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

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting a house
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXXXXXX XXXX  INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Product: Vehicle loan or lease

My vehicle was recked and declared a total loss. The insurance company and gap insurance paid off the majority of the loan. Due to the pandemic the claim and communication between all parties involved suffered delays and lack of proper communication. The loan holder Capital one. Did not provide an accurate payment statement reflective of the final amounts due. As a result I believe they wrongfully reported negative marks on my credit report. The final amount due as provided by capital one statement was XXXX. XX/XX/XXXX. At the point i made 6 monthly payments of XXXX dollars. and never received a statement reflective of those payments. thus leaving me with no proper statement to base my final fees due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed by credit report from Experian dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that Experian provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. Experian has refused to provide this information which is intentional and reckless. According to the FCRA Experian is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) Experian admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, Experian needs to " CLEARLY '' state it's source. I have also attached a disclosure from XXXX XXXX who has stated that they provide Experian with public record information. My XXXX XXXX disclosure report does not include a bankruptcy, this has been provided to Experian on numerous occasions. Additionally, XXXX XXXX is not authorized to share my data with Experian or any other source with the exemption of Law Enforcement per my suppression request. It is illegal XXXX XXXX to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if XXXX XXXX is sharing my personal data without my consent. I am requesting Experian provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If Experian can not do so within 30 days of this dispute, it must delete this record from my credit report.
Product: Debt collection

in XX/XX/XXXX, I divorced my then, wife, now ex-wife. In XX/XX/XXXX, my ex-wife using an insurance card she was permitted to use, incurred a debt with a XXXX XXXX ; which, she promptly, failed to pay. 

The doctor 's office tried collecting the debt, eventually calling me since she had moved out of state. I informed them that I was not ther individual in their office ; nor, did I at any time agree to be financially liable for her visit. The doctor 's office indicated that they understood and never called me again. 

At some point thereafter, the doctor 's office sold off the debt to ProCollect. After not finding my ex-wife, they began harassing me. I told them the full story numerous times over the past four to five years. On more than one occasion they indicated they would remove the debt from my credit only to leave it in place and deny our previous conversations. Most recently, in XX/XX/XXXX, I spoke with a XXXX XXXX at ProCollect and after a lenghty discussion, she agreed that this was not my debt ; and if I could send my divorce decree as evidence, the smudge would finally be removed. 

I quickly drove to the courthouse where my divorce was finalized and paid for a certified copy of the requested decree. I then had the document scanned into PDF, again at my expense, and e-mailed it to the address I was given. 

This item has yet to be removed from my credit. 

I called ProCollect again today, in hopes of getting them to correct their apparent inattention to this issue, this time speaking to one XXXX XXXX. XXXX XXXX indicated they had received the decree but did n't care what I thought that meant. They determined that the decree no longer qualified or substantiated my claim. They insist that the debt is mine. 

I have asked numerous times, five by memory, for them to provide evidence of their claim that I incurred this debt. They have openly refused to provide that evidence.
Product: Mortgage

We started the refinance in XXXX with TD Bank. All papers were submitted by XXXX. We changed over our homeowners insurance to list TD Bank as loss payee as requested. We have several times gotten a payoff amount from our current mortgage company as requested for closing. We were credit approved in XXXX. We were told numerous times that we were close to closing but would need to lock in the rate for 5 days a fee, leaving us to believe that we would be closing within the next 5 days. It is now XXXX and we still have not gotten a closing date nor a reason why not. Our emails requesting status updates go unanswered. We now have to start the process all over with another lender and have wasted 9 months. We had to pay for an appraisal. And I fear the good rates have now gone up and we missed out on them waiting for TD Bank to give us a closing date.
Product: Mortgage

SLS had the locks changed on a property while a short sale is being negotiated. I was told by XXXX at SLS on Friday XXXX/XXXX/15 I would be called in 2 days to meet at the property and they would give me a key. As of today, XXXX/XXXX/15, I have not received a call from anyone. Foreclosure sale date is XXXX/XXXX/15 and SLS 's actions are preventing the short sale from getting completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Transunion Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my XXXX notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name:XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX 6. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.
Product: Student loan

I received a summons today XX/XX/XXXX for a lawsuit filed XX/XX/XXXX by Access Group, a lender for a private loan from XX/XX/XXXX that my credit report shows I have n't made a payment on since XX/XX/XXXX. They can not even report this time-barred debt and suing on it is illegal. I am in the process of trying to buy a house and I can not afford to have this issue come up on a search.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a XXXX XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an XXXX of XXXX on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, XXXX and Experian over the past XXXX years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a XXXX  XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX from PayPal XXXX XX/XX/ at XXXX XXXX to XXXX XXXX XXXX via debit card transfer that only takes 24 hours to post and it never was deposited into my account. PayPal still has the money and never completed the transaction although they told me they did.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR LETTER TO EXPERIAN IN REGARDS TO INACCURATE LATE PAYMENTS WITH XXXX XXXX  XXXX
Product: Credit card

I went to a XXXX dealership in XX/XX/2024 because my service engine light came on, only XXXX weeks after having the vehicle repaired for a different issue that they repaired. My vehicle was driving normal and was smooth and very quiet idle when I brought it the 2nd time, which I was told it was something else. I agreed to repairs. I was called days later that it was ready for pickup. I live XXXX XXXX hrs away and caught an XXXX to the dealership. {$69.00} fare. After I paid {$720.00} they then drove my truck around, and it was very loud clacking noises, and tapping sound coming from my truck. Very loud and noticable. I tried asking why they would call me and me that my truck was repaired, and after charging my card. I called immediately and opened a claim with FNBO First National Bank of Omaha, which turned out to be a one sided investigation, which they closed immediately and said I was responsible for the charge. No fight for the consumer rights. I have called to appeal the decision but not sure if it would have any affect, considering how one sided the 1st investigation went. I am not confident in them or to further use this card. Will definitely be closing the account after I pay it off. This is for the FNBOXX/XX/XXXX credit card.
Product: Debt collection

Synchrony bank is saying I still owe them for a PayPal credit card. They made a settlement with the debt consolidation XXXX XXXX XXXX. The check was mailed to them in XX/XX/2020. They are still saying I owe them and reporting it on my credit report as unpaid.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never participated in any legal contract in regards to this debt. These accounts are being furnished without any legal agreement/contract. This debt collector is being abusive, deceptive, and unfair in its business dealings with me. This is prohibited by FDCPA. Under FDCPA, I am entitled to {$1000.00} for single one of these violations. Additionally, they didn't follow the correct 5 step validation procedure which again is unfair practices.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

remove the judgement from my acct it has been vacated enclosed is a copy of the judges order
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00}, XXXX XXXX XXXX XX/XX/XXXX {$790.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX {$340.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX230.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  ACCT {$340.00} XX/XX/XXXX, XXXX XXXX XXXX {$790.00} XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXk XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Members First XX/XX/XXXX, Ive reached out countless times to the bureaus, emails, calls, calling and speaking with XXXX different people and still no results.