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

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : 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 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 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: Debt collection

I am writing to formally dispute an incorrect debt amount reported by Transworld Systems Inc. ( TSI ) that is unfairly associated with my account. Despite my prior communication disputing this debt, TSI has sent me a bill that does not pertain to my account or reflect my living situation during the time in question. 

To support my claim, I have included the following documents as evidence : New Lease Agreement Demonstrating my current residence and tenancy timeline. 
Old Lease Agreement Confirming my prior address and tenancy timeline. 
XXXX XXXX XXXX Request Establishing the date I began utility services at my actual address. 
These documents clearly prove that I did not reside at the address tied to the disputed debt during the timeframe claimed. This misattribution has caused undue stress and is a misrepresentation of my financial responsibility. 

I request that this inaccurate information be removed from my account immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to have disputed and incorrect information investigated and corrected. 

Please confirm receipt of this letter and update me on the status of this dispute within the time frame mandated by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX And Experian both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or Experian this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the XXXX account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). 

On XX/XX/XXXX, Experian reported via digitally on my portal they've verified the XXXX account belongs to me without providing a verified signature acknowledging this to be accurate. Reporting # : XXXX
Product: Debt collection

Portfolio Recovery Associates has repeatedly contacted me after my attorney has previously contacted all companies and Portfolio Recovery Associates with whom I had outstanding debts when I became XXXX in XX/XX/2013.
Product: Credit reporting or other personal consumer reports

Hi- to whom it may concern I just checked my credit profile for the first time and noticed there are unauthorized inquiries that i believe someone stole my information.. Attached i have filled a identity theft report my records and your use. XXXX XXXX XXXX IS ALSO ATTACHED. 

inquiries - 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 XXXXXX/XX/XXXX
Product: Debt collection

I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.
Product: Credit card

XX/XX/year> - Tried disputing these hard inquiries through XXXX XXXX / TransUnion and disputes were denied.
Product: Credit reporting or other personal consumer reports

my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine INQUIRIES - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX - NEVER WAS MINE XXXX  - XXXX - WAS NEVER MINE
Product: Credit reporting

I reported with XXXX that someone used my social and name to try to get a loan in my name. They would n't help me. They said since the loan was not approved that I should n't worry. My credit score is low to begin with and now it dropped even lower. This company is based in XXXX and I live in XXXX. I have never even traveled to XXXX. They only took my name down, did n't take my phone number, or my social. I want to know who is out there using my social and my name. They could do a lot with that information and I 'm very worried due to the fact that I 'm trying to build my credit to get mortgage a house soon. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachements i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

This account was deleted and added back this account need to be blocked I am writing TransUnion to delete certain credit accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX ( XXXX ) XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX information is incorrect ( XXXX ) The unauthorized credit This account were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this be removed and blocked them from my credit report
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : Digital Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXXhas violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

RMP agreed over the phone to do a pay to delete. They stated once I paid a medical debt it would take up to 30 days to be removed from my credit. However, it is listed as a charge off, and was never removed.
Product: Checking or savings account

I opened my XXXXXXXX XXXX XXXX XXXX  with {$2000.00}. Shortly after, I found out I was XXXX  and was unable to continue saving the way I had originally planned when opening the account so no further deposits were made. I was then lXXXX XXXX XXXX XXXXXX/XX/XXXX and was unable to get a new XXXX XXXX XXXX XXXX XXXX XXXX I was relying heavily on my savings at the time and had my Marcus account as a last resort cushion. On XXXX XXXX XXXX I received an email stating my account was closed and I would receive a letter in the mail with the reasoning. I have spoken with multiple people, 3 of them told me funds had been sent back to the market so they would reopen my account in order to get the funds back and then could disburse to my bank account and would close the account again. They said it could take up to 7 business days and to call back after the 7 days to confirm my account details. The last person I spoke with said everyone else was wrong and I would not receive my money back and I would get a letter because he is not allowed to talk to me on the phone about it. I still have not received any written notice as to why it was closed.
Product: Vehicle loan or lease

I got approved for a auto from credit acceptance and set up my auto payment to be paid auto pay. The payments for a year have been auto pay. Well I found out via my credit report that they are reporting me late and set my auto against my due date so that I am late every month although I pay my car loan every month auto pay and have for a year since I got car. I asked for auto pay to be set up bi weekly as well to cut interest. For a year they only applied XXXX  to my principal. And affecting my credit by reporting me late.
Product: Credit reporting

I have been denied several times due to a bankruptcy issue that occurred back in XXXX XXXX. This bankruptcy should have been removed off my credit report in XXXX. Trans Union is reporting this information incorrectly. And because of this my credit scores are low too. I was under the understanding that bankruptcy 's should be off the report in 7 years and removed after 10 years. But obviously this is not the case. I should not be suffering any longer on this part of my life that happened over 11 years ago. Please rectify this and get my credit back to where it should be. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX : XXXX XXXX XXXX : XXXX XXXX has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : 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

someone has stolen my identity and its destroying my life I'm depressed because someone has stolen my identity
Product: Credit card or prepaid card

I made 2 cruise purchases in XXXX using my Bank of America XXXX XXXX credit card. 

Purchases : XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$890.00} Once the pandemic started and cruises were not allowed, I requested a refund from the cruise line, they resisted but finally issues some credits for what I had paid which occurred in small amounts over a period of several months, and are as follows.. 

Credits to my BOA card from XXXX XXXX : XX/XX/XXXX {$300.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$100.00} I then disputed the remaining balance with Bank of America ( {$1600.00} ) since we were never able to take the cruise. I found out later that Bank of America mistakenly only disputed the remaining balance from the " initial '' charge of {$2000.00} on XX/XX/XXXX and as a result I only got a credit from BOA of {$800.00} ( {$2000.00} minus the merchant credits above ) on XX/XX/XXXX. That left a remaining balance on my card of {$890.00} XXXX the charge from XX/XX/XXXX ) which I then promptly disputed - XXXX # XXXX per BOA. I received a credit from BOA for the {$890.00} amount on XX/XX/XXXX leaving me with a final balance of {$0.00} dollars and thought the matter was resolved. 

On XX/XX/XXXX however BOA re-charged me the {$890.00} amount stating that the merchant claimed that had already credited my card back for that amount ( which they had not as you can see from the credits above ). On XX/XX/XXXX, I contacted the BOA Representments Dept. in XXXX, TN and spoke with XXXX. She was very helpful and reviewed all of the debits and credits with me and confirmed/stated that the {$890.00} amount should NOT have been re-charged back to me. She apologized for the issue and said she would resubmit the dispute and that I would not be responsible for min. payments. Since that time, I've spoken with BOA reps several times and have received conflicting information regarding the dispute process. For a few months after speaking with XXXX, the amount still showed on my account but it did not indicate I was responsible for making a min. payment, however, starting in XXXX XXXX that changed and the system now shows I am responsible for min. payments while they continue to investigate. I've spoken with the BOA Arizona office twice since that time and have been told that I am indeed responsible for making the min. payments on this amount and that there is no ETA on when it could be resolved but that most are handled in approximately 6 months. While I realize the pandemic in XXXX has greatly exacerbated issues like mine, as a customer, I am beyond frustrated that BOA is taking so long to resolve my claim and even more so that I'm now having to make minimum payments on an amount that I should not have been re-charged. Any assistance you can give me is GREATLY appreciated. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX loans for home furnaces combined into XXXX account XXXX with Wells-Fargo Bank . XXXX is a non interest loan that started in XX/XX/XXXX with about XXXX automatic payment left. The second, I had to pay off in XXXX months from XX/XX/XXXX or by XX/XX/XXXX to avoid interest payments. 

I have been paying them both using automatic withdrawal payments from my account ending in XXXX. I attempted to make the last payment for them XX/XX/XXXX with {$2900.00}. 

However, I mistakenly gave the lady over the telephone the wrong account number for the payoff, XXXX. She did not ask me if I wanted to use the same account, XXXX, or mention that I was giving her a different account number. They also did not email me any confirmation so I can visually see what I had done. 

It was not until XX/XX/XXXX, that I noticed there were attempts to take {$2900.00} out of my unintended account, XXXX, XXXX. Thinking that I had given them the correct account on XX/XX/XXXX, it took me awhile to figure why that unintended bank account XXXX had XXXX {$2900.00} entries as Wells Fargo attempted to retrieve the money instead of calling, texting, or emailing me that there was a problem. There were also XXXX {$28.00} charges that later found out were credit union insufficient fund charges.
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 XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX 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. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is regarding maintenance fees for our timeshare. and XXXX XXXX out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to Continental Central credit who is charging us more than XXXX % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but XXXX XXXX wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information on my credit report, which was previously brought to your attention in my certified letter dated XX/XX/2023 ( Tracking # XXXX ). According to 15 U.S.C. 1681 ( c ) ( 2 ), a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. Regrettably, I have not received any notification regarding the block of information as mandated by 15 U.S.C. 1681c-2.

I would like to bring to your attention the provisions outlined in 15 U.S. Code 1681n - Civil liability for willful noncompliance, which specifies the consequences for failing to comply with the Fair Credit Reporting Act ( FCRA ). It states, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Furthermore, 15 U.S. Code 1681i - Procedure in case of disputed accuracy outlines the procedures to be followed in cases of disputed information. Subsection ( 5 ) specifically addresses the treatment of inaccurate or unverifiable information. If, after reinvestigation, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency is required to promptly delete or modify that item of information and notify the furnisher of the information accordingly. 

I demand that you delete all the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The Following Accounts are as follows : XXXX XXXX XXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX -- -ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX -- -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX -- -ACCOUNT # XXXX
Product: Debt collection

For the. Last months they continue to call from various XXXX area code numbers. I told them to send correspondence to me via the mail. They CONTINUE to harrass me and will not provide me with any information regarding the reason for their call. After some research it looks like a XXXX bill which I had paid previously.