credit report and Equifax refuses to correct it. Documents has been mailed to this company and they ignore every request. My last name on my credit report should be XXXX. XXXX needs to be removed immediately.
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX inquiry this i not mine please see attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ; XXXX XXXX ; XXXX   XXXX XXXX ; XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit 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
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. My ssn was stolen and used for this account. Please remove it from my credit report as it is penalizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/24 my account was closed because I detected a fraudulent transaction of large amount at Wells Fargo Bank ; that day I went over all my transactions from XXXX and saw that a check of {$3800.00} ( smaller than the previous fraudulent transaction ) without my signature was cashed on XX/XX/1924 and right away I filed a complaints ; The bank replied that they could not do anything ; then I stepped by XXXX XXXX XXXX were the XXXX escalated the complaints. They emailed me on XX/XX/24 asking not to do anything and will inform me of their finding no later than XXXX of XXXX. I waited to XX/XX/XXXX ( this pass Monday ) to call and XXXX told me they can not do anything, that a supervisor will call me. Yesterday XX/XX/XXXX, XXXX called me and said that they can not do anything, and said that I have to check with XXXX were the check was deposited. I told her : XXXX has nothing to see with that because they are the guardian of my money, they should not clear this money as my signature is not on it and on top of that the serial does not even exist. Anyway, I scheduled an appointment with XXXX and this morning ( XX/XX/24 ) I spoke with Banker name XXXX and as you can XXXX, he said that XXXX has nothing to do with that cause Wells Fargo had cleared the check. I need my money because I worked hard for it. Furthermore, as I told all of them, Wells Fargo is not a credible financing institution to secure our money.