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

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. 

Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. 

I have recently become aware that [ Amsher Collection Services ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ).

Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization.

I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law.

Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements.

In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ Amsher Collection Services ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review.

Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ Amsher Collection Services ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. 

Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is claiming that I have an eviction on my record with them, but they are unable to access my information to verify whether I actually owe them anything or locate me in their system. I believe this should be removed from my public record in tenant screenings, as it is preventing me from securing housing.
Product: Credit card

I had a fraudulent charge on my capital one card for {$200.00} and they are refusing to credit my account and telling me that I am responsible and that they will not reverse it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$47.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Debt collection

In XX/XX/XXXX I received an XXXX credit montoring alert that my credit report had changed. When I checked my report It showed a new collections account from a company called Transworld systems Inc. I gave them a call at the number listed to see what the debt was. On my call they told me the debt was from XXXX, a utility company ( account # XXXX ), and that they would send me a debt verification letter which I did recieve, account # XXXX. The letter was dated XX/XX/XXXX and looks like the debt was a final electric bill from a residence I live at more than 6 years ago. When I explained to them that I never received notification of this debt from either XXXX or XXXX. The representative stated that they and XXXX mailed notices in XX/XX/XXXX to the address listed on the utility account, XXXX XXXX XXXX XXXX XXXX. It should be noted that I hadn't lived at that address for more than 3 years as the utilities billing for that address stopped on XX/XX/XXXX per the debt verification letter they mailed, which Ive included. I lived at the address for 1 year only from the date of XX/XX/XXXX-XX/XX/XXXX verified by calling the leasing company. Unfortunately they do not keep lease copies that long so I was unable to obtain a copy. I asked why they would send notice to a place they new I had moved from and they could not give me an answer. It should also be noted that mail forwarding through the USPS only lasts one year, not 3. Id also like to note that I have had the same phone number since XXXX and never received a call from XXXX or XXXX. I called XXXX and offered to pay the debt in exchange for the collections removal from my credit as the collections notice from XXXX was the only notice of the debt I was given to which the representative responded with " no. '' My issue is had I not received a credit monitoring alert I would still have no idea I had this debt in collections. I've included copies of my federal tax returns from XXXX -XX/XX/XXXX showing I did not live at the address they claim to have mailed the notice to in XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I contacted CAINE WEINER ( collection agency ), regarding an inaccurate item on my credit report. I noticed I had an item being report as a collection item from XXXX. I immediately contacted Caine Weiner ( collection agency ), they stated I had an unpaid balance of {$360.00} that was owed back in XXXX. I made it very clear to them I never had XXXX XXXX for any of my vehicles all my vehicles were insured by different insurance provider. I asked for Validation of this debt a contract signed by me, a copy of my id, and a copy of my ssn as validation. They stated I would have to contact them by mail to obtain a copy of the documents. As instructed by one of their reps I sent in a letter asking for a contract signed by me, a copy of my ID, and ssn. In turn they sent me an invoice showing the balance I owed. I called them stating I received an invoice and not any of the documents I required to validate the debt was truly mine, I contact XXXX regarding this matter and they stated there was no account found with the account number I provided, I mentioned the debt was collected by a collections agency and if that may be the reason they couldn't pull up my account the rep wasn't sure but stated regardless the fact they should be able to pull up an account, I even provided my ssn and vin number to each vehicle and still NO account found. I than contacted Caine Weiner and informed them that XXXX wasn't able to pull any account what so ever with any of the information I provided, they proceeded to tell me that the debt must be paid to them. This is a complete scam! they can't provide proper documentation to a consumer but they are willing to provide an invoice stating you owe them an unpaid debt. Please remove this inaccurate item from my report.
Product: Credit card or prepaid card

On XX/XX/22 I opened an account with Discover Bank. I initially applied for a 6 month 0 % transfer balance but it was denied and I was offered a lower credit limit. I had no ideal that they would continue with the balance transfer even though my credit limit would not cover all of the funds that I had initially input but when I checked my balance after signing in online it was maxed. This was very unwelcome as having a maxed out credit card will harm my credit but since it was a lower interest rate so I tried to be optimistic and not complain. One month later I found that the balance transfer to my XXXX XXXX XXXX card never occurred. I called and was told that sometimes it takes time for the transfer to go through and to call again in a few days. I called a week later to both XXXX XXXX and to Discover alerting them that I have been paying interest on the {$400.00} to both XXXX XXXX and to them as there was no transfer received by XXXX XXXX but I was being billed by both banks for the same monies.There was little that XXXX XXXX could do so I put the burden on Discover. They then submitted a " dispute '' and after 1 week I called again only to be told that it takes " 10 days to follow the money trail. '' That was almost 1 month ago and I sent a message on the app and still nothing. I called them today on XX/XX/22 only to be transferred 3 times before I could not take anymore. I have spent hours on the phone and they are fully aware of the situation. I have made 2 payments to XXXX XXXX when the balance should be XXXX after the alleged balance transfer from discover. I was charged a transfer fee and my credit has suffered because of the amounts used on my credit cards is double. At this point I have done everything I am willing to do to resolve the situation. This is not only incompetence but theft that has stolen my time, money, affected my credit and caused me undo mental anguish. 

I expect a resolution and an apology is not an acceptable equivalent.
Product: Checking or savings account

Ally bank was supposed to credit {$500.00} bonus cash on or before XX/XX/XXXX to one of my existing accounts after new money was brought in to open an account by XX/XX/XXXX and keep the new money until XX/XX/XXXX. 

This never happened despite many phone calls questioning when I will receive the {$500.00} bonus cash. Allys response was that there is no time frame when this cash offers will be credited to my account. A case number XXXX has been created.
Product: Credit reporting

I am disputing inaccurate collection account listed on my Experian credit report. The inaccurate/fraudulent collection is from a company called XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5500.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.
Product: Credit reporting or other personal consumer reports

According to the complaint # XXXX XXXX failed to remove the XXXX XXXX bankruptcy. I have provided documentation to support the removal. XXXX XXXX has confirmed they could not verify the Bankruptcy in their system I have sent the letter explaining that to XXXX and I have also contacted the US Bankruptcy courts and they stated they do not share this information with the credit bureaus. XXXX has failed to provide proof under the Fair Credit Reporting Act of 15 U.S.C sec 1681i ( C )? This is if you can not provide the proof where you are getting your sources form it MUST be DELETED.
Product: Credit card

I ordered the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on Sun, XX/XX/year>, it has already been XXXX  months and i still have not received the product. 
Every time i contact them they told me my order is being fulfilled but due to large volume they are unable to give me estimated time of delivery. They created a shipping label but the item was never shipped. My last attempt to contact them to ask for a refund was met with no response I contacted my bank citi to initiate a dispute they told me to mail in documentation, which I did. I provided my receipt, purchase invoice, a shipping label created that was never shipped, and every interaction I had with XXXX customer service. They told me they can not look into the transaction because it has been too long and I need to reach out to XXXX directly XXXX name : XXXX Email : XXXX XXXX
Product: Debt collection

I have sent emails with copies of the police report detailing a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to the court system and I can not get any answers or feedback. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. I believe they are saying the debt came to them around XXXX. Defaulted sometime XX/XX/XXXX? I have contacted their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my former apartment, and my FTC identity theft report. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me for a debt that is not mine. There are so many cases its been hard for me to follow or keep up, and some have gone into default or wage garnishment. When calling the customer service number or sending an email, the company redirects you to wait while they investigate, and nothing happens. Due to this, I have filed a new, more detailed police report with XXXX police department ( they handled the break in case and stolen identity documents at my former apartment ), and a new FTC report that is more specific and mentions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report filed reference # : XXXX
Product: Debt collection

Ally is reporting a delinquent balance on my credit that i am not responsible for. This pending balanced was supposed to be paid by my GAP Insurance/ third party insurance as a result of a total loss of vehicle. I have tried to resolve this matter with Ally via phone an also by mailing a request for further clarification, and they have failed to do so.
Product: Credit card or prepaid card

On my Wells Fargo credit card there is a charge for {$2500.00} from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I have not made this purchase. I do not recognize what this purchase is for. I have not given the credit card information to this merchant. I have not received anything from this merchant. Regardless, for some reason the disputing functionality does not work on wellsfargo.com and I need this to be disputed. Hopefully someone via this channel will be able to help. I have noted the transaction on attached screenshot.
Product: Payday loan, title loan, or personal loan

I had an installment loan with XXXX XXXX.The loan was initially for $ XXXX.It was a 10 months term.I paid the loan for 7 mos and I started to struggle do to medical reasons.I notified the company but they wouldn't work me.They talked me into refinancing the entire loan and started the process again.At this time when I missed payments I was threatened with a lawsuit, wage garnishment along with the harassing phone calls.I called the office to try and work out something but with these people they say you pay us this amount or nothing at all.They even send partial payments back to you because they have did this to my mother. 
They refused any arrangements and charge-off my account and the amount is {$400.00} more than the amount I received.They have ruined my credit and I think that's what they wanted because of the type of people they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a membership with Experian. Specifically an Experian Credit Tracker account. I have attempted to call several several times to cancel my subscription/membership. When I finally give the automated system all of the required information and follow the several prompts. The system informs me that I do not have an account and disconnects. There is no option to speak with a representative or enter my account number. 

I have also attempted to email the company and have had no response.
Product: Checking or savings account

I had to call because my access was blocked never did a representative tell me nor did I receive a letter stating they were closing my account.I have been banking with them for years and it wasnt overdrawn and also I had direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with the Credit Bureaus, or provide me with the exact source where did the Credit Bureaus received such information, so I may take appropriate legal action. I have read that the Credit Reporting Agencies are required to remove the fraudulent information that resulted due to identity theft. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I need the Credit bureaus to send me copies of proof of verification or any documents bearing my signature to support their claims. I need the following items deleted from my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was charged exactly {$21.00} from TransUnion WITHOUT my knowledge or consent which should be considered fraud. I have a screen shot of that translation made yesterday. Please help me resolve this and get my refund. I never agreed to pay ANYTHING and what they are doing is not right!!!
Product: Credit reporting or other personal consumer reports

I have submitted XXXX  disputes and XXXX  report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information contained in my TransUnion credit report dated XX/XX/2025.

Pursuant to 15 U.S. Code 1681, the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate, incomplete, or unverifiable information on my credit report. 
The following entries are incorrect and require immediate correction :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} AXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX