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

On XX/XX/2024, I sent a debt validation request to XXXX XXXX XXXX via USPS Priority Mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) concerning an account ending in XXXX XXXX originally from XXXXXXXX XXXX, with a balance of {$37000.00}. 

As required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXXXXXX was supposed to provide validation of the debt within 30 days. They have not responded to my request. 

I am now requesting the removal of this debt from my credit report under 15 U.S.C. 1692g ( b ), which mandates that a debt collector must cease collection efforts, including reporting to credit bureaus until the debt is validated.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear TD Auto Finance, I am writing to address a concerning matter regarding an inquiry reported by TD Auto Finance, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for TD Auto Finance to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying TD Auto Finance to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that XXXX XXXX neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to TD Auto Finance. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

NO PROOF OF INVESTIGATION ON XX/XX/XXXX TRANSUNION RESPONSE WAS VERIFIED FOR ACCOUNT : XXXX XXXX XXXX XXXX REPORTING LATE XXXX XXXX XXXX. 
( PLEASE PROVIDE PROOF FROM YOUR INVESTIGATION WITH THE 3 DISCLOSURE FORMS THAT ALL INSTITUTIONS MUST PROVIDE CREDIT REPORTING AGENCIES BEFORE REPORTING INFORMATION ON CREDIT REPORT ) DUE TO INFORMATION BEING VERIFIED : PLEASE PROVIDE PROOF OF THE DISCLOSURE FORMS STATING THAT I GAVE PERMISSION AND CONSENT FOR MY PERSONAL INFORMATION TO BE REPORTED TO A 3RD PARTY AND CREDIT REPORTING AGENCIES. 

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15usc 6801 Protection of Non- Public Information.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party.

2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party.

3. The financial institution giving me an explanation how to exercise the non-disclosure options.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. 
AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE ACDV AUTOMATED CONSUMER DISPUTE VERIFICATION FORM RECEIVED FROM THE CREDITOR IS NOT REPORTING ACCURATE INFORMATION. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.
Product: Debt collection

In XX/XX/2024, I moved out of an apartment at XXXX XXXX XXXX XXXX I had paid all my dues and had a balance of {$0.00}. Several months later, in XX/XX/2024, I received a bill and call from FAIR COLLECTIONS & OUTSOURCING, INC stating I had owed {$650.00}. I reviewed these charges, which were mostly for renovations to the apartment. XXXX XXXX XXXX XXXX never once tried to contact me after I had moved out through phone, mail, or email about these charges. Instead they just put them under my name and account and they eventually got sent to FAIR COLLECTIONS & OUTSOURCING , INC . So at this point, I filed a dispute with FAIR COLLECTIONS & OUTSOURCING , INC . I requested photos and evidence that these renovations were needed and damage was caused by me. I also requested evidence that XXXX XXXX XXXX XXXX had notified me of these charges through mail, phone, or email. I let FAIR COLLECTIONS & OUTSOURCING, INC do their investigation, during which I never heard back from or got an update. They never provided the evidence I requested. Instead, they decided to report my debt to my credit without resolving or closing the dispute with my knowing. They never provided me with the opportunity to pay the debt after the dispute so it wouldn't affect my credit. The only way I found out was seeing my credit score drop over XXXX points! I had a credit of over XXXX at the time, as I am very timely in paying everything but due to bad practices by both FAIR COLLECTIONS & OUTSOURCING, INC and XXXX XXXX XXXX XXXX, I was extremely penalized without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I completed an online registration to create an myEquifax account. During this process, I was presented with a Consumer Privacy Notice at XXXX XXXX XXXX, which I understand to be in compliance with the Gramm-Leach-Bliley Act ( GLBA ). 

The privacy notice suggests that I call XXXX at the specified hours, which I did at approximately XXXX XXXX. ET. The menu options were not straightforward, and after a few seconds, I was connected with an agent who did not appear to understand my requests. I was very clear in stating that I wished to limit the sharing of my personal information in accordance with a consumer privacy notice that I received. At first, the agent thought I wished to place a credit freeze ; after a few minutes ' hold, he returned and directed me to XXXX to opt-out of pre-screened offers. Neither were conductive to my request. 

The notice also states that I may limit Equifax 's sharing by : Visit us online : XXXX XXXX XXXX  and select Customer Service ''. I visited the link, which presented me with an FAQ page that did not have such an option. I also tried the " Contact Customer Care Representative '' link in the footer of the website, which sent to me another FAQ webpage that listed phone numbers for various issues, none of which appeared pertinent. I also logged into the customer dashboard portal of the myEquifax account and clicked on the " Support '' link, which again lead me to the FAQ page.

As there does not seem to be any way to limit this information sharing despite the consumer privacy notice 's suggestions, I am filing this complaint that Equifax is in violation of federal law.
Product: Credit reporting or other personal consumer reports

I changed my phone number early 2023. Since then, I have been unable to access my online accounts through XXXX, XXXX, and Experian. The issue is, when I attempt to work on this issue I go in circles. Today I spent 2.5 hours attempting to fix this problem with all three reporting agencies. 

XXXX : I got someone on the phone from XXXX. He helped me unlock my credit so I could apply for a car loan. He identified that there may be an issue with some information on my account. I asked to be sent to fraud reporting and he argued with me and told me to file online. I explained to him that I can not do that because I changed my phone number and lost access. He gave me an email to use to change that information in which they respond to me within 4-5 business days. 

XXXX : Could not get through to a person. The automatic system hung up on me XXXX times and I gave up. I found an email and I sent a message on the XXXX XXXX. 

Experian : Same issue. Could not get through to a person due to long hold times. Sent a message through email and XXXX. 

It is not so far fetched that someone might change an email or a phone number or in my case both. I had someone who was contacting me that I had told to stay away. That person refused and I changed my number and deleted the email they had for me. So my gmail account got deleted and my phone number changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX  XXXX  XXXX {$93.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX  XXXX {$8500.00}
Product: Credit reporting or other personal consumer reports

Remove these inquiries immediately. I have no information about them, and the company acted without my approval.
Product: Vehicle loan or lease

Good Morning, I am reaching out due to credit acceptance has continually decided to charge me after my vehicle was totaled out by insurance on XXXX XXXX and I still pay a monthly payment of XXXX to credit acceptance and I also have XXXX XXXX with XXXX XXXX. My insurance paid out XXXX by XXXX XXXX and my XXXX XXXX is supposed to cover the rest of the balance of the loan. My balance before insurance paid out was {$18000.00}, my insurance paid {$12000.00}. XXXX XXXX said I had a balance of {$570.00} for a car payment that was late which is not true I paid my car payment on time every month, no problems nor hesitation. My XXXX XXXX only paid {$4400.00}, which leaves a payout of {$16000.00} to credit acceptance and leaves a balance of {$1200.00}. Which I should not owe, I have asked for the XXXX policy in full which they will not provide, and they are adding on fees each month saying I owe interest and now they say I have a balance of {$9000.00} still left and owed on the vehicle. How is that possible when I have XXXX XXXX which was stated to me at the time of purchase at XXXX XXXX on XXXX that if I were involved in car accident whatever my insurance does not cover, my XXXX XXXX would and that is not true with credit acceptance. I have a payment now due of {$420.00} and payment {$560.00} due by XX/XX/2024, and they are threatening me to send me to collections and prevent me from financing another vehicle when I should not have a balance. Credit acceptance keeps adding fees and late charges when I continue to pay and say I am going to continue to pay interest if I don't pay the full {$9000.00} by a certain date. That is not fair nor right to do a faithful paying customer that way. Then threatening me to pay is not necessary I have asked for documents and all receipts they will not provide ; I have asked multiple times. They ignore my request and continue to charge me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

please note Bank of America and XXXX XXXX reported a 30 day late on my credit. This is a mistake and should be corrected. 
I was XXXX XXXX  when the late was incurred due to a baking error. 
Please see attached notorized letter and my XXXX XXXX credentials.
Product: Debt collection

I began receiving calls from XXXX XXXX in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with XXXX XXXX XXXX for {$2200.00}. It seems that somehow my name became associated with a debt that PayPal sold it to XXXX XXXX XXXX even though I haven't used PayPal since XXXX. According to one representative at XXXX XXXX XXXX, the statements that PayPal was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid PayPal charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used PayPal since that time. 

Additionally, I never received an debt validation letter from XXXX XXXX XXXX, otherwise I would have been quicker to point out that this debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS AND FRAUDULENT INQUIRIES ON MY REPORT. I DON'T RECOGNIZE THESE ACCOUNTS AND I DID NOT AUTHORIZE THEM. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORTS, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX are to be blocked and cease to be reporting on my consumer file
Product: Credit card or prepaid card

On XX/XX/2022, I called Discover Credit Card services to inform the company a credit card was sent to me that I did not apply for. When I provided the last four digits of my social security number and birthdate, the representative informed me that my birthdate did not match the application. She then informed me that the account was closed due to fraud and it was noted to forward my calls to a specific representative assigned to my case.
Product: Credit card

I have 5 credit cards used monthly and paid by US mail monthly. XXXX with XXXX, XXXX thru XXXX and one a Costco Citi card. Over the past year twice CITI claims they have not received payment. No issues ever reported with the other 4 cards. I have no reason to believe it's the post office. The last time this occurred eventually it was resolved after the due date. I mail all invoices 9 or 10 days before the due date. I think Citi is at fault and I think they have been dirty ever since XXXX XXXX ran the company. Currently my Citi card is delinquent, even though I show it mailed XX/XX/XXXX or XXXX. Check has never been posted as paid by my bank. I think they are punishing users who still pay thru the mail and not digitally, looking for any discrepancy to cause late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX that was not authorized.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my credit report by collection company XXXX XXXX XXXX XXXX for original creditor XXXX XXXX. This should be listed on my credit report as my XXXX XXXX account was resolved directly with XXXX and I've never made contact with XXXX XXXX XXXX. My account with XXXX was paid in full with XXXX on XX/XX/2022 in the amount of {$310.00}. I submitted disputes to credit bureaus XXXX, Equifax, and XXXX. All disputes came back with the result of the debt being verified though I received no additional information. I'm not sure how the debt came back as verified when as stated, my XXXX account was paid and resolved directly with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are showing my credit score as XXXX, when it should be the same as XXXX  at XXXX. My personal info has been breached with Equifax and I have attached a copy of the claim. It appears to be a clerical error as my credit reports are identical with XXXX. The score with Equifax is erroneous without explanation.
Product: Credit reporting or other personal consumer reports

Cant place an on-line freeze and call center agents do not pickup in timely fashion ( every 10 seconds a recording says all of our agents are busy. We apologize for the delay. Please continue to hold ). After 10 minutes you have no choice but to either XXXX  listening to this recording or hang up in frustration. How about implementing the call you back when its your turn in line or you are at position 12. Has to be better customer service strategy.