23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

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

On XX/XX/year>, I ordered a treadmill through XXXXXXXX XXXX which is financed by TD Bank in XXXX XXXX I cancelled the order because XXXX would not honor a price drop. After I cancelled the order the copy reduced the treadmill by {$50.00}. I received an email stating the treadmill had been shipped so instead charging me a $ 15 % restocking fee, they charged my account {$910.00}. I filed a complaint with the XXXX XXXX Consumer Protection agency in XXXX XXXX. The XXXXnvestigator informed me see below : XXXX XXXX, " In our last conversation I explained that TD Bank isnt part of this complaint, and I still tried to contact Proform by email and by phone with no avail. Since XXXX  has its Corporate Headquarters in XXXX  I cant continue to investigate this complaint, what I suggest is, you contact Consumer Affairs in XXXX. I will send all your information to Consumer Affairs. '' Attention : XXXX XXXX XXXX Phone : XXXX Email : XXXX. 

My information was then sent to XXXX XXXX XXXX XXXX and assigned to a XXXX XXXX. XXXX XXXX 's investigation into XXXX produced no results. Subsequently, TD bank sent the account to a collection agency, and they returned to TD Bank for itemized information and closed their collection of it. Since XXXX, they have added it to my Credit report as a charge off and it has affected my credit. I have disputed but because I went to XXXX XXXX  agencies, they have retaliatorily keep it on my report. I have spoken with TD Bank, and they said I owe {$400.00} balance on a treadmill that was never delivered. I have applied for numerous loans, and it has stated I have a delinquent account. I applied for a debt consolidation loan and decline the loan because the company wanted to pay the charge off. This should have been dropped from my credit report after five years in XXXX and six years statute in XXXX XXXX and it seems very year they are adding another year to continue to damage my report. I am able to provide any information you may need to resolve this matter.
Product: Credit reporting or other personal consumer reports

Transactions are being reported on my consumer report by XXXX XXXX that are excluded by Federal law. The law clearly states its illegal to report transaction history.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There are several transactions being reported in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ), which states that transactions between the consumer and the person/CORPORATION making the report is not included on the consumer reports however they are still being reported by First Premier.

Also, 15 USC 1666b ( a ) a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reporting such information non public personal information on my reports is a violation of the PRIVACT ACT of 1974 ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency including but not limited to, his education, ,financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

I never gave anyone written consent to provide my non public personal information including but not limited to transaction history, utilization, payment history, credit limit, ect.. to a non affiliated 3rd party.

The reporting of this information was strictly without my consent and as a violation of my right to privacy that is afforded to me as a federally protected consumer 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLSOURES OF PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2017 I contacted Trans Union about identity theft and their credit reporting that displays ancient information ( closed accounts ) and incorrect information regarding several accounts in my file.
Trans Union refused to make notation or correction of the items I disputed. In fact informed me that I had to contact the companies and provide information back to them. The other credit agencies XXXX and XXXX  corrected and deleted the same erroneous information on my credit reports.
I believe Trans Union has the responsibility to contact the company that provided the information to them to confirm its accuracy. As well all the credit companies especially Trans Union, who arrogantly prides itself as '' we are more difficult than the other credit agencies '' ( is what they stated to me ) should not be allowed to take any company 's word that a consumer is irresponsible, without proof, when a dispute is made. Trans Union should be made to require documents ; i.e. signed contracts and or agreements to confirm company reporting is accurate.
Product: Debt collection

I have sent several certified letters to the debt collector in attempts to get them to validate the amount that they are attempting to collect from me on this 6 year old debt. The only thing that they provide is the original sale documents from when the vehicle was originally purchased. I have asked that they send the sale documents from when the car was sold from the voluntary repossession, but they do not provide what I am asking for. They are not providing me with proper documentation that proves that the amount that they are trying to collect is valid.
Product: Vehicle loan or lease

So I lost my car a XXXX it was totaled on an accident but I wasnt able to pay the rest after the insurance paid their part
Product: Credit reporting, credit repair services, 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$90.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see that wrong accounts had somehow ended up on my credit report, and I cant figure out why this happened. I always keep a close eye on my credit, but suddenly, these discrepancies appeared. At first, I thought it was a browser issue, so I refreshed the page, but that didnt help. The errors remained, and now Im left feeling worried. I really hope that the documents Ive sent will be reviewed carefully so I can avoid ever going through this again.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX : Account Number : XXXX : Balance : {$9900.00} - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX : Account Number : XXXX : Balance : $ XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  : Account Number : XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2000.00} - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$410.00} - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : $ XXXX Date Opened XX/XX/XXXX Unauthorized 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 XXXXXX/XX/XXXX
Product: Mortgage

On XXXX XXXX, 2015 I received notice from Green tree stating that I was able to cancel my pmi insurance I called green tree and told them that I would like to stop pmi till this date they still have n't cancelled my pmi I have called them many times sent a letter stating to cancel pmi had my home reappraised still nothing I am paying XXXX a month for this if you could help that would be great
Product: Debt collection

Accts # XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00}, XXXX Due {$30.00} I have received your mailed in Medical Statements including PERSONAL HEALTH RECORDS of this individual. You are in direct violation of HIPPA. PLEASE ALSO ATTACH COPIES OF : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH Act ) as issued XXXXXX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Consumer Dispute Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX  Account # : XXXX Amount : {$7600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this time frame. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized activity and use of my credit report by the credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check through Bank of America mobile app for {$13000.00} ( check # XXXX - XXXX XXXX XXXX ). I received notification that the deposit had been accepted and would be available the next day. I checked my email later the day and found out a 7 day business hold had been placed on the check and funds wouldn't be available until XX/XX/XXXX. I would have never deposited that check had I know ahead of time such a long hold would be placed on those funds. In addition, I initially received notification that the the funds would be available next business day. 

I called the bank on XX/XX/XXXX and was told that the bank the check was written on is refusing to pay the funds until XX/XX/XXXX at XXXX. This was a completely lie! This is a payroll check so I contacted my payroll department and they ensured me they never refused to honor the check until a specific date. I was completely lied to by Bank of America on top of them holding my funds XXXX with no advance warning. 

I understand that a bank has a right to hold your funds but there should be advance communication prior to you continuing with the deposit. I would have never deposited the check had I had known this. Completely unethical for a bank to hold your funds after they have been paid the money. This has caused bounced checks and an inability for me to pay bills. Completely unacceptable that a consumer is being treated this way.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, the complainant requested a file, and the company failed to comply. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information contained in the files of consumer reporting agencies. I have the right to know what is in my file. 

I requested to obtain the information about me in the files of the consumer reporting agency, which is referred to as a consumer file disclosure. 

Early Warning failed to provide me with my file disclosure, as they are required to provide sufficient information to allow Early Warning to validate your identity. This may include sharing my Social Security number. Early Warning will provide my file disclosure free of charge.
Product: Credit card or prepaid card

There was a JPMCB credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2004 with a balance of {$430.00} -This is not my account.
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 has violated my rights XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2  ( 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: Credit reporting or other personal consumer reports

My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and XXXX. Remove following 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 I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.
Product: Debt collection

I noticed several unauthorized accounts on my credit report that seem incorrect. Please remove and block them immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : ACCOUNT INFO Account name XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to dispute the items in my credit file which impacted by incorrect credit information. Again, Im sending over a new Identity Theft Report # XXXX & XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from a mistaken credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX =======EQUIFAX : XXXXXXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.