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

o Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act I have since XXXX XXXX XXXX XXXX XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
Product: Debt collection

XXXX XXXX  I never leased anything from them had no contract or verbal agreements and they are not my responsibility they falsely obtained my social and date of birth and a judgement without serving me papers I dispute this she want it overturned
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Truist bank is a criminal organization. They froze my account in XXXX claiming fraud and said they were going to investigate. They have not investigated anything and will not release my money. I have had 10+ visits to the bank and those people are clueless. The last demand was over reaching. They want a letter from the person who wrote the check in order to prove it was mine? What do I need next? A letter from my mom allowing me to deposit money???
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 Reporting information with actual knowledge of errors 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. The debtor must provide a signed copies of the agreement or contract signed to validate the debts, failure to provide all the necessary papers institute illegal for any reporting agency to put inaccurate information on a consumer credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I have a list of unauthorized inquiries that I did NOT give written permissible purposes to furnish to my consumer report. Accordingly to the FCRA 15 U.S.C 1681 ( e ) subsection ( e ) paragraph ( b ) Disclosures states : " EACH permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report or information. and also 15 U.S.C 1581b Also states that you must have " written permissible purpose for each item being furnished ''. please remove the follow inquiries listed below whiich does not constitute the FCRA consumer laws I listed above. Please provide proof of requested documentation of my written permissible purpose for EACH inquiry or remove entry from consumer report immediatley. according to FCRA you have 15 days to respond to this matter or these accounts must be removed by law. 

XX/XX/XXXX
Product: Debt collection

I'm filing a complaint regarding a 3rd party collection agency, XXXX XXXX  XXXX, XXXX XXXX In XXXX, IL for harassing and illegal threatening me for a debt. I asked for validation by sending them 2 different certified letters in the mail that were enough days apart, but still no true validation that the debt is mine.

Cavalry SPV {$1500.00}
Product: Vehicle loan or lease

We requested a payment history from Flagship Credit Acceptance, this was sent showing payments through XX/XX/XXXX. The history was correct, the issue is when making a payment via the website it states we are currently paying on XXXX XXXX XXXX, 5 half month payments have been made since the payment history was sent which actually has the vehicle paid through the end of XX/XX/XXXX. I have contacted customer service multiple times only to be told that they have contacted thier back office team to look into the issue and it will take 30 days to resolve the issue. This issue has been going on for 2 months, which was the reason I requested the payment history to begin with, we were stuck paying payments on XXXX for 2 months, then it finally changed to XXXX. Based on the payment history they sent us amounts are being applied to principal and to interest. We aren't trying to make principal only payments, my wife works a XXXX XXXX  so she wants to make sure she is paid up ahead of time to take care of the months she doesn't work. Just to add one of the times customer did work through the payment history with me and stated that one of the half month payments was recieved but not applied to the account, this wouldn't fix the current issue but I don't understand how this happens either. I also noticed that the account number on the payment history doesn't match my actual account number on the website and I don't understand this either. I am extremely frustrated and concerned that all the payment my wife has made to get ahead have been a waste of time. When she is out of work and the website still says XXXX and she doesn't make a payment they will try to say she is in default when she really isn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Discover Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/year> Balance Owed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in Experian identity works compliment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  mt past emails from XXXX and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX support.
Product: Debt collection

some guy name  XXXX   XXXX   XXXX  kept pretending to be me I do not know who this individual is.          XXXX  account reported on  XXXX   XXXX ,  XXXX  This agency did not report an open account to this bureau.   Open Account #  XXXX  {$1600.00} Balance  XXXX   XXXX  Creditor {$1600.00} High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.   Responsibility -- Remarks Note
Product: Debt collection

I received a phone call regarding a debt to XXXX XXXX over the phone. I notified the caller that I did not receive proof of a debt owed and I closed the account in XXXX or XXXX of 2017 for disruptive cable and internet service. The items in question ( Cable boxes and modems ) were returned upon request from XXXX XXXX, which reflected the amount in question. I presented proof of same to the collection agency Sunrise and my attorney sent the collection agency ( Sunrise ) a letter also requesting proof of the debt. 

The Collection agency violated my rights under federal law and NY State law by placing a collection on my credit report for {$350.00} without providing proof of the debt. To date, I have not received proof of any debt nor have my attorney received a response from a letter sent to Sunrise Credit collection clearly stating the debt in question was invalid. I am requesting an immediate correction on my credit report or I will start litigation for damages in Supreme Court.
Product: Debt collection

I continue to receive phone calls and collection attempts on a medical invoice that was paid off back in XX/XX/2020. This has now hit my credit score. I want it removed from all credit agencies and all attempts to collect on this paid debt to stop. 

I have included a copy of the cashed check showing this bill has been paid PRIOR to being sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times please delete the following inaccurate information from my credit file within the next 30 days I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during this. I know that these inaccuracy inaccuracies should be automatically removed I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 delete the following inaccurate telephone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies , you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity.

Regards, XXXX XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

Moved out of apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kept my entire security deposit and charged me an additional XXXX for Full Unit Clean, Carpet Shampoo, Carpet Patch, and Full Unit paint. They sent over pictures, which show no extensive damage or reasons for these additional charges. Everything was left in good condition and the only changes were normal wear and tear, these " repairs '' whether actually done or not, were unnecessary and not needed.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I found several incorrect information that does not belong to me. Please review letter for detailed information. 

The financial industry depends on accuracy and trust. Deviation from this can lead to issues for lenders and other parties involved, in addition to individuals. I trust your organization to carefully verify each and every piece of information you have put together as I go over my report. 
More than just a tool for transactions, credit reports are a record of a person 's financial history. A portion of this journey is told by each entry and number. False representations of someone's journey are what constitute inaccuracies, not administrative errors. Together, let 's make sure that my journey is accurately and completely depicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my credit report that I did not do. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a Business Adverse Action letter from XXXX XXXX XXXX where I am shopping for a new homeowner insurance. The letter said they put a surcharge on my premium because the information they received from LexisNexis XXXX XXXX in XXXX. 
In the LexisNexis report, there was an insurance claim listed for XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). After talking with XXXX, I have learned that a phone inquiry on XX/XX/XXXX has been changed to a claim without my knowledge. One of the insurance item I had with XXXX called " home system protection ''. When my furnace was broken on XX/XX/XXXX, I called the company to ask if it is covered by " home system protection ''. I didn't get the answer on the same phone call. Later I paid everything by myself to fix the furnace and did not get a penny from XXXX. I never thought this phone call became a claim and it is against me now when I shop for new insurance. After discuss with XXXX I was provided by a letter saying that the claim was closed and payout was {$0.00}. However, after I presented this letter to XXXX, I was told that the surcharge can not be removed because the claim was still there regardless the payout amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

repeated phone calls after they were informed they are using my cellphone minutes. Can not keep incurring charges for unwanted calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my consumer report XX/XX/2022 and am frustrated to have found so many inaccurate accounts being furnished in errors. Pursuant to 15 USC 1666b, a creditor may not treat a payment in a credit card account under an open-end consumer credit plan as late for any purpose. Congress has noted that XXXX, XXXX and Trans Union is not backed by any government agency and is simply an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character and general reputation of consumers. Congress has also made it clear that XXXX, Trans Union and XXXX have assumed a vital role in assembling and evaluating consumer credit and other information on consumers pursuant to 15 USC 1681. Per Congress l, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Trans Union and XXXX acted impartially towards me because you furnished inaccurate information l, defaming my character and reputation, with no proof. Not to mention l, I never gave XXXX, Trans Union and XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b as well 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) because information solely as to transactions or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report so you have no authority to furnish this information. XXXX, XXXX and Trans Union has caused me severe stress and anxiety due to these abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute because XXXX XXXX reported I missed XX/XX/ payment when in fact I made the payment on XX/XX/ and funds were available. XXXX XXXX department advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX  customer service advised me to contact a local XXXX XXXX to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.
Product: Debt collection

to my knowledge this debit first became delinquent XX/XX/XXXX, it was recently reported to the credit bureau as becoming delinquent in XX/XX/XXXX. this debit is over seven years old, seems to have been sold to another company and all information I have no knowledge of.I have a judgement placed on my credit file. XX/XX/XXXX, i tried to pay on this account but payment was refused that was all i could afford, the balance now i have no knowledge of this is a seven or eight year old account to my knowledge and wrong Information.
Product: Credit reporting or other personal consumer reports

My data was exposed threw a data breach and all my personal information was exposed..An false account has been open in my name and False checks were deposited in my accounts and my accounts where closed on the behalf of the bank institutions and I can't recover from this fraudulent activity...