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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX 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.

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.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - Notice of Legal Violations Dear XXXX, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws, specifically under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant Georgia statutes . 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a clear violation of federal and Georgia laws. Under the FCRA and corresponding Georgia statutes, consumer consent is an absolute prerequisite for any such reporting activity. 

Furthermore, Georgia identity theft fraud laws emphasize the seriousness of unauthorized access and misuse of personal information, further solidifying the gravity of this situation. 

I assert unequivocally that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, with potential repercussions for my creditworthiness and a blatant disregard for federal and state laws. 

I demand, with absolute certainty, that XXXX immediately halts any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant Georgia laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Georgia identity theft fraud laws. 

Compliance with these legal obligations is not negotiable ; it is imperative for protecting consumers from unauthorized and damaging credit reporting practices. 

I anticipate your prompt attention to this matter and expect that XXXX will rectify these violations swiftly, respecting my rights under federal and Georgia laws.
Product: Credit reporting or other personal consumer reports

I have disputed incorrect credit reporting on an XXXX loan taken out that had a missed payment XX/XX/2022, since then I have made every single payment on time and in the full amount owed. They have reported my account as delinquent by XXXX days and have reported that I have missed XXXX payments ( totaling {$890.00} ) that are incorrect. I made a complaint through XXXX on XX/XX/XXXX and received a reply XX/XX/XXXX and was told to contact them either via phone or email regarding information that they had collected. I contacted the company via email XX/XX/XXXX, XXXX, XXXX, and XXXX with no response. Of course this false reporting has damaged my credit payment history and score.
Product: Vehicle loan or lease

I, XXXX ; XXXX. XXXX :, being of full legal age, declare that the aforementioned statement is true. I recently discovered fraudulent activity in connection with my agreement with Huntington Bank. I have written to them regarding the issues associated with the purported loan on multiple occasions but have received no response. I have sent a billing error dispute, a validation of debt letter, and a cease and desist letter in accordance with the Truth in Lending Act and many other communications. All of these documents have been received with proof of receipt, yet I have yet to receive a response to my claims. Furthermore, my purported debt has been accelerated in violation of TILA. 
Huntington Bank has asserted that it provided a loan to the Claimant ; however, it is prohibited from lending its own credit or money. The Claimant was not required to provide any collateral for the alleged loan, making it a consumer credit transaction for which no cash was given to the Claimant. Insurance, warranties, and other fees were not included in the finance charge. The Claimant was required to make a down payment, which is in contravention of consumer law as this was only a consumer credit transaction. The Claimant 's vehicle was wrongfully repossessed under color of law, and extortion in violation of consumer law with fraudulent practices making this a HOBS ACT violation. The Claimant was not informed of his right to rescind from the contract, and there is no disclosure statement on the agreement as mandated by applicable consumer law. 
It having been almost 150 days since I requested rectification of errors and receiving no notice of such, I hereby exercise my right of rescission, revoke my signature, and request reimbursement of the full amount paid for the automobile in this consumer credit transaction, down payment and repossession fees paid for the vehicle, all insurance payments made to date, all monthly payments made to date, all funds made from hypothecating my promissory note, and an additional sum of {$1000.00} for each violation of consumer law yet to be determined committed by Huntington Bank. As fraud does not have a statute of limitations, this agreement is rendered null and void.
Product: Debt collection

I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt.

15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. 

By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back. 

please see the attached id theft report for more details. 

XXXX XXXX XXXXXXXX XXXXl {$170.00} XXXX XXXX {$29000.00} XXXX XXXX XXXX $ {$300.00} XXXX XXXX {$16000.00}
Product: Credit card or prepaid card

Very maliciously and intentionally, Citibank SearsCard arranged to have a secure message notification sent to me at the beginning of the XXXX XXXX Holiday Weekend. The notification was sent shortly before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The notification stated that it would expire on XXXX XXXX XX/XX/XXXX. First, it is unlikely that an employee created the message close to XXXX but someone in the corporate executive office purposely programmed the message only to be available during the national holiday period in RETALIATION for my previous complaints against Citibank SearsCard. Like so many other patriotic Americans, I celebrated and memorialized our dedicated veterans during XXXX XXXX, and, did not check my emails during this time. When I tried to access the secured message the day after XXXX XXXX it was gone. It is wrong for Citibank to allow only three days to access a message. Even more so restricting access only to a three-day national holiday. Even worse, is the anonymous, unnamed, cowardly employee retaliating against an XXXX who complains about Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Checking or savings account

I have attached a PDF file detailing the fraudulent history with specific dates and amounts as well as the numerous fraud reports opened with Chase and the specific police report file we have opened with the XXXX, TX Police Dept.
Product: Credit card

I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.
Product: Credit card or prepaid card

Enrolled into " Chase Interest Savings '' plan in XX/XX/2021. The installment agreement requires 9 monthly payment of {$1200.00} which includes {$39.00} monthly fees. To avoid additional interest I must pay this amount plus all current monthly charges so called " Interest Savings Balance '' amount each month on the statement. I h have been doing that since XX/XX/2021, the first monthly installment payment. 
On XX/XX/2021 statement I noticed that the amount of " Interest Savings balance '' which is the monthly payment of {$1200.00} plus current monthly charges was quite substantial. I contacted Chase customer service twice and the third time a manager explained to me. That is because all current monthly refunds and credits were not offset against current monthly charges. Instead, they were treated as additional payments toward the Chase Interest Savings plan. This is so wrong. Current refunds and credits should be deducted against current charges. The manager understood and promised to contact Chase department that deals with this. 
About a week later I received a letter stating that all payments and credits were applied properly. 
Obviously Chase would like to have the Interest Savings plan to be paid off earlier than agreed. For this I'd like some kind of explanation other than a short statement saying that payments and credits have been applied properly.
Product: Credit reporting or other personal consumer reports

Experian Last Date of Payment XX/XX/XXXX XXXX last date of payment XX/XX/XXXX XXXX Open Date XX/XX/XXXX Experian Balence {$0.00} XXXX Balence {$0.00} Experian Open Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened an account with VW Credit Inc on a XXXX XXXX XXXX  and in XX/XX/XXXXthe car was totaled in a hail storm. I purchased gap insurance through the XXXX dealership in case something like this happened. I filed my claim and the car was paid in full between the insurance company proceeds and the gap company ( XXXX ) payment. 

My account was statused as paid in full. Then on XX/XX/XXXX I received an alert from the 3 bureaus showing a new tradeline update on my credit report. I opened the notice and found that VW Credit Inc had updated my loan status from " Paid in Full '' to " Paid / Charge-Off ''. This statement basically shows as if I let my vehicle get repossessed and then I paid off the balance at a later date. This is completely false as I never made a late payment much less let the account charge-off. 

I contacted VW Credit Inc on XX/XX/XXXX and they stated they would correct the error and it would take about 30 days. On XX/XX/XXXX the account did update but nothing changed and still shows " Paid / Charge-Off ''. 

This erroneous data is having a negative impact on my credit score thus making the cost of new credit to increase.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I XXXX review to see if this is actually an inquiries that belongs to me
Product: Credit card

I have been getting emails from Chime at my work email ( XXXX ) for a few months I keep a very close eye on my credit reports and accounts and didn't notice anything so I kept ignoring the emails. 
Today I had more than 6 emails from them re : phone being updated, new login, account address being updated, me sending money, money being sent to me. 
I tried to call the support # XXXX and couldn't get past the prompts due to not having an account. I tried to email them at XXXX and received a generic response. 
I do not see this account in my credit report, BUT, don't want to take any chances and/or be surprised by something. 
Please advise what steps/actions need to be taken. 
Thank you
Product: Debt collection

This company has reported inaccurate information on my credit report. They bought my information from another company and they are trying to collect a debt they can't. I never had a contract with this company. They have also broken the law! 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and ability to obtain credit for personal and house purposes 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Amount charged to my credit card was greater than the posted amount for parking. I contacted the merchant twice, I did not hear back. I contacted Chase on XXXX, and they refused to credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with Equifax while it reports as a closed collection with the other bureaus. Also my Equifax report shows no collections but has this account listed under revolving accounts.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$320.00} Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$450.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$2000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$900.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$920.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$6100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$1200.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. 
Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after XXXX XXXX XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX