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

XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/2024 Eastern Account Sytem I XXXX XXXX XXXX XXXX, CT XXXX Subject : Dispute of Information Under 15 U.S.C. 1681 Dear Eastern Account System I, I am writing to formally dispute the accuracy of the information furnished to you regarding my credit file. According to 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.I want to bring to your attention that I have never provided written consent for my information to be furnished to you or for you to obtain my information. This lack of consent raises serious concerns about the validity of the data reported and your compliance with the Fair Credit Reporting Act ( FCRA ) .Please consider this letter as my formal request for you to investigate this matter. I request that you provide me with documentation that confirms my consent for the reporting of my information. If you are unable to furnish such evidence, I ask that you promptly remove the disputed information from my credit report. I appreciate your prompt attention to this matter and look forward to your response within the timeframe specified by the FCRA.Thank you for your cooperation. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are all violating my rights, and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed that some accounts have late payments during a time spent in imprisonment, However I talked to these creditors below and I should not have any missed payments. 
Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date Open XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F ) Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Reinvestigate and update payment XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILURE TO FOLLOW STEPS IN DISPUTE TO AND UNABLE TO VERIFY Pursuant to 15 USC 1681i The term consumer reporting agency in the FCRA means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

I am the original creditor/consumer, and pursuant to 15 USC 1681b ( 2 ) - a consumer reporting agency can only report with the written consent of the consumer to whom it relates. Let me break this down. Only I the consumer have the choice of whether I want any of my information to be reported and shared as public information since I know reporting is actually optional, and I also possess the right to privacy. According to 15 USC 1681a ( 2 ) ( A ) ( i ), a report containing information solely from a transaction or experiences between the consumer and the person making the report shall be EXCLUDED from a consumer report. 

As a consumer I wish to keep my right to privacy private, meaning any information that came out of a private consumer credit transaction. 

According to the above definition of what a consumer reporting agency is, wouldnt it mean fraud on their part for participating in whole or in part in the practice of collecting my consumer credit information or other information on me the consumer for the purpose of providing that information to third parties without permission? Does this not sound like fraud? I did not give consent to TransUnion, nor do they have my authority to store or share my information with any pe

rson. 18 USC 1028A ( a ) ( 1 ) says whoever during and in relation to any felony violation, knowingly transfers, possesses, or uses without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced. 

I made my dispute to TransUnion which was delivered on XX/XX/2021 via certified mail return receipt. They have since fail to follow all the required procedures according to USC 1681i ( 2 ) ( A ) by not by not providing notification of the dispute as well as recording the current status of the dispute.

Promptly delete the items mentioned in the dispute along with the information pursuant to USC 1681i ( 5 ) ( A ) ( i ) and mail me an updated copy to my address.
Product: Money transfer, virtual currency, or money service

PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX this is the case YOU closed! It is NOT closed - if you are not for the consumer then close your business down. I will notify Governor XXXX of your illegal practices This company has violated the Fair Debt Collection practices Act according to XXXX XXXX. Statue of limitations in Pennsylvania is 4 years and this is over 4 years Company did NOT supply all the info needed- my attorney states it does not have my phone number, ssi or item bought. This account was sold in 2015. Tgat is over the statue of limitations. Either your office helps me or I will report it to Governor XXXX and XXXX XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Debt collection

Thank you for your response and the information provided regarding the XXXX account ending in XXXX. 

However, I never received the initial notification letter that was allegedly sent on or about XX/XX/2024. I am requesting a copy of the contract with my handwritten signature for verification purposes. Since the account details refer to my social security number, I am exercising my right to verify the authenticity of this account. A contract bearing my handwritten signature would be the clearest form of verification. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent XXXX  XXXX  a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX vs. XXXX ( MO ) XXXX XXXX XXXX, XXXX XXXX presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Product: Checking or savings account

On Saturday XX/XX/2020 I had receive a phone call from the bank about a transaction at XXXX. Someone took XXXX out my account. I called the bank back and informed them that it was not me I was out of town that day so they mailed me a new card in the mail. On Sunday XXXX XXXX I seen that another XXXX was withdrawn I was still out of town I called the bank filed another claim. I got a respond to my claim when I had called the bank a few days later they stated that they denied the claim. I asked what reason they told me video footage. I ask the how can that be when I was out of town. They told me I can file a rebuttal. So I sent flight information as well as my photo ID they denied the rebuttals due to inconsistency. I asked them what inconsistency where there. No one could provide me with a answer. And they stated there is nothing else I could do.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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

This is a very simple complaint. I disputed an account with the three major credit bureaus that was incorrect. XXXX XXXX XXXX  XXXX. I did so on XX/XX/19. It was incorrectly reporting me as 30 days late. XXXX and XXXX XXXX corrected the information almost immediately. Equifax did not. They claimed the 30 day late payment was verified. 

I then re-submitted another dispute on XX/XX/19 to Equifax for the same reason. That dispute came back as the account being verified as well. Because Equifax is refusing to correct the late payment, my credit is being jeopardized and preventing me from obtaining credit since the late payment is within the last 6 months. 

I need Equifax to correct the late payment on XXXX XXXX XXXX XXXX. The other 2 bureaus corrected it as it was unverifiable or incorrect so why is Equifax claiming it is legitimate?
Product: Credit reporting or other personal consumer reports

XXXX XXXX who identifies themselves as a debt collector, are claiming that they lent money in XXXX and are asserting themselves to be a financial institution. Based on 15 U.S. Code 6801 which states it is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, therefore, it is my right to protect my private information from being shared. 15 U.S. Code 1681 section XXXX a section XXXX states in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Several requests were made in XXXX, attempting to establish whether XXXX XXXX lent money. Instead, the information they provided seems to show that they committed fraud, as well as violations against the Fair Credit Reporting Act, FDCPA, possible mail fraud and Privacy Act of XXXX. They continuously post notices on the real property 's door when nobody is there, Disturbing the Peace and security of the gated community. Additionally, I gave no authorization to XXXX XXXX, its successor, predecessors or subsidiaries to furnish my private information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Name : WESTLAKE FIN Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,
Product: Credit reporting or other personal consumer reports

XXXX and or XXXX XXXX has not only reported my credit history incorrectly but has showed my credit to restart. Also XXXX XXXX had shared my information Name, DOB, Social Security number, banking information. Truist RAC does not care what they do to you. I have been fighting for this company to show my credit correctly for Years and have only received back letters that mean absolutely nothing that you dispute. No such thing as Customer Support with XXXX XXXX the employees will lie through their teeth and actually want you to pay to get a lawyer to go against them and act like there is nothing they can do to help. Do not trust this company.
Product: Debt collection

I have filed a complaint against XXXX based on the fact they are violating my HIPPA AND FCRA rights by placing these unverifiable bills on my credit report and experian is also violating my rights by allowing them to verify debts that this company doesnt actually have the necessary documentation that they need to comply with fcra at all they have no right to access my ssn which is need to verify any collection they also do not have a contract agreement with me and their company or me and the alleged hospital they dont even know whats the reason of debt if any and yet experian is not helping the consumer they are instead helping the collector which is not what they are supposed to do how can they verify one collection but not the other that is impossible all accounts must be removed and remain removed
Product: Debt collection

So I received a bill from XXXX XXXX, Ive never had an account with XXXX someone got ahold of my first and last name along with my address and bank information and has accumulated chargers over {$2000.00}. I just found this out today XX/XX/2024. I do not plan on paying for this I want action taken and I want to find out who got ahold of my information, I cant even find a phone number listed on the letter just my personal information. Please reach out ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/24 Re : Ally Financial Account To whom it XXXX concern, I am writing in response to your recent communication dated XX/XX/24 regarding the validation of the debt related to the repossession of my XXXX XXXX. While I acknowledge your response, I am still disputing the validity of the debt and require further clarification on the following points : 1. Proof of Sale and Deficiency Balance : Please provide documentation of the sale of the repossessed vehicle, including the date, time, and location of the sale. Additionally, I request a detailed breakdown of how the deficiency balance was calculated after the sale, including all fees, charges, and any proceeds from the sale that were applied to the balance.

2. Proof of Proper Notice : Please provide evidence that I was properly notified of my right to redeem the vehicle before the repossession and proof that I was given proper notice of the sale in compliance with state and federal law.

3. Chain of Custody : I request documentation proving that the repossession and sale were conducted by authorized parties, including the name and contact information of the repossession agency and any third parties involved in the sale.

4. Contract and Payment History : Please provide a copy of the original loan or lease agreement that I signed, as well as a complete payment history, including all payments made, interest, fees, and penalties that led to the repossession.

5. Compliance with State Laws : Please provide evidence that the repossession was conducted in accordance with the repossession laws in GA. This should include proof that the repossession agent followed the legal requirements for repossessing the vehicle.

Also, please include : Proof of how the deficiency balance was calculated after the sale of the repossessed vehicle.

Evidence that the repossession and sale were legally conducted and that you were properly notified.

Copies of your original contract and payment history.

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive clear and accurate validation of the debt. If the debt remains in dispute, I request that you cease any further collection activities, including reporting to credit bureaus, until all requested documentation is provided and reviewed.

Please respond to my request within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FDCPA, and I will take appropriate legal action. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. 

One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. 
I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.
Product: Debt collection

XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my LexisNexis consumer report on XXXX XXXX. Upon reviewing my 60 page report I noticed the Entire report was full of many serious reporting in errors/ inaccurate information that didn't belong to me. On XX/XX/XXXX I sent a Certified letter to Lexis Nexis requesting for an investigation and to send me a copy of my correct consumer file. I never received any follow up on the incorrect file I received on XX/XX/XXXX.