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

To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Transunion, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the companies listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institutions mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, 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 promptly delete that item of information from the file of the consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.
Product: Debt collection

I submitted a dispute for LOCKHART , MORRIS & MONT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with a XXXX and XXXX XXXX. They informed me that XXXX XXXX XXXX bought this account from XXXX XXXX XXXX and the parent company XXXX XXXX handed this over to Lockhart , Morris & Mont. I asked about this alleged debt first and got no where with XXXX. XXXX was also adamant about sharing information although he told me on a recording line that he could access a detailed statement for my alleged medical visit in XXXX. I have never visited a hospital by the name of XXXXXXXX XXXX XXXX. I even called my local hospital to ask them on XX/XX/2023 and they knew nothing about this. 

I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would also like to see the bill of sale and documentation where I have given consent for this company and XXXX of family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian on XX/XX/XXXX, notifying me of a hard inquiry from XXXX XXXX, which resulted in a credit score drop of nine points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I contacted XXXX XXXX from the number listed for them on my Experian credit report ( XXXX ), and spoke with three different people for a total of XXXX minutes ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with Experian to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX  ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like XXXX XXXX to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted Experian to file a dispute and spoke with two different people for a total of XXXX minutes ( the majority of those minutes also spent on hold ), but was told because XXXX XXXX did this in error, there was nothing they could do, and I had to contact XXXX XXXX to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.
Product: Credit reporting or other personal consumer reports

We're required by FCRA 605B to delete any incorrect accounts from my credit report. Can you please examine the paperwork? Certain accounts listed are inaccurate in their reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX and Experian a collection/charge-off in the amount of {$7100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle I purchased had to be brought back to the dealership for repairs. Shortly thereafter the engine of the vehicle blew out. I told the dealership that I would not pay for the previous repairs until they fixed the engine as well. Until the vehicle was repaired I was told I did not have to make any payments. After ( 2 ) missed payments they took the car back. I later learned they sold the vehicle. I have attached a copy of the Bill-of-Sale. I no longer own the vehicle and I no longer have any financial responsibilities to the vehicle. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am being denied of disputing inaccurate information on my credit reports. ( 623 dispute leters ) Instead the credit bureaus are sending me a letter back telling me to go online and which i have online acounts i have always used and are currently using and they are denying my rights to dispute online and on the phone they are sending me to tect maessages with same information as in the letters they are sending back to me after i mail in first class and certified letters to these credit bureaus. They are in violations of m y rights as a consumer. They are making up this stuff saying that it appears yo not be me trying to correct my credit report with my identi documents attached. 
Under The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C1681. This information and process needs to be processed accordingly. Please Assist me.
Product: Vehicle loan or lease

My car was taking from me when I was at work back in XXXX and they did not allow me to get my stuff out and even my kids stuff was in it and they would not work with me on my payments and I didnt even have the car a year before they took it away from me and I am not sure if they sold it yes cause they sent me a letter once before and said I would have to pay any extra if it wasnt sold for the amount I had on it and I still have not heard anything from them since and my mother in law was on the loan with me and she passed away last year and they still try and charge her too please help me find out what is going on
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2. XX/XX/XXXX 3. XXXX 4. XXXX 5. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency get together and research the information once one disputes. XXXX claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. XXXX claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. XXXX claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because I have tried to rectify this erroneous account with XXXX several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete.
Thank you
Product: Debt collection

On XX/XX/XXXX I enrolled in a debt consolidation company. American Express called on XX/XX/XXXX to tell me I had missed a payment. I gave them the information of the company I was working with for the debt consolidation and to send further correspondence to that company. They called again on XX/XX/XXXX. During this phone call I told them to stop calling me or I would report them to the FTC and again gave them the debt consolidation company 's information. American Express then called again today XX/XX/XXXX and I told them to stop contacting me. The current account balance is {$2400.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to request an update to my credit report, as the latest version does not reflect my Equifax ( XXXX ) and XXXX ( XXXX ) XXXXICO Scores. I believe this may be due to a delay or oversight in the reporting process.
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. These account has violated my rights XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert, deletion and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX