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

My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My request to the U. S. District Courts confirmed Experian has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately.

The Experian needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.
Product: Mortgage

From my statement I owed XXXX amounts, I sent Mr Cooper XXXX checks in these amounts. XXXXXXXX XXXX person guaranteed would be applied correctly. Knew checks were received..wasnt applied correctly, so when I called in my payment it was refused because the computer still showed the amounts werent paid. After MONTHS of them refusing my payment, they were reporting me to credit bureau as " not paid ''!! My payment has been changed monthly without any explanation as to why. Calls are useless, no one knows what's going on. And because of Mr Cooper reporting my payments as not paid, my credit rating is in the toilet, so I am unable to get refinanced by anyone else. NOW they have started foreclosure procedures... I have an attorney fighting this. Now they have another front company XXXX XXXX XXXX XXXX, who supposedly has set up 3 months of payments for {$1800.00} or I will be in default. How does this Mr Cooper get away with stealing peoples homes, ruining their credit ratings... all under a different company name. Go to the facebook page Mr Cooper Fradulant and just read the XXXX they are pulling. WHERE IS THE PROTECTION FOR THE CONSUMER?? My mortgage was fine until Mr Cooper took over. They want my home!! I owe only est {$180000.00} on a {$500000.00} home. How about you investigate their practices ... they changed my due date, my payment amount, bought insurance not needed, after I had already sent them proof of insurance. Then I received no insurance refund. Refusing to take my payment is not " not paying '' ... ..its being set up for failure/foreclosure by a XXXX company that just keeps changing its name and passing you on to the " new '' named company. I had no trouble with my mortgage until Mr Cooper took over. Its bad banks, other mortgage companies dont even want to deal with Mr Cooper XXXX How does Mr Cooper still buy mortgages from established financial institutions with this kind of reputation, these business practices?? 
How about some help..there are already people who have lost their homes, thru no fault of their own, just having their mortgage being handled by XXXX of XXXX XXXX fraudulant companies XXXX
Product: Debt collection

I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. 
I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. 
I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. 
She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.
Product: Credit reporting or other personal consumer reports

received a call the persons relayed they were from " EXPERIAN '' and relayed that two people had tried to apply for credit cards in my name -- had all my info on the credit cards I, have what I, owed everything -- tried to contact " '' EXPERIAN '' '' with no response was given XXXX different numbers still -- the message was we can only forward call on a limited basis this is a total disgrace for a bureau they should not even be in business of reporting if the customer are unable to reach them in an emergency -- -this call was " '' FRAUD '' '' pure and simple and " '' EXPERIAN XXXX failed to respond in an " '' EMERGENCY '' ''
Product: Checking or savings account

I signed up for an American Express business checking account with the expectation of receiving a XXXX point welcome bonus, as advertised. I successfully completed all the required steps to earn the bonus. 

My account dashboard confirms that I met all 3 requirements necessary to receive the XXXX points. 

However, it has now been several weeks, and I have yet to receive the welcome bonus. I have contacted American Express customer support numerous times, but I continue to get the run-around with no resolution or clear answers.
Product: Checking or savings account

TD Bank accused me of depositing counterfeit checks on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I went to TD Bank XXXX branch office on XX/XX/XXXX for a resolution of the counterfeit checks issue and debt. I worked with two TD Bank notary publics. The notary publics filled out an Affidavit of Forgery for counterfeit checks successfully and the checking account number was closed. The checking account has a XXXX balance or does not have a balance without the counterfeit checks. TD Bank says I have {$3600.00} balance. TD Bank referred the {$3600.00} balance to two collection agencies, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. I have done everything necessary to resolve the {$3600.00} balance issue with TD Bank and now XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX TD Bank insists I owe a {$3600.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XX/XX/XXXX balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XX/XX/XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my Experian Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, XXXX, and TransUnion. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

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 have disputed an account XXXX XXXX XXXX XXXX numerous times with this bureau because it does not belong to me. They have not proven to have verified or validate this account at all while continually updating it to verified and accurate. I have not received any proof of verification at all. I have asked for the name and position of the individual as well as the documentation of this account showing it belongs to me. This negative info is causing me a lot of stress and wasted time. Please do not play anymore games for stall tactics, this is me disputing this invalid account on my reporting, I have attached my Driver 's License, Social Security Card as well as the credit report showing the invalid account. I will have to pursue legal action if this account is not promptly removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit file and found several inaccurate files. My personal information was shared illegally without my knowledge or permission. I maintain the right to privacy and do not wish for my personal information to be shared by any organization without my permission. My right to privacy according to the Fair Credit Reporting act was clearly violated.
Product: Credit card

In XXXX my identity was stolen and I had numerous credit cards opened under my name. I have filed a police report and an FTC report, as well as put a freeze with all my credit bureaus. I have successfully been able to close every fraudulent account opened except with First Digital/Synovus . They have been giving me an extremely hard time saying that while they can close the account from being used, I will still be liable for the bill because " the information used matches ''. It is quite obvious that the information would match because the person stole my identity and that is how they opened the card. They also told me there was a payment made, which was made the first time by the person who opened it and thereafter it was closed no payments have been made. The first time I sent them a handwritten letter with my report and it was denied, so I called and repeated the same process because they told me to do it again and it was yet denied again. At this point I'm unsure of what to do as their customer service reps either hang up or don't have an answer and it is ruining my credit. I don't even have the account number or card number as I was not the one who opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to buy a car and while shopping I had mentioned to the salesman that I had a credit report and did not want them they run my credit. 

On all three credit report XXXX Experian XXXX shows that my credit was ran several times. I have a total of XXXX hard inquiries. 

XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX/XXXX XXXX 2. XXXX XXXX XXXX / NELNET 3. XXXX/XXXX XXXX XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. 
Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. 
I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Burea
u Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EDUCATIONAL CREDIT MANAGEMENT CORP calls my cell phone and home phone multiple times a day. They call from multiple phone numbers. The last time I spoke with them, I provided my home address and told them I only wish to communicate by letter. 

This defaulted student loan debt is already in involuntary repayment through tax offset. 

I know that repayment options negotiated at this point will not stop the tax offset I want to stop the phone calls.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

Closed accounts and information that has been paid off or disputed successful reappears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance received a copy of my credit report on XX/XX/2022 and I do not recognize who that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/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.