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

In a response received from Experian on XX/XX/XXXX via CFPB case # XXXX, Experian stated that it completed an investigation of a bankruptcy dispute with their " Public Record Vendor ''. However, Experian has refused to provide the name, and address of this public record vendor as required by the FCRA. Experian is " Knowingly '' lying about contacting this so-called " Public Record Vendor ''. It is has been proven that Experian uses system-generated responses to disputes without properly validating the data with the source and aligns with case Nikolas v Experian. According to XXXX via it's website at https : XXXX XXXX XXXX XXXX  Matches '' information for bankruptcy records via " Public Records XXXX XXXX XXXX only provides the bankruptcy data to Experian and does not " Validate '' this information. I have attached a full consumer report from XXXX which clearly shows " No Bankruptcy Record ''. Experian has ignored this supporting documentation dated XX/XX/XXXX, and refuses to provide the " Name and Address '' of the vendor who is " Verifying '' this record. In CFPB case # XXXX, Experian admitted that although the " Courts does not report to CRA 's XXXX we may contact the public record vendor for verification '', which is consistent with the letter from the Bankruptcy Court certifying that " They do not report filings to CRA 's XXXX. I have attached both, the report from Experian 's data furnisher XXXX and a letter from the courts. This is strong evidence that Experian has not validated the " Completeness and Accuracy '' of this record and has failed to provide the " Name and Address '' of the its " Public Record Vendor '' therefore, this record must be deleted in accordance with the FCRA laws and standards. I am not requesting a " Re-investigation '' as the evidence presented as proven that this record has not been properly " Validated '' by the originating source or data furnisher. If Experian responds to this complaint with a system-generated response or delays the removal based on the facts provided, it will be perceived as an attempt to violate federal law. In a federal court, it will be considered " Knowingly '' or " Reckless '', which could cost up {$1000.00} per violation. Experian has caused significant damage to my credit and reputation by reporting this " Unverified '' negative information and should it refuse to comply, I will seek punitive damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  did a hard inquiry on my TransUnion report that I did not authorize on XX/XX/. I never applied for credit on XX/XX/XXXX  with any company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX XXXX XXXX it XXXX concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX  The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX, OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Product: Credit reporting

Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.
Product: Credit reporting or other personal consumer reports

They refuse to give me proof of these accounts that are obviously inaccurate and do not belong to me.
Product: Credit card or prepaid card

The XXXX Chase credit card is marketed and advertised on the XXXX website as a 0 % apr card. And it was till randomly now, 2 months after I got it. I got it last XX/XX/XXXX. Made about {$500.00} in purchases. The first month after- as promised no fees. The second month after - not only was there interest accrued, but they also XXXX   out my over XXXX promotional points that I was going to use toward the balance. I dont even get why they got rid of that. There was NOTHING about if you dont use the points within a certain amount of time you lose them, OR about interest being accrued after only 2 months. Maybe in microscopically worded fine print I got a month later- but not at the original e-signing or wouldve never gotten this card if they wouldve been up front about any of this.The guy on the phone said I must have gotten the interest charge due to buying something not on XXXX   which is impossible. I closed the card as soon as I got it in the mail and only used it online. In short- I demand my promotional points back and interest taken off. I wouldnt have gotten this card either if I had known it was Chase since theyve defrauded me in the past- thats how little they tell you at the e-signing.
Product: Debt collection

I called National credit system at XXXX XX/XX/2019 the fake fraudulent lady claimed I owed XXXX XXXX  XXXX. I dont owe anyone anything this fraud by wanted fugitives in retaliation for me reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX all for multiple XXXX and poisoning to the New York State Attorney General. National credit system is allegedly at XXXX. XXXX XXXX XXXX, GA XXXX sound some XXXX old trying scam people. She got all information wrong Im suing Where lived over braking in my apartment. National credit system requested my lawyer and I could be sued over this alleged debt. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX was never late XXXX dept of ed XXXX was never late o The law states that under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

The law also states that 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.

And The law states that 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OPENED THIS FRAUD COLLECTION WITHOUT MY KNOWLEDGE. 

XXXX XXXX HAVE A FRAUD COLLECTION ACCOUNT OPENED UNDER MY NAME THAT INACCURATE. 

I AM NOT RESPONSIBLE FOR THIS FRAUD COLLECTION ACCOUNT FROM XXXX XXXX XXXX. 

THE ACCOUNT NUMBER : XXXX WHICH HAVE A FRAUD BALANCE OF {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : ( XXXX ) and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account
Product: Credit card or prepaid card

XXXX XXXX  issued a cresit card with a XXXX credit line. I NEVER applied or recieved this card and I have NEVER used this card. I have tried several time to talk to the original credit company and they did nothing but threatin me to put it in collections. I finally got them to close the account. I have asked for itimized statments from over 6 month worth of charges. I would have never known of this card except it showed up on my experian credit report. I am very consistant at looking at my credit and now they closed it out being a bad debt that lowered my score by XXXX points. 

This is FRAUD. I never applied and never used this card. And the company has NEVER sent me any requested information. They keep calling now that it is in collections and they yelled at me that I was a dead beat not wanting to pay my responsibilites. 

it is with RESURGENTS LVNV Funding LLC ref # XXXX for {$940.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Also i attached a notice that XXXX sent to me stating that these dispute didn't come from me but they did, and also i haven't heard a response from XXXX and TransUnion 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: Credit reporting or other personal consumer reports

I am asking the XXXX and TransUnion again to please remove these REMAINING items from my credit reports. As I needed my credit reports accurate and no nagative items showing in it. This was my follow up complaint as I am expecting that when I update my credit reports once again these items below will be remove from my credit reports : 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: Mortgage

Original Loan amount : {$280000.00} Payoff amount : {$240000.00} PMI monthly : {$110.00} Current home Valuation : {$310000.00} Origination Date : XX/XX/2015 I tried to eliminate the PMI based on the home value and ratio to original borrowing. I wrote Flagstar to  request cancellation of monthly PMI of {$110.00} per month. They refused citing 75 % ratio of remaining balance to original borrowing not met. They advised I could pay {$520.00} to appraise the home to update the value. I paid the money, they sent an appraiser then made a faulty calculation of {$260000.00} - {$16000.00} below the original borrowed amount after 5 years in a steadily appreciating housing market. Appraiser did not use comparable homes next door that recently sold and on same street and neighborhood but erroneously used condos close by that do not include land value in consideration. My home is an attached townhouse - not a condo. There is no HOA or shared land usage/value. I have all the details. I appealed the decision. They then revised their estimate to {$280000.00}. This is fraudulent by Flagstar and a blatant attempt to continue to receive PMI payments and a conflict of interest. The house was appraised by another mortgage company at {$310000.00} and all third party comparable show the house to range from $ XXXX {$350000.00}.
Product: Vehicle loan or lease

This a formal complaint that there is inaccurate and incomplete credit information. 
I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/Santander : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

This is my numerous 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 XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX  XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX , XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Someone used my personal information to obtain an XXXX XXXX without my authorization in XX/XX/year> and it was closed in XXXX. I overlooked the information until after the account was closed because the 3 credit bureaus did not report any hard inquiries before. I thought that XXXX XXXX ' fraud prevention measures had been activated thereby closing the account, and with no hard inquiries recorded on my credit report, the credit freeze had been turned on, so no further action was taken. However, I was unaware that the card had generated a large number of fraudulent purchases and had been delinquent in some way before it was closed, and that XXXX XXXX Bank, which issued the card, had not reported this information to all 3 credit bureaus until XX/XX/XXXX when XXXX XXXX submitted the delinquent unpaid amounts to XXXX credit bureaus. This has caused my credit score to suffer greatly. The FTC report will be attached.
Product: Credit reporting or other personal consumer reports

credit, I am requesting that you take the following action. Block and delete the fraudulent accounts or inquiries identified by me. In addition, provide me with a detailed report of any changes made to my credit file. This has impacted my life and its traumatizing to go through and not be treated fairly. Companies should not be able to just report items without proper investigation. Attached is a notice expressing the violation. Please see!
Product: Student loan

This account is paid and settled in full on XX/XX/2023 ... Confirmation # XXXX, specific performance to remove the closed and charged off account from the 3 credit bureaus which is causing me harm and damages. Please show the full accounting via the GAAP accounting, if that is not showed, please remove immediately from the 3 credit bureaus.
Product: Debt collection

Account was opened XX/XX/2017 by XXXX this company is trying to collect a debt from me which I don't recall ever having business with said company. ask for verification of debt but hasn't gotten any. Am not so sure they are even legal to be collecting any debt in Florida.
Product: Checking or savings account

Since XX/XX/2024, I have noticed that my account with Wells Fargo has been suspended. I called them several times, but they did not know the reason. Finally, they gave me an email address and asked me to contact them via that email. I have sent them 6 emails, but received no response. Today, I had an appointment with the banker. After reviewing my account, they said that they can't help and the only way to request the unsuspension of my account is to contact the email address. 

Meanwhile, they have accepted my paycheck deposit from my work two times. If the account has been suspended, how can they process the deposits but not the withdrawals? 

Most importantly, how could they have suspended my account without any notice ( letter, email, phone call, etc. )? This is the account from which I am paid by my work. What law allows them to block my access to my money without any notice? 

I am a father with XXXX children, and I need my money. I have done nothing wrong. There are no suspicious transactions in my account. They have no right to do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts created and now have late payments reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit using my identity to buy a mattress which was delivered to a house that is not mine. After finding this on my credit report, I worked with XXXX XXXX fraud department ( XXXX XXXX purchased the debt ) and they concluded that I did not authorize this purchase. I have attached a copy of a letter from XXXX XXXX indicating that these charges were not authorized. 

As a result of their investigation, XXXX XXXX updated the credit agencies. These false accounts were removed from XXXX and XXXX ; however, they were not removed from my Experian Credit Report. 

I disputed these charges through Experians online dispute system. I was not allowed to upload an attachment to provide evidence. My dispute was denied ; however, I was not provided any evidence or rationale. 

I submitted a complaint to the Consumers Financial Protection Bureau ( Complaint Number XXXX ). XXXX XXXX once again confirmed that the debt was not mine ( see attachment ) and they re-sent letters to all 3 credit companies. 

Experian still has this fraudulent account on my report and it is preventing me from refinancing my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, XXXX, Equifax are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in XXXX  loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, Equifax, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Product: Credit card

I want the overpayment of {$9.00} back in my checking account with Regions and I want the auto transfers from account to account by regions bank to stop. 

On the XXXX of XXXX a {$200.00} fee was auto transferred from my regions checking account to my regions credit card without my knowledge or consent. 

My ongoing request to regions was to get a bill and due date with the amount owed monthly on my credit card and pay it myself. It was due on the XXXX according to regions internet page, I called to do that on the XXXX and saw what regions transferred the money already days before the due date. 

I have written, gone to the local bank, and TC to get them to stop, but they persist and now are taking out more money than I owe and on an earlier date without telling me. 

Regions went ahead and transferred the amount ( {$200.00} ) unknown to me and against my wishes earlier than the due date and for {$9.00} more than the amount owed ( {$190.00} ). 

I have not signed anything for them to do this and tried everything to have them stop.