23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

I DECIDED TO LOOK AT MY CREDIT REPORT AND NOTICED SOME FRAUDULENT ACCOUNTS LISTED ON MY EQUIFAX REPORT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please investigate this problem, as Transunion is the only credit reporting agency reporting this particular account. XXXX and XXXX already removed this as these are not mine and inaccrurate
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$11000.00} XXXXXXXX XXXX XXXX BALANCED {$4800.00} XXXX XXXX XXXX  XXXX BALANCED {$11000.00} XXXX XXXX XXXXXXXX BALANCED {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting XXXX XXXX XXXX XXXX XXXX. I paid this amount in full XXXX dollars in XXXX nothing has been done but the document from housing says XXXX but XXXX XXXX was given to him as well to rectify the situation the XXXX XXXX XXXX do n't have the landlord number either I also have documents to prove from both courts and himself the landlord and housing authority. I need you guys to investigate this please.
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX tn. I got a XXXX XXXX accord for the price on the window {$2900.00}. I didn't try to negotiate other than asking for a break because the car was disgustingly a filthy disgrace but of course the answer was no. I paid {$1500.00} in cash that day with a deferred pmt to be made in couple weeks of {$280.00}. So I paid for a little bit at $ 285 monthly then started paying weekly at {$80.00} then for a while at {$50.00} either way it went i was never coming out anywhere close to on top. So each week that i was making payments of {$80.00} or {$50.00} i was getting hit with late fees because it wasnt {$280.00} everytime i made that pymnt and four times a month which now has me at {$2000.00} in late fees are you kidding me? which was coming was coming directly out of my check so to make a long story short a year and a half later after paying over {$5000.00} on a {$3000.00} car that was negotiable at the lot I still owe {$6000.00} on this car I've called the company ask them for a payoff less than the amount it says if I paid in full no it's non-negotiable they said my payment is due every XXXX {$80.00} comes out of my check in account and last week they already had me turned into the credit bureau when I checked my XXXXredit score on XXXX they already turned it in that I didn't make a payment and it was set for {$280.00} not the {$80.00} I am a believer that they had me on my credit report on XXXX just to get those late fees again this is wrong to do me this way just because I have bad credit because of a bad divorce they have taken advantage of me like the rest of the world has and I'm quite sick of it and I did forget to say I was driving the car to work one day it was day XXXX that I had bought this car and I was on the side of the road the axle broke and the guy at the car lot XXXX XXXX who sold it to me knew this about the car yeah it did not tell me I also have put about {$3000.00} into this car just to make sure I get a way to work to pay for this car I will never use credit acceptance I will walk before I use this company again they have harassed me the day after I make a payment and I've asked them to stop they refuse and do what they want
Product: Checking or savings account

My complaint is against XXXX XXXX for their handling of my XXXX term CD. I only engage XXXX through their mobile app. Specifically, my CD reached the XXXX maturity date. After that, according to XXXX, because I did not call within XXXX of the maturity date they initiated another XXXX term. Today, I contacted XXXX to close the CD and was advised there would be a {$3000.00} early withdrawal penalty. When I confronted XXXX about this predatory amount I was advised that the terms of early withdrawal where shared with me during the original agreement. I stated that since I only engage with them through the mobile App I can not be expected to recall terms from over XXXX  years ago and that I should have been given notice through the mobile app since they have records that this is my only engagement tool. Furthermore, I questioned how I could be charged on the entire principal amount when they initiated new 4 year terms without my consent. Giving Customers a limited XXXX window to provide instructions on how to handle an account after sitting with XXXX terms is a dishonest business practice as that XXXX window assumes a Customer has access and awareness to provide instruction. I would NOT have chosen to initiate another XXXX term had XXXX made XXXX aware of their intended actions through the mobile APP. This business practice undoubtedly is abusive and takes advantage of Customers who XXXX not recall CD origination detail and should receive notice and a longer window to provide instructions in order to avoid such a significant penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate those accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX 3. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2023 Equifax, XXXX, XXXX, XXXX XXXX, XXXX Subject : Demand for Immediate Removal of Late Payment Entries Under 15 USC 1681 Section 604 ( 2 ) and 15 USC 1666b To Whom It May Concern, I am writing in my capacity as a consumer, to address inaccuracies in my credit report, specifically regarding late payment entries. This letter serves as a formal request for the immediate removal of these entries, based on my rights under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ).

Per 15 USC 1681, Section 604 ( 2 ), I assert my right to privacy. This section stipulates that a consumer reporting agency can not furnish information about my account without my explicit written permission. The late payment entries on my credit report have been reported without my consent, thereby violating this statute.

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating any payment on a credit card account under an open-end consumer credit plan as a late payment, unless specific conditions are met. These conditions include the requirement that the creditor must have adopted reasonable procedures to ensure that a periodic statement, including the information mandated by section 1637 ( b ) of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. The late payment entries on my report do not adhere to these requirements.

Therefore, I demand the immediate removal of all such late payment entries from my credit report. Failure to comply with this demand will compel me to initiate an arbitration lawsuit. Additionally, for every day that these unlawful entries remain on my report, I will add {$1000.00} to the demand balance as compensation for the damages caused by these inaccuracies.

I expect a response to this letter within 30 days of its receipt, confirming the removal of the inaccurate late payment entries from my credit report. Non- compliance will leave me no option but to seek legal redress for this matter.

Thank you for your prompt attention to this serious issue. I trust that you will act swiftly to correct these inaccuracies. This information will be reported to the ombudsman office state legislature and Atty general office.

All late payments that are reported should be removed immediately upon receipt of this letter. These are the following account that is reporting illegally and will be turned into the state legislature and CFPB and Atty General I have sent notices letting you all know of the illegal credit transactions reporting on my report. 
Therefore I will file suit against all parties involved. 
The following accounts need to be removed immediately from these illegal credit transactions : XXXX XXXX XXXX XXXX XXXX, closed balance remove this account immediately. 
XXXX XXXX XXXX illegal late payments {$5600.00} account : XXXX XXXX XXXX illegal late payments XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three of the credit bureau on XX/XX/2021, and have not heard anything back from any of the three. Its been over 30 days which now make me feel as I am not liable for the debt and it need to be removed.
Product: Bank account or service

I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.
Product: Debt collection

I am disputing the item that was placed on my credit reports. I do not use XXXX nor have I used XXXX in over 15 years. I do not owe them. I have no idea what this is. They need to remove it from my credit. I was not contacted about this debt before collection was placed on my credit.. They simply placed an amount on my credit. This is not my debt. Remove it. Details {$1100.00}. XXXX XXXX Date assigned XX/XX/2022 Agency CBE GROUP Status date XX/XX/2022
Product: Credit reporting or other personal consumer reports

Here is a list of the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus 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. Here is the list of accounts that do not belong to me : 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 received a derogatory credit item from southwest credit systems for a  XXXX  account that went unpaid. I called southwest and made payment but they denied my request to take down the item. They are not original owners of the note and could n't produce documentation nor did they advie me prior to posting this on my credit as I was unaware of the unpaid bil due to moving and having a new home address. I 've contacted them and escalates calls even so contacting the credit bureaus advising them of the situation. Please advise as to what I can do. The account was paid back in   XXXX   XXXX     and I received a deragotry item on My credit on   XXXX   XXXX    . The amount owed was roughly {$470.00}. Thank you for your consideration.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Hello, I received a giftcard ( visa ) for {$100.00} from XXXX as a gift and the security code is missing and most of the card numbers are missing. Therefore, I cant use it.
Product: Debt collection

On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.
Product: Debt collection

I have received a debt collection notice from Allied International Credit Corp., ( AIC ) which stated I had an ebay balance due with Reference # XXXX. I have not purchased anything from XXXX and I contacted XXXX and the rep confirmed indeed I have no related activity. I logged into my XXXX account, which I had to activate as it was deactivated due to lack of usage. And indeed it shows no activity, no balances owed, no purchases of any kind. I googled AIC and have seen that multiple parties have received the same from this company stating that they have an XXXX balance and that it is also false information. I was warned not to call AIC directly and instead to report it as it was a known issue by XXXX and their legal group was " working on it ''. Amount states that I owe {$380.00} and their information is as follows : Allied International Credit Corp. , ( US ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Notice even claims you can sign into the XXXX account to pay the debt, but there is XXXX debt and that is not even how XXXX works.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Thfet Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THESE ACCOUNTS IMMEDIATELY UNLESS YOU WANT TO BE HELD {$1000.00} per violation
Product: Money transfer, virtual currency, or money service

I received an email from PayPal, on XX/XX/XXXX, stating my account is permanently limited after a review. I called on XX/XX/XXXX and asked a customer service agent, why was my account limited, she said I can not give you that answer, I then asked for a supervisor and he said PayPal, will contact me within 24-48 hours, they never contacted me. I called again on XX/XX/XXXX, I talked with account manager XXXX, he said PayPal would contact me and once again, they did not. I had 2 XXXX  's with PayPal as soon as my account was limited, I sold my XXXX  and PayPal, charged me a fee of about {$90.00}, but I was not allowed to transfer my {$5600.00} to my Bank account. I read PayPal 's user agreement, it says after 180 days my money can be released and transfered, however, it's been 214 days and I still can not transfer my money. I sold my XXXX {$2600.00} XXXX and that is also not able to be transfered to my Bank. PayPal, charged me about {$39.00}. Interesting PayPal, takes a transaction Fee, for both XXXX and XXXX but still will not release my money! I even tried to make a formal complaint but PayPal 's site wouldn't allow me, too.

I signed up with PayPal back in XXXX, when I was selling on XXXX, never had an issue until out of nowhere, PayPal, limits my account and " never '' gave me and explanation, truly unprofessional and poor business practice. I then called after the 180 days, and the customer agent stated if I'm eligible or if I qualify, then I will receive my money, I've " never '' heard of such profound nonsense in my life, I have to qualify for " My Money '', its outrageous to even mention something that absurd and foolish! Bottom line PayPal, is operating rogue and doing whatever they want to, with my hard earned money, and I'm not going to allow them to steal " My Money ''. Something Needs to be done with this Unethical business, they do not understand customer service and certainly operates with no regard to there customers, meaning me and I'm sure many others, as the internet shows All the lawsuits against this company, that are ongoing. I would hope the new CEO, is ethical and professional unlike the former one, XXXX XXXX! Warning do not use PayPal, or you too may have sleepless nights, hoping and praying you get your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to Equifax, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXXXXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX XXXXXXXX is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Debt collection

A company. Claiming to a debt collector called my employer. When called them they said they wouldn't stop unless I agreed to something with them without proof of debt.