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

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It XXXX Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX Acct : XXXX Late Payments : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I HAVE BEEN VIOLATED. THIS IS A CLEAR VIOLATION OF MY CONSUMER RIGHTS. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

This is a clear violation of my consumer rights and under law you have a responsibility of ; 15 U.S. Code 1681b - Permissible purposes 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 instruction of furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 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 tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; by definition consumer report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

consumer : ( c ) The term consumer means an individual. 

person : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

In conclusion, I have provided you with the law which prohibits XXXX XXXX from inaccurate reporting of the listed account. You have now been put on notice that you are reporting inaccurate information. The information and account is, in fact, inaccurate. 

By the provisions of the Fair Credit Reporting Act, Please remove ALL LATE PAYMENTS FROM MY XXXX XXXX ACCOUNT. 

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

Pursuant to 15 USC 1692a ( XXXX ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you can't choose both. TransUnion LLC Consumer Dispute Center is basically making it an obligation for me to pay on adebt without my direct consent. I XXXX XXXX the consumer never gave TransUnion LLC Consumer Dispute Center any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

I am contacting you to address fraudulent items that still appear on my credit report. Although I appreciate that some items have already been successfully removed, there are still some fraudulent entries listed by Equifax Credit Bureau. I urgently request your assistance in removing the remaining fraudulent items noted below from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. US DEPT ED XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX. XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with GM FINANCIAL. I have always made my payments on time yet there was a XXXXdays late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I have recently been made aware that I have been involved in a scam where funds were sent from my Venmo account to an unknown entity. I was mailed a check for a requested service from an unknown contact through email inquiring about a potential private business opportunity. I sent an invoice for the deposit of private chef service {$640.00} and was asked to pay the chauffeur company on their behalf while vacationing in my city. I deposited the check XX/XX/XXXX First Horizon XXXX poplar XXXX, TN and requested the bank to verify the check {$4200.00}. The confirmed on XX/XX/XXXX the check was cleared. I and was informed to send {$3200.00} deposit to the chauffeur through Venmo XX/XX/XXXX. I received notice from the my bank XX/XX/XXXX the check for {$4200.00} was now declined and was a duplicate check number. This is a scam and the contact was not legitimate. The transfer of {$3200.00} was made on XX/XX/XXXX to a venmo account using the user ID of @ XXXX. I filed a police report with XXXX XXXX Department. I would like to know what the process is for having the funds returned and what kind of investigation can be done regarding this situation. I look forward to hearing back from someone soon.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by XXXX and Experian but is listed as " {$4700.00} '' by XXXX, leading to discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by XXXX and Experian, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by XXXX but " XX/XX/year> '' by Experian, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, Experian and XXXX report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while XXXX does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXXXXXX XXXX XXXX XXXX XXXX. '' XXXX provides no comments at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Product: Credit reporting or other personal consumer reports

Request for Deletion of Collection Accounts I am writing to you regarding the collection accounts associated with XXXX XXXX XXXX and the original creditors XXXX XXXX and XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has reported these accounts to credit reporting agencies without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The details of the accounts are as follows : XXXX. Account # XXXX XXXX. Account # XXXX The violations are as follows : XXXX. XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ). 

XXXX. Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX. XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ). 

XXXX. Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection accounts from my credit report. 

Please confirm in writing once these deletions have been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action.
Product: Debt collection

I have a motor vehicle ticket that is being collected by Professional Account Management LLC ( Telephone XXXX ) I was advised over the phone of their dispute process and was told that the resolution period for disputes is 60-90 days. When asked if the dispute process could be seen in writing, I was advised that I would have to send a letter asking for written verification of the process. However, that process would also take 60-90 days. 

The company has no written statement available to consumers to understand the dispute process and what type of supporting documents are required for generating a dispute. This leaves consumers at a disadvantage when trying to initiate such disputes and find a resolution within a timely manner.
Product: Debt collection

I do not have an account with PORTFOLIO RECOVERY, the original debt was a secure credit card and paid, yet they continue to put the debt of {$480.00} on my credit report. They removed it once and then added it again.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Number : ** XXXX
Product: Consumer Loan

Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received a letter from NCB Management Services , Inc stating that my personal information has been affected and compromised. NCB claim on XX/XX/2023, NCB discovered that an unauthorized party gained access to NCB 's systems on XX/XX/2023. After a thorough investigation, on XX/XX/2023, NCB confirmed that MY information was accessed by the unauthorized party. NCB claims that the unauthorized party no longer has access to my information. I'm highly upset as I was never aware of this company until they sent me a letter. How did this company NCB get my personal information? I never had an account with this company nor did this company have a permissible purpose to access any information about me.
Product: Credit reporting or other personal consumer reports

Good afternoon, I request XXXX, Equifax and XXXX  to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for XXXX they delete the mortgage account at all and never receive an explanation for this.
Product: Debt collection

XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}.
The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs.
The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX.
The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed.
I disputed the account with my credit reports, however, XXXX  verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have 3 negative accounts remaining on my credit report from Chase Bank from 7 years ago as a result of identity theft and fraud by a former business partner. I have disputed several times and they refuse to remove. Statute states that after 7 years they can no longer be shown on credit report. I am sincerely asking that these accounts be removed from my credit report as I have worked so hard to start fresh and improve my overall credit and they continue to try and keep me down. I also have police reports and court documents that explain I am not responsible for these accounts which I have submitted several times but they do not honor. Every other bank has honored them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, Transunion and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an XXXX park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay I sent in a FTC report to experian because I had a couple of fraudulent accounts reporting on my credit report that I wasnt familiar with so. I sent them the FTC report they received it they removed one account which was XXXX that was on the ftc report but the other 3 accounts thats on the FTC report they said they couldnt block those accounts. They didnt even give me a reason why they couldnt remove it I thought maybe if I provide proof which is the FTC report they will remove it. I didnt have any other problems with the the others credit bureaus I spoke with a representative and I said it against the law to have something on my credit report that aint mines She said they dont have to provide me with any information that the creditors provide them with. I asked can I get a documentation Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. The representative told me they dont have any accurate documentation about those accounts thats reporting. I need to ask the creditors. So I said Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this request then you must remove these accounts from my credit report. 
The representative at experian told me they cant do that I tried to reach a XXXX  they want let me talk to nobody at all Im very disappointed these account I ask to be removed are 1. XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX so basically experian going again my word over creditors
Product: Debt collection

National credit system states that i owe them {$2700.00}. I do not owe this company anything I'm not responsible for this account nor did i damage anything in that home. This company has been very rude and nasty. Steady harassing and sending letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30+ years never a late payment, never deragatory, perfect credit. But, because I don't own a home I am penalized with an average rating very disturbing system. 

XXXX XXXX XXXX in XXXX XXXX falsely reported a derogatory delinquency to Transunion in XX/XX/2019. Transunion and FICO scores immediately dropped to bad credit rating. XXXX XXXX and XXXX received the bad credit scores and replied to me all my credit available was removed. A Platinum card with $  XXXX credit was reduced to the currently owed balance of {$3400.00}. All credit cards are now declining any transactions. XXXX has attempted to correct from their end but it has not corrected the situation. I submitted disputes with Transunion who has not corrected the problem. Now we will watch this case get worse. Once XXXX XXXX and XXXX stripped all credit availability from the cards this means the only way to increase the credit lines is resubmitting so these are now reported on my credit rating. As you aware these recent reports drop the credit score further damaging my financial life. 

THE CURRENT CREDIT REPORT AND SCORE ARE FALSE AND DO NOT REFLECT ME OR MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX -Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX