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

Experian is inaccurately reporting my credit score data. They are essentially throttling my score ( dropping over XXXX points ) in order to lower my credibility and ability to get a mortgage. My revolving debt has not increased past the 50 % mark, and I fully pay off my credit card every month. I am a veteran and a student and so I sometimes have to use my credit card. I have also paid off my car lease and other loans last year. They are claiming that I have to have an age length of 25 years to be credit worthy. Excuse me, but before I started using Experian my score was just fine. 

Also, my fellow comrades can vouch as they already have mortgages themselves using the VA Loan program. With my payment history I should be at least XXXX right now. I'm not sure who is behind this, but they are trying to slow me down big time. There's no way my score should be dropping that low within a span of 15 days, keep in mind this is 30 % utilization. It is a spike, but the drop should be miniscule, they are trying to ruin me. 


Living in XXXX is already hard, now imagine after all my hard work and learning that I can't get a mortgage once I start working because of a system put in place to slow down " certain '' users. I repeat again, I have many fellow veterans that have taken out a mortgage. Everyone 's financial situation is different, but my point is this is overkill. I'm not going to pay rent for the rest of my life sorry not sorry, especially after serving my country.
Product: Debt collection

I am writing to file a formal complaint against Vance Huffman LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Vance Huffman LLC is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Vance Huffman LLC validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Vance Huffman LLC continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Cause

d : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to credit opportunities. Relief Requested : I request that Vance Huffman LLC immediately validat
e the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Vance Huffman LLC stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Vance Huffman LLC must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Vance Huffman LLC adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found that accounts that I had reported as fraud and identity theft are still open and reporting on my report. On XX/XX/2023 sent in my FTC identity theft report and police report, placed a fraud alert on my credit files, and requested that Experian, XXXX, and XXXX STOP reporting accounts that were opened fraudulently, despite their reckless, careless investigation. I have provided the companies with proof of identity theft of my personal information and a police report. I also reported the suspect XXXX XXXX who stole and had access to all of my personal information while Living with me. According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts violate not reporting 100 % accuracy. Furnishers & Bureaus need to be held accountable for reporting false and inaccurate information that they CAN NOT 100 % verify. 

I have attached the following documents sent to Experian, XXXX, and XXXX on XX/XX/2023 : FTC Identity theft affidavit/report Police Report Signature confirmation that the bureau received the supporting documents.
Product: Debt collection

My American express with XXXX XXXX had a balance of XXXX ... .I was on a payment plan of XXXX a month. In XX/XX/XXXX payments were made... XXXX for XXXX and XXXX for XXXX ... this brought the account to paid off status..in XXXX they still withdrew the XXXX... even tho the account is paid. My understanding is that I should be reimbursed ... ..when I speak to the agents one states I owe XXXX ... ..another said I overpaid by XXXX cents .... it is my understanding that I overpaid my account and I want to be reimbursed
Product: Mortgage

I have a conventional 30 year, fixed-rate mortgage with Bank of America. Closed in XX/XX/XXXX. Interest rate is 5.99 % fixed. Original principal was {$290000.00}. I made monthly mortgage payments of {$1700.00} ( P & I ) since the closing without incident, including during a long period when the market value of my home fell below the mortgage balance, and as mortgage rates were persistently declining. 

When the U.S. economy crashed from the pandemic of XXXX, i opted for mortgage relief through a forbearance. In XX/XX/XXXX, i contacted BoA to refinance the mortgage and wanted to successfully emerge from the forbearance. XXXX XXXX of BoA ( NMLS # XXXX ) underwrote a refinance offer for me dated XX/XX/XXXX. Refi terms were 30 year fixed at 2.875 % on remaining principal of {$230000.00} plus forbearance amounts estimated at {$27000.00}. Combined, that would have lowered my monthly mortgage payment to about {$1000.00} per month, a $ 600 monthly savings. Meanwhile, the market value of my home was then estimated at {$410000.00} resulting in a refi loan to value of 63 %, my credit score was XXXX, and my liquid assets were approximately {$1.00} XXXX. Soon after, BoA pulled the plug on my refi offer due to uncertainty regarding emerging rules for refinancing mortgages in forbearance. 

Since then, i have had multiple conversations with BoA regarding my mortgage and emerging from forbearance. BoA offered me a deferment option in XXXX and a loan modification in XXXX - both at the original interest rate of 5.99 %. I have replied to BoA that a carrying a 5.99 % interest rate in a 2.875 % market was extremely excessive and repeatedly requested to refi the amount due at current terms. Further, it is reasonable to assume that there is very little credit risk regarding the home value, my credit history and my available liquidity.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information XXXX have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person
Product: Debt collection

This is regarding a car financed though GM Financial. The car was totaled and paid off in 2018. I called GM Financial after I was notified that the insurance and GAP had paid the car off to ask if we owed anything else. The lady said no that everything was taken care of. I thanked them for their help with everything. About 6 months later {$240.00} was put against me on my credit report. 

I was so outdone with this and I called them to get it straightened out. I asked them why this was put on my credit and they said it was fees that was not collected. I told them that I had asked if I owed anything once the car was paid off and I was told no. 

I was never late on any of the car payments. If my son wasn't able to pay it I always paid the payments. My credit is precious to me and I try my best to protect it at all cost. 

I paid XXXX XXXX to clear this up for me and after many attempts of trying they told me to contact you. They were able to convince one of the credit bureaus that this was not owed and they fixed it on their end. 

However, one of them did not fix anything and It's hurting my credit so much. Every-time I get my score back up they put it back on there again and my credit report takes a huge dip. 

If I truly thought that I owed this I would have paid it a long time ago. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to Capital One disputing the account listed below and another capital one account which was opened on my behalf but not by me. Capital One sent me a letter stating the account was fraud, it only included one account they both are fraud and should be removed from my credit file. I attached the letter from Capital One. XXXX XXXX XXXX, NJ, XXXX SSN : XXXX | DOB : XX/XX/1984 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. Name of Account : Capital One Account Number:XXXX Provide Physical Proof of Verification : Unverified Account
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind examining the documents? Some of the accounts listed are inaccurately reported.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked inaccurate. XXXX XXXX, XXXX XXXX, XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Product: Debt collection

I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
Product: Credit card or prepaid card

Dear CFPB, This letter is to inform you that Citibank Credit Card Company is engaging in unfair, deceptive, and predatory credit card practice. Predatory is lending that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions that is misleading that a borrower cant afford and places them further into debt and fees. 

On XX/XX/2022 I called Citibank Credit cards to ask about better credit cards terms. I had a credit card limit of approximate {$12000.00}. I had been trying to diligently pay down over the last year or so. I had a balance due of XXXX with a high interest rate. My payment has always been on time. 

When I called I wanted to see if there are more favorable terms then their very high interest rate. I saw various advertisements from Citicards for zero percent interest for 12 months and related offers. 
The representative stated that the only program that I can be offered was my balance of XXXX due was a zero percent interest for 12 months. They would move the balance funds into my checking account with the zero percent interest. 
Undisclosed to me they doubled the used credit balance utilization of the card to almost its limit of approximate {$12000.00}. This dramatically doubled and drastically increased my credit card usage limit and significantly dropped my credit score, as of XX/XX/XXXX, without making any purchases. 



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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
two of my XXXX XXXX, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXXXXXX XXXX to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXXXXXX XXXX  president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
Product: Mortgage

My property is in Deed of Lieu status. I have not missed any payments because I have re modified my loan. That why it looks like I have been late. The loan number is XXXX with Citizens One.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason there is a bankruptcy that is reporting on my credit file in error. I have contacted the credit agencies to dispute this issue and they refused to remove this inaccurate reporting from my credit file. I contacted the courts to ask if they submitted this erroneous information to the credit bureau and they sent me a response stating that they do not provide information to the credit agencies. Please assist me in getting this erroneous information removed from my credit reports.
Product: Credit card or prepaid card

I made a purchase through XXXX back on XX/XX/XXXX and due to Covid they had delays in shipping. I filed a dispute with XXXX  and they were working with resolving the shipping not arriving as proposed by the merchant. On XX/XX/2021 I received a small bag with nothing but a packing bubble. I contacted XXXX  with the pictures and they haven't responded nor issued me a refund on the purchase of 24 inflatable chairs. I then filed a dispute with my bank to which they have denied my dispute of fraud on the merchant. I'm out of {$140.00} and I need help with retrieving my funds from a transaction that everyone else has benefitted from but me.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Dear Sir or Madam, after obtaining my credit report, I noticed that it shows late payments on the above account with this company. It specifically states that I was 30 days late. This has damaged my credit worthiness and is extremely troubling. 

I am sure APPLE CARD/GS Bank is aware and understand that it is required by law that they must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

They are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion as well as provide me with a notice 21 days before the due date before you can consider a payment late. 

They are also REQUIRED by law to provide me with a notice before providing anything on my consumer report that would negatively impact me as a consumer. The law clearly states that If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT in case you are not aware here is what the law state report containing information solely as to transactions or experiences between the consumer and the person making the report Also make sure late fees are accessed properly. In this regard, I hereby request the following steps to remedy this situation. 

1. To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act in regard to my account.

2. Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company. Including the tracking number of the letter you sent out to place on me on notice 21 days prior to the statement due date.

3. Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless of whether or not you claim they were late from the time this account was opened to this present date. 

If they are not able to provide me with this evidence that I am legally entitled to have in writing, I affirm that they please remove all negative references of these late payment 's entries by your company to all CRAs as they were submitted. XXXX, XXXX and XXXX and any others. 

If I have not received these itemized documentations within the period prescribed by law, I will expect to receive written notification that they have removed all late entries that Ive disputed off my credit report. 

I thank you in advance for attending to my requests promptly to verify identity, I am enclosing copies of my state drivers license and an electric bill, that shows your current mailing address. 

Sincerely, XXXX XXXX
Product: Prepaid card

XXXX is holding {$92.00} because the card has expired on XX/XX/XXXX I have already paid my fees to get the card and they are not giving me any portion of the balance. The card was purchased on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit repor ting hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.