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

XXXX and Experian are violating my rights by reporting a debt that I do not owe!!!! They are violating 15 usc 1692g and 15 U.S. Code 1692j - Furnishing certain deceptive forms a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. According to this law XXXX XXXX XXXX is clearly creating a false impression that I owe a debt to them thats definitely not owed!!!! They are pretending to be collecting a debt on behalf of XXXX XXXX XXXX  which is not true! XXXX XXXX XXXX  has no interest in this debt, therefore by XXXX and Experian reporting this debt they are in violation of the law according to the FCRA and FDCPA!!!! It is clear that Experian and XXXX are in violation especially because XXXX has already removed the erroneous information from my file. They have done so because they know by reporting this unvalidated debt they would be violating the law which is punishable pursuant 15 usc 1692k in the amount of XXXX dollars per violation per day that they refuse to abide by the law!!!! Experian and XXXX are also violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! They have both failed to do so!!!!! Experian, XXXX XXXX XXXX, and XXXX are violating 15 usc 1692d ( 4 ). I have provided a letter from XXXX XXXX XXXX  saying that they have no ownership of this debt and have no financial interest in this debt! I have also provided my identification so that Experian and XXXX know that I submitted this complaint. I do not owe XXXX XXXX XXXX anything and this letter proves it!!! They are committing the crime according to the FTC called debt parking!!!! Ive also provided an example of what happened to another company that was in violation of the laws mentioned above!
Product: Vehicle loan or lease

So I was sent a instrument in the mail on XXXXOn The instrument there is a unconditional promise to pay fixed amount of money. Once I receive the instrument I endorsed it and sent it to the company by mail an fax. On the instrument I gave Pacific instructions the company dishonored the payment. And it was never sent back with verbiage of why they dishonored the payment and payment.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was locked out of my XXXX account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with XXXX in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, XXXX start charging an XXXX dollar fee which there was no option or ability to close account due to this fee
Product: Debt collection

medical bills of more than $ XXXX @ XXXX % ; my mail was not forwarded from an old address ; abusive call on XX/XX/XXXX from XXXX at XXXX XXXX, WA XXXX Very rude and threatening. 
I 've paid off all the debt, and need some form of written record of that. I requested this several times in XX/XX/XXXX, with no result. I have my CC receipts, but called them to request a record on XX/XX/XXXX " We ca n't do that '' After XXXX min. on the phone, they said it was going in the mail the next day, I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 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: Debt collection

My information was sold to the debt collector without my consent. The debt was reported as a lost to the IRS by the original creditor.
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. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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: Debt collection

I just had a debt collector take {$1300.00} out of my account without ever contacting me. This is for a collection that they took money out before about 7 months ago. After they took the first bit out without contacting me, my bank gave me their contact info to get more information on why they took everything in my account. They said they tried and tried to contact me, but never left me a voicemail. Since then I have picked my phone up for every call or if I didnt I always call back, even if they dont leave me a voicemail just in case this happens again. Also I have no idea why they took out {$1300.00} if they told me I owe {$1200.00}. So they took even more then what they said they were supposed to. Also after the first time I asked them if I could set up payments so I could resolve the issue they told me they would call me back to set up payments. After talking to them on the phone today they told me they dont do payments, but I found their website and found that they do. The guy I talked to was constantly lying to me. They will not provide a receipt or any other documentation when I have asked for it. I have contacted them multiple times about this issue over the span of 7 months and he has denied this.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Experian, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Experian has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Experian takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Someone has illegally access my credit report to access loans and other items with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to address a significant concern : I have been victimized by fraudulent activity. Under FCRA section 605B, Credit Reporting Agencies are obligated to delete any items listed on an identity theft report. For my situation, please refer to reference # XXXX, # XXXX, and # XXXX. Attached, you will find documents to aid in the removal of incorrect information and fraudulent inquiries from my reports. Below is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Let me repeat that per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within 4 business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for TD Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Notice To Update My Personal Information To Whom It May Concern : I am writing to update/correct my personal information on file with your company. As there are a series of inconsistent, inaccurate and false information showing based on my observation. 

Please update my ONLY address to : XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX REMOVE THIS NAME XXXX XXXX XXXX XXXX REMOVE this address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX REMOVE THIS EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is I do not wish to have employers listed on my report for my safety and privacy I do not wish to have any telephone numbers on my report. 

I do not have any other names or aliases and I do not desire any other names or aliases to be retained or reported on my credit profile. I do not have any other address or addresses associated with my name other than the address listed above. 
Please remove all the other addresses, names, social security numbers and phone numbers from my report, as they are not deliverable to me by the U.S. Post Office, or they are not associated with me and are not reportable as per FCRA, since they are inaccurate. Please send me my updated credit report showing these corrections made. Looking forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under what authority, statute, or law does Automobile Acceptance have to share and or furnish my non public, private, personal, identifiable financial information? Automobile Acceptance has been put on notice about sharing my private, personal, non-public identifying financial information, and transactions and experiences to third parties, which include but may not be limited all consumer reporting agencies. I was never received full disclosure regarding my option to opt of of my non public personal information being shared and that was my right. Automobile Acceptance assumed they had my consent and they did NOT! I have revoked, canceled, and rescinded all presumed consent retroactively to date. Automobile Acceptance referred to 15 U.S. Code 6802 section d, that states limitations of sharing the account number for marketing purposes. However, being that I was never given the option to opt out initially prior to my information being shared, that code does not even apply. Pursuant to 15 U.S. Code 6802b I was never given the opportunity to opt out of having my non public personal information shared with third party affiliates, or explained how I could exercise my right to the non-disclosure of my information being shared. I have a right to privacy and full disclosure, and I was not provided either with Automobile Acceptance. Automobile Acceptance also stated they have the right to report consumers account information, which is their non public personal information, but under whose AUTHORITY? Federal law states the rights of privacy I have as a consumer and federal law supersedes any policies Automobile Acceptance may have. This information that is being furnished to the consumer reporting agencies is harming and injuring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For You and TransUnion : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Product: Credit reporting or other personal consumer reports

I attempted over an 18 month to have items removed due to data breach. 

Dear Consumer Financial Protection Bureau ( CFPB ), My information was sold and bought illegally because I was a victim of the 'Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from+ my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have spent so much in resources, time and energy trying to get them this to rectify erroneous issues on credit report. Please assist me getting this resolved as it is impacting my financial well being. 

Thanks for your time and consideration in this matter. 

Many thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX XXXX XXXX  Filed XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My attached Experian report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to Experian. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by XXXX. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. Experian and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.
Product: Credit card

In XXXX of 2021 I purchased windows from Home Depot, and opened a Home Depot credit card which offered 24 month interest free financing. 
I originally decided on the grid style which cost {$11000.00}. A day later I changed the style to the no grid style which cost {$10000.00}, which is {$1300.00} less expensive. I was given a change order amendment form which documents this change along with the difference in price. 
When I received my first credit card bill, it showed my starting balance as {$12000.00} which is not the {$10000.00}. adjusted purchase price. 
I have called both the contractor, and XXXX credit services several times to not only correct the discrepancy, but to explain to me the charges, which they can not. They simply tell me what they see on the screen. 
They requested my proof of the change order amendment document which I faxed to them on XX/XX/2021 via a XXXX store. After no response, I contacted them again, and they said to wait and someone will be in touch. No one did. 
As the 0 % interest period was coming closer I wanted to transfer my remaining balance to a new card, so as to avoid the impending interest charge. But in doing so would mean paying off this incorrect balance which is obviously ridiculous. 
So after more attempts to resolve this matter, I am still to this day - stuck with a credit card balance that is incorrect, as well as an additional $ XXXX in interest that they are now charging because the 24 month interest free period has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are not valid and incorrect. Adversely affecting my health and not able to apply for other credit. 

XXXX XXXX XXXX - Acct # xxxxxxxxxxxx XXXX XXXX - Acct # xxxxxxxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED TO REQUEST MY XXXX  CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR EXPERIAN AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, XXXX BOTH XXXX  AND EXPERIAN, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are still on my credit report they will not take them off