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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

check systems has denied deleted a fraudulent account. ( XXXX XXXX XXXX   ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, checksystems has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on check systems like XXXX  XXXX XXXX and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX  XXXX, XXXX  XXXX also the checksystems report numberer is ( XXXX )
Product: Credit card or prepaid card

Purchased Tickets through XXXX. Covid-19 cancelled the event. Requested refund in XXXX. Never received refund, have proof of request. Sent this to Citibank with all proof. Citibank ruled against me without fairly viewing the evidence I submitted and favored the merchant who said the event was not cancelled and that they do NOT do refunds regardless of corona virus cancellations ( what they told my bank. ) I contacted XXXX XX/XX/2020 and they said they went ahead with the refund on XX/XX/XXXX for XXXX $ and the authorization number given me. XXXX told me to contact my bank and tell them they ( XXXX  ) will still help me and refund it like they said they would because of Covid-19.  Citibank has NO record of this, refuses to help me, I can NOT dispute it because it was already ruled on, and Citibank states I need to contact XXXX and work it out with them and they have no power.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several of the mentioned accounts are not accurate according to the reporting.
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 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 XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.
Product: Debt collection

The account in question was opened in XXXX through XXXX XXXX  in XXXX XXXX. I had another credit card through XXXX from the year prior which I did not understand at the time. Once I realized there were XXXX accounts through XXXX I was transferred over to XXXX XXXX. I set up auto payments through them and the first few payments went through without issue. This company removed my auto pay which sent my credit into a downward spiral. After acquiring substantial debt from the " missed payments '' and interest I sought out debt consolidation with XXXX and was making payments of {$180.00} a month to slowly pay down debt. In XXXX I lost my job due to XXXX and attempted to still make payments with unemployment checks. I remained unemployed and reached the limit of that accommodation and reached out to XXXX and reported a loss of income. They closed my account through XXXX and LVNV took over the debt. The other credit card from XXXX XXXX  along with all other debts accrued were settled at the time that I secured employment in XXXX. The XXXX XXXX credit card ( the item being reported ) was sold to Resurgence and showed a balance of {$760.00} as evidenced by the last XXXX statement attached below. The information sent to me from Resurgence stated that I owe {$780.00}. The information they sent to me had an interest increase of {$13.00} for the year of XXXX. I did not receive any other statement from them for XXXX. The discrepancy in amount and lack of previous payments prior to collection leads me to believe they do not have the proper documentation to prove this debt is correct. I have filed a dispute through them directly and it was rejected with little to no further information regarding this account.
Product: Debt collection

Set up payment arrangements directly with Collection Agency and have been paying. Had contacted collection agency about identy theft of banking information. Have had bank cards and account replaced. Bank cards replaced about 7 times, bank account 2 times. Can provide banking claims to show proof of issues of stolen information. Made a XXXX payment on XX/XX/2019, received a credit alert that collection agency had put collections account on my credit which brought my score down and the company kept asking me to pay the debt completly off and this will be removed from my credit. But if I have been paying and due to banking info being stolen repeatedly making payments of more that my payment arrangement why was this put on my account now since I have paid almost all the debt off and payments are due at the end of the month. If this is not a attempt to harm my credit and being threating I dont know what is. I am paying and this is still harming my credit file. Paid and not even 2 days later this shows up on my credit file. My original debt was at over XXXX and I only owe XXXX some dollars. Paragon Revenue never called me due to them purposely calling an alternative number when they had my direct contact number.They have lied completly about there practices and I went to court for this and they lied and not honoring there spoken recorded words, and as well as the hospital representative that uses them and know how they practice. How is these legal if I am making payment arrangements and the debt is almost completly paid down.
Product: Debt collection

In XX/XX/XXXXI failed to pay a debt with XXXX XXXX XXXX, XXXX. ; in XX/XX/XXXX it was shown as a charge off on my credit report for the amount of {$590.00}. On XX/XX/XXXX, I received a Notice of Summons from XXXX XXXX, XXXX successor in interest to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. Unaware of my rights, I answered the judgement within the required 30 days. On XX/XX/XXXX I received a payment plan from XXXX XXXX, XXXX, but the logo at the top of the " Proposed Judgement '', was from XXXX XXXX XXXX, XXXX Attorneys. I signed and returned the judgement on XX/XX/XXXX and the agreement for {$70.00} a month payment plan was made. I paid {$70.00} on XX/XX/XXXX and another {$70.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP, informing me that XXXX XXXX XXXX , XXXX, who handles accounts for XXXX XXXX, XXXX is closing as of XX/XX/XXXX and my account is being transferred to their law firm for future handling and I should send future payments to the address given. 

On XX/XX/XXXX, I received a letter from Aldridge Pite Haan , LLP stating that I owe {$560.00}. I sent a certified letter to them explaining that I had already started a payment plan and was paying down the account ; therefore I should not owe the stated amount. They continue to harass me for the above amount although I had already had already made payments toward the original amount owed. 

Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

not my account. 


TRANSWORLD SYSTEMS INC has flagged your account as Collections on XX/XX/year>. 

Source : XXXX Company : TRANSWORLD SYSTEMS INC Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$520.00}
Product: Vehicle loan or lease

on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.
Product: Credit reporting or other personal consumer reports

XXXX DEBT COLLECTOR HAS SENT ME NUMEROUS EMAILS DATED XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> REQUESTING A DEBT TO BE PAID. I REQUESTED AN ACCOUNT NUMBER AND PURCHASE AGREEMENT ON XX/XX/year> FOR THE AMOUNT THAT XXXX IS PROJECTING THAT I OWE, WHICH IS {$880.00}. THEY HAVE NOT EMAILED OR MAILED AND AGREEMENT AFTER IT WAS REQUESTED. I SUBMITTED A LETTER TO THE COLLECTION AGENCY ON XXXXXX/XX/year> AND HAVE NOT RECEIVED A RESPONSE SINCE.
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, TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance {$110.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX XXXXnquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to experian and XXXX in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( experian and XXXX have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Experian credit report I was able to identify multiple accounts and addresses that I never game permission to furnish as well as the items beings fraud. I have contacted Experian multiple times in regards to this and they have failed to provide a solution. Experian as violated my rights as a consumer per FCRA on multiple occasions and it has caused serious damage to my reputation. With them also reporting these addresses I am concerned with people getting access to my personal information.
Product: Money transfer, virtual currency, or money service

XXXX Her name is XXXX XXXX and she hacked my account and sent herself XXXX. She is a fraud and I would like my refund! She even said it was for XXXX tickets and used my military husbands card!
Product: Debt collection

Someone called concerning balance to XXXX XXXX XXXX. I was going to pay XXXX per week but the person rudely stated they cant accept that and I told them that I am not making enough money to take Care of myself they refused to work with me so I hung up
Product: Debt collection

Please remove on my Credit Report To whom it may concern I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by XXXX XXXX  and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : XXXX XXXX has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus.

I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

Requested Payment history for a very old student loan that was consolidated and current years ago. Equifax did not provide nor delete the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a certified letter to Experian, XXXX, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Product: Student loan

In reaction to a previous ruling by the CFPB, i stopped payment to XXXX XXXX Services. However, they responded by selling my loan to UAS ( University Accounting Service, LLC ). It was to my understanding that anyone that a genesis loan was sold to, must obey the same stipulations that were set forth in the previous agreement. On a further note, on XXXX XXXX, 2015 a federal judge ruled in saying that XXXX are solely responsible for any outstanding XXXX Loans, and that the students are not. UAS has now threatened to send my accounts to collections, as well as report my nonpayment to the credit bureaus. I am disputing both of these actions, and also arguing my defense to repayment.
Product: Debt collection

There is a derogatory remark/collection from " Credit collection Services '' on behalf of XXXX on my XXXX. I disputed it because I contacted XXXX and validated that the test was paid for by insurance and the collection company is trying to collect on something already paid for. The dispute came back as " validated '' with no supporting documents.
Product: Vehicle loan or lease

XXXX I filed this complaint onXXXX. The company respond and said they would overnight by XXXX a check. That never happened. I called them with a follow-up. They then said they mailed a check. That never happened. I still have not received the funds they erroneously, falsely and illegally took from my XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$730.00} XXXXXXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked 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 accounts ( A ). It is not permitted to report these accounts 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 Balance : {$54000.00}
Product: Debt collection

i was contacted by Rash Curtis and associates for a medical bill from some where in California and also have an address and phone number listed that has never belonged to me. I called them on 3 separate occasions stating that this is not my bill for {$990.00} and I had never lived at that address. I said I would be more than happy to pay the bill if they could provide me with any information at all proving it was mine. To date this has never happened. I also disputed this with XXXX  as they are the only credit agency that has it listed on my credit report. I do not know what else to do to get this bill that is not mine removed from my reporting.