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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report today. XXXX a collection agency is reappearing after account was removed from my credit report due to unverifiable information, previously. As of today, XX/XX/2020, the account has reappeared. I have disputed with the credit bureau again today. This has and is hurting my credit, if this continues to happen.
Product: Debt collection

XX/XX/2017 I disputed this account. I am exercising my right to question the validity of this debt they claim I owe. According to Section 609 of the FCRA you have to provide proper documentation with an original signed contract with my signature. Experian provide me with your method of investigation on how you reached out to XXXX account # XXXX .... and provide me every detail on how they proved or sent you original signed contracts. Sending number codes or one statement is not proper documentation.
Product: Debt collection

I owned a debt with XXXX XXXX XXXX  over 10 years old. I was informed they would take my money from a bank account. I tried to settle with them TrueAccord. My bank warned me of fraud, They would not allow payment. I told them this was fraud, Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Acct 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 a account without my written instructions. 

Also according to 15 USC 1681i, TransUnion shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have have verified it as accurate according to their reinvestigation but yet have an account with no account number. Evidence provided below with violation
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I disputed the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801. It states, " It is the policy of the Congress 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 nonpublic personal information. '' The furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " 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. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. 
The financial institution and the consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, or the furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 
Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler Capital is still reporting erroneously on my credit file. They have removed a few lattes but I need them all to be removed. These late 's were their fault. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the late 's reported. I called back XXXX  to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the late 's. The late 's are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the late 's. I was not late, the company promised to remove the late 's and I need them removed. This is taking too much of my time, money, and energy to get sorted out though it is THEIR FAULT. I need these late 's removed. I did everything right on my end and they messed up but not having me sign the contract. I have tried numerous times to get the late 's removed but they will not although they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

JP Morgan Chase has been reporting a fraud account on my credit report for years now. I have supplied a police report, ID Theft report, etc. They refuse to remove it. I even tried to pay this fraud off to get it off my report, and I was told by Chase to do so I have to send a letter in saying this is my debt. They want me to lie and say this is mine when its not to pay this off. I want this removed from my credit report!
Product: Debt collection

XXXX    XXXX    XXXX  has been harassing my inlaws trying to get a hold of me multiple times per day. Someone came to their house with a brief case trying to look for me. They are establish as  XXXX    XXXX    XXXX , inc but they claim to be ligitation lawyers which is not true on their website since they are only a collection company. If yo u google it  there is a  XXXX   XXXX   XXXX   XXXX  lawyers in  XXXX  but not in New York where they claim to be and when I search the phone number it leads to the collection agency in New York. This company harasses and confuses consumers with their tactics about them being lawyers and the way they pretend they are the last step before a civil claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account XXXX XXXX XXXX  XXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX     I went to  XXXX  and attempted to view my free credit reports. I was only able to view my   XXXX   report.  <P/> Experian gave me an unintelligible error.  <P/>  XXXX  said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for me.
Product: Debt collection

Credit Acceptance- The vehicle was purchased in late XXXX for {$9000.00}, to accommodate my XXXX  / XXXX needs at that time. Within a 6-month period I experienced multiple electrical malfunctions which were reported to the dealership. Company refused to repair any damages and malfunctions ; these issues resulted in a fire starting under the dashboard. At that time, I chose to tow the vehicle back to the dealership which resulted in a Voluntary Repossession In XXXX, I reached out to Credit Acceptance was redirected to XXXX XXXX XXXX XXXX XXXX - a statement agreement {$6900.00} was made nut not yet collected on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a 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.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVIDXXXX19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX TRANS UNION - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX account # XXXX  Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, 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. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.
Product: Checking or savings account

I lost my job while residing ina hotel XX/XX/2025 I realized my bank account was overdrafted {$50.00} I contacted USAA to find out what was going on which I was advised at that time that USAA use their discresion on which bills to pay or not pay. I responded with " When does USAA use their discresion to stop allowing payments '' My account ended up being - {$75.00} which I called in to address this matter and was advised off the same thing the previous rep advised me of, next thing I know my account is negative {$160.00} and change from reoccurring debit card charges not even via my checking account. Now I am upset and I call back again for the rep to repeat what I have heard 3 times prior which again I asked when does it stop?? I am unemployed where is the money going to come from to satisfy the negative balance. The rep finally put a stop to the overdraft protection that I never even put on the account in the first place USAA used their discresion to add the overdraft protection that was on my account. This is not the first time either my account was overdraw {$170.00} previously that I myself had to pay off and everytime I would complain not one person said I could take it off. I have my federal income tax going to this account which is now closed. I need assistance this is not right
Product: Debt collection

They keep calling my girlfriend, after i already provide them my main number where they can clearly let me a voice mail or anything so they continue harassing me for a payment that already have made and delivery to them as requested.
Product: Debt collection

Debt Recovery Solutions , LLC has been attempting to collect a debt attributed to me in the amount of {$2000.00} and they have been reporting a collection to the major credit bureaus significantly affecting my credit history. Using consumer protection laws, I ask that remove collection reports immediately if do not have sufficient evidence of my liability for a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my attempts, Experian has not responded to my request, and the following discrepancy remains unresolved. I kindly request your assistance in rectifying this issue and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian has reported that my account with XXXX XXXX ( Account Number : XXXX, Date opened XX/XX/XXXX, Balance {$27000.00} ) was never late. However, I want to clarify that this account does not belong to me, and I request that Experian corrects this inaccurate information on my credit report. 

As a consumer, I believe Experian has an obligation to respect federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). In accordance with the FCRA, I kindly request that Experian promptly verifies the accuracy of the disputed account and provides me with a written response detailing the actions taken to resolve this matter.
Product: Debt collection

XXXX XXXX sold the contract to XXXX XXXX XXXX after they take over transition the system never work properly again after multiple attempt they never fix the problem XXXX XXXX fail to provide me a safety service my alarm when off and did not transmit called XXXX  to informed and they never was able to fix the Problem forcing me to go to a different company my last balance was about XXXX dollars they continue charging with out providing a service now they are attempting to collect {$1000.00} dollars debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with Transunion, XXXX and XXXX in the amount of {$0.00}, which dates disputed with Transunion were XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. Transunion, XXXX and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. Transunion advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and was told to often check my credit report and report anything I dont recognize or did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is Reporting on my credit report false and miss leading and Fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.