davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC (SD)

Jared the Galleria of Jewelry ( acct # XXXX ) Case Number XXXX Subject : Request to Cease Unauthorized Use of Personal Information and Corrective Action : To Whom it may Concern I am writing to express my serious concerns regarding the unauthorized use and defamation of Character of my personal information by XXXX XXXX Bank and an entity named XXXX. I have never conducted any business with XXXX, and it has come to my attention that my personal data, including my name, personal and private address, and other sensitive information, has been used and potentially shared without my consent. 
Furthermore, there have been insinuations of theft associated with my information, which is both distressing and unfounded. This unauthorized use and defamation of my personal data is a clear violation of applicable privacy laws and regulations, including the Federal Trade Commission Act ( FTCA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 
As a result, I have suffered defamation of my character, which includes damaging my good reputation and my ability to conduct daily business. This has ultimately caused a scandal, malicious smearing, false reporting, and insults to my reputation. The impact on my ability to work has caused incredible harm and mental anguish, violating my constitutional rights. Additionally, it has severely affected my efforts to start a new business, forcing me to close before I could even get started and obtain loans or grants. 
I have always paid in full for previous purchases, including those at Jareds Jewelry, and have maintained a good payment history. 
I request an immediate investigation into this matter and demand that any unauthorized use of my personal information be ceased immediately. Additionally, I expect a detailed explanation of how my information was accessed and shared, as well as the steps being taken to prevent such occurrences in the future. 
Please confirm receipt of this message and provide a timeline for addressing my concerns. 
Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$750.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2100.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXXXXXX : Account Number : XXXX : XXXX : {$350.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$320.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXXXXXX XXXX Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent the company certified letters XX/XX/year>, requested proof under under the laws of UCC 9.505 as well as State XXXX and XXXX statues. They were given 15days to provide proof and they fail to respond. 
Under UCC : XXXX. XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. XXXX. CONTESTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (FL)

15 U.S.C. 1601 is a section of the United States Code that establishes the purpose of subchapter I of Chapter 41 of Title 15, which is consumer credit cost disclosure. The purpose of this subchapter is to ensure that credit terms are disclosed in a meaningful way so that consumers can : Compare credit terms Avoid using credit without fully understanding it Protect themselves from unfair or inaccurate credit billing and credit card practices The Truth in Lending Act ( TILA ) is Title I of the Consumer Credit Protection Act, which is covered by 15 U.S.C. 1601-1667f. The TILA protects consumers from unfair or inaccurate credit billing and credit card practices. It also requires lenders to provide loan cost information so that consumers can compare different types of loans. 
I sent a cease and desist notice to each company for XXXX XXXX and company has still been communicating thru mail, email, and over the phone I ask the company for my original contract and validation of debt with 2 wet signatures and company has not provided but threatened more money from my all-caps name I am a living man of God I am not deceased.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further violates the FCRA. 

Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid contract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on [ XXXX, XXXX  ]. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that YOU immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

I am formally disputing the account XXXX XXXX XXXX XXXX XXXX. As mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1629g, you are legally required to verify this debt. Failure to provide proper verification will result in a violation of federal and state regulations governing debt collection practices. 

Under the FDCPA, your verification must include the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A detailed breakdown of the total amount due, including principal, interest, and any additional charges ; Documentation for each charge, including the date and basis for each charge.

I dispute this debt for the following reasons : [ Insert reason ( s ) for dispute ]. 

Given this dispute, you are legally obligated not to report this debt to any credit reporting agencies. If this debt has already been reported, you must immediately notify the credit reporting agencies that the debt is disputed and remove the tradeline from my credit report. Reporting information you know to be inaccurate, or failing to correct such information, constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, except for providing verification of this debt, you are required by law to cease all communication with me regarding this matter. Any attempt to contact me in violation of this request will be treated as a breach of your legal obligations under the FDCPA. 

This matter demands your immediate attention. I expect full compliance with all legal requirements without delay. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (WA)

I submitted a dispute to Ally Bank in XX/XX/XXXX, regarding a refund for {$350.00} that was not applied to my account in XX/XX/XXXX. Prior to submitting the dispute, I called Ally about the refund and their response was because I am calling more than XXXX months from the original date ( XX/XX/XXXX ) I purchased the product, they could not apply it to my account. I stated I was not calling about the original purchase, I was calling about why the refund that was submitted to Ally 3 months ago was not applied to my account. They said I should submit a dispute. Additionally, the company who issued the refund contacted them about why, if theyre not going to apply it to my account, are they not returning the {$350.00} to them. They received the same response about the original charge being more than 6 months ago. So they are essentially pocketing the {$350.00} and refuse to return the money or apply the refund to my account. 

I then submitted a dispute in XX/XX/XXXX, about the refund not being applied, even though the refund was within the 6 month period to submit a dispute, per the terms of the agreement. The dispute stated that I did not call about the original purchase in XX/XX/XXXX, I was calling about the refund that did not show up in XX/XX/XXXX. Allys reply was the same answer I received over the phone which stated I could not get the refund because the dispute was more than 6 months from the original purchase. 

I am now out {$350.00} because they refuse to apply it to my account or send it back to the company.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

The email is to bring your attention about an unusual practice at XXXX XXXX XXXX XXXX XXXX XXXX office is practicing. 

I am looking forward to justice to my injustice. 

This is an ongoing email requesting refund of unauthorized charge of {$1500.00} on my credit card. 

I have paid you {$500.00} & {$770.00} for which I have signed documents these charges are towards the XXXX treatment which takes care of my out-of-pocket expenses after the {$2500.00} from INSURANCE COVERAGE. I dont owe you anything as per detailed email below. 

XXXX has no documentary evidence where {$1500.00} was discussed BY THEM with me or any authorization given by me? 

No documentary evidence of the charges you dentist is talking about showing it was discussed BY Them with me or any authorization given by me? in the last email- {$990.00}?? ( {$560.00} your balance, {$430.00} XXXX balance ) what are these charges for? 

As per the XXXX login page, my insurance covers XXXX XXXX XXXX - 100 % - IN NETWORK AND OUT OF NETWORK. ( there is more data below the screenshots ) XXXX were given from my earlier XXXX XXXX XXXX XXXX XXXX, records were attached in the emails earlier which is below. 

Can I get an email address so I can forward you a detailed email with attachments. 

Any questions or clarifications, please contact me directly.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC Listed as original creditor. I have contacted the company asking for proof that I have did business with them directly and they have failed to provide this information. I have also notified all three credit bureaus and are demanding this false information be removed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.