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

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
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 ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX  Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXXXXXX XXXXXXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX Late Payment Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX  Collection Account XXXX XXXX  XXXX Late Payment Account XXXX  XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

Experian Information Solutions is willfully violating the Fair Credit Reporting Act. On XX/XX/2022 I filed CFPB Complaint XXXX demanding monetary damages for their negligent and willful violation of refusing to send me a FCRA 609 full disclosure of the consumer file they have concerning me. I have demanded this file multiple times because Experian is refusing and/or failing to ensure maximum possible accuracy of the information they furnish in reports concerning me and keep in the consumer file. 

Experian completed their investigation in response to my XX/XX/2022 CFPB compliant by " Updating '' the information. There is no way to " update '' information on a company that DOES NOT EXIST!!! 
I DEMAND THAT Experian provide me with with full disclosure of the entire consumer file INCLUDING the name, address, title, telephone number, and a PHYSICAL COPY of the CERTIFICATION of the employee of XXXX XXXX XXXX who validated the information Experian alleges they investigated. 
It is impossible to contact a company that does not exist. I have looked for XXXX XXXX XXXX in every state that Experian claims this company is from, and the Secretary of State in each state has NO RECORD of a company by the name of XXXX XXXX XXXX XXXX. 
Experian is defaming my character, causing business disparagement, intentional infliction of emotional distress, mental anguish, harassment, and impeding my access to credit in violation of the Equal Credit Opportunity Act. 
It appears Experian is a co-conspirator in violating my consumer rights and is hiding access to the actual entity that is furnishing inaccurate and defamatory information about me. 
Experian updated these accounts with a " Customer Service '' address in Florida. I attached proof to my last complaint that XXXX XXXX XXXX  does not exist, and I am including proof that this entity doesn't exist in Florida either. 
I have no legal recourse against an entity that is not registered to do business in my state or any of the states Experian claims they exist. There is no agent for process of service for me to file suit. The only company that does have a registered agent who is party to this complaint is Experian Information Solutions LLC, who I have served with my disputes and demands. 
Their continued refusal or failure to comply with the Fair Credit Reporting Act is no accident now. It is negligent and intentional, and I seek monetary damages.
Product: Debt collection

I enrolled in XXXX XXXX XXXX XXXX in order to pay USAA credit card. Through XXXX they agreed to accept {$3600.00} as a settlement for the debt owed to them. However, USAA continues to report this debt on my credit report as past due and not settled in full. I have copy of my credit report. I challenged it and they are telling credit bureaus that the information is true as reported. I even have proof from XXXX proving this agreement. 
You may contact USAA at : USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, DE XXXX XXXX XXXX
Product: Student loan

I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no 281 SW 715, 719, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I Demand the attached information be removed immediately.
Product: Credit reporting or other personal consumer reports

I pay my Bank of America credit card ending XXXX from a checking account ending XXXX. Without notice or consent Bank of America took 1910 for a credit card payment for XXXX from XXXX account and paid a charged off business account with no consent, no notice, nothing. As I had no idea they did this, they then said my payment was 30 days late as the money I paid 1910 they took for a charged of account and did not notify me. 

I found out through a XXXX alert and now my credit is destroyed.
Product: Debt collection

Re : Dispute of Debt Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Dear XXXX I am writing to dispute a debt that you have reported to credit reporting agencies, which I believe is inaccurate and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you investigate this matter and provide me with validation of the debt as required by law. 


Creditor Name : Cash Store I dispute the validity of this debt for the following reasons : Lack of Verification : I have never received any written verification of this debt as required by the FDCPA, despite my previous requests. 

Inaccurate Reporting : I have reviewed my credit report, and this debt is reported inaccurately. It does not reflect the true state of the account, and this reporting is in violation of the FCRA. 

Statute of Limitations : I believe that the statute of limitations for this debt has expired, making it unenforceable in my state. 

Under the FDCPA and FCRA, I have the right to request that you provide the following : A. Written verification of the debt, including details about the original creditor and the amount owed. 
B. Proof that you are licensed to collect debts in my state.

C. Proof that the statute of limitations for this debt has not expired. 

I also request that you cease all communication with me, in accordance with the FDCPA, until you can provide the requested validation of this debt. 

Please consider this letter as a formal dispute and request for validation of the debt. Failure to provide the required documentation within 30 days from the receipt of this letter will result in my assumption that this debt is invalid, and I will take appropriate legal action to protect my rights under the FDCPA and FCRA. 

I look forward to your prompt response and the resolution of this matter. Please send all correspondence regarding this debt to the address listed above. 

Sincerely, [ Enclosures : Any supporting documentation you may have.
Product: Debt collection

I received a text message from XXXX, debt collector XXXX XXXX on XX/XX/2020 regarding a debt of the credit card. Also, it stated that I should contact this office in order to prevent further consequences. 

On XX/XX/XXXX, I called the office and I spoke with Ms. XXXX to send me the information through my e-mail so that I can check my credit reports Bureau. She sent me a letter with the information : the creditor 's name is Household, account # XXXX with a case file # XXXX the Balance of the debt is {$3700.00}. 

On XX/XX/XXXX, I got a message through the voice mail from Ms. XXXX regarding the complain that I have been filed against me and need to call urgently to solve the issue and prevent further actions. 

I spoke and checked with the Credit Report Bureau Representatives and he told me the above creditor 's name and account number does not appear on my credit report in all three agencies.
Product: Vehicle loan or lease

Credit is my right, US Bank has discriminated against me with an adverse action in the form of a denial under 12 CFR 1002.7,15 us 1681a, this being adverse to my interests as a consumer. Congress definition under 15 usc 1691 explanation of activities constituting discrimination says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION, this law is clear! U.S. Bank has committed a crime and continues to be noncompliant and willfully negligent on resolving this matter. Credit is my right.
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 XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are keeping the wrong personal info on y report
Product: Vehicle loan or lease

AFFIDAVIT OF TRESPASS AND VIOLATION OF RIGHTS State of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX being duly sworn, depose and state as follows : Identification I am the Secured Party and XXXX beneficiary of the Faith Beyond XXXX XXXX, a 508 ( c ) ( 1 ) ( A ) organization, with a business address of XXXX XXXX XXXX, XXXX, NY, XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX I affirm that the XXXX XXXX XXXX XXXX has the legal authority to engage in transactions and manage assets, including the trust bond that is used as collateral. 

XXXX XXXX XXXXXXXX XXXX XX/XX/year>, I submitted an application for credit ( XXXX XXXX. : XXXX ) to Bank of America, N.A. for financing. 

Denial of Credit On the same day, I received a denial letter from Bank of America, indicating my application was declined based on various factors including " serious delinquency '' and " insufficient time since business established. '' Allegation of Trespass I contend that the actions taken by Bank of America, N.A. constitute a violation of my rights as a secured party and beneficiary of the XXXX XXXX XXXX XXXX. The denial of my credit application without adequate justification infringes upon my rights and trust property. 

UCC Provisions a. UCC 9-311 states that a security interest may be created in a negotiable instrument or in a right to payment under a contract. 
b. UCC XXXX establishes the enforceability of a security interest and indicates that the rights of the secured party are enforceable against third parties. 
c. UCC 1-308 allows a party to reserve their rights, providing that I retain the right to seek remedies for any trespass against my secured interests. 

Damage to Trust Interests The denial of credit undermines my trust 's ability to secure funding and leverage the trust bond, ultimately damaging its interests and capacity to operate effectively. 

XXXX XXXX I request that the actions of Bank of America, N.A. be reviewed and reconsidered, and I reserve all rights to pursue legal remedies for the violation of my secured party rights and interests as stipulated in UCC statutes. 

Affiant Signature : XXXX XXXX XXXX
Product: Credit card

Well they have a charge off in XXXX that I have not received the XXXX from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - CB/VICSCRT XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account CB/VICSCRT XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account CB/VICSCRT XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account CB/VICSCRT XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account CB/VICSCRT XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Money transfer, virtual currency, or money service

I deposited money 7 months ago via a prepaid debit card, i bought Ethereum which i was to use somewhere. After depositing they asked for more verification which i provided but they went a head and closed my account.I told them to refund my money they refused saying i can only " withdraw '' to the same card i used to deposit, which was already closed since it was just a prepaid card. Plus it doesnt make sense that they couldnt refund to the same card yet i was only allowed to withdraw to the same card. I feel it has been a deliberate plan to hold my money so that i will stop asking for it. Because even after complying with everything thing they asked, including providing all the legal documentation they asked. they still wont allow me to either withdraw directly or exchange the cryptocurrency in my account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX bankruptcy discharged # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter to Trans Union LLC on XX/XX/2017, challenging the accuracy of its reporting of inquiries ; employment ; promotional suppression ; name and address. As of date, I have receive no response.
Product: Checking or savings account

I had to order a new card for my account because the one I had I lost it. The new card came I tried to activated it wouldnt let me. At that time they said I had to wait 15 days. I waited the 15 days then I went XXXX to try and activate it and it still wouldnt. I chat with a representative and they said my account was but on limited conditions where I could only send and receive money or cash out to my linked bank account due to a violation of their terms. I kept asking what it was because I never did anything but what the account was intended for collecting payments from my clients. Then they closed my account completely and said I could only withdrawal money. Today I read the terms and the number for customer service was listed. I called to asked for specific reason where i violated their terms because after reading the terms I didnt see anything I did wrong. The guy who I spoke to said they cant give me the specific reason its only for internal. I then asked to speak to a supervisor and the guy refused and hung up the phone on me.
Product: Checking or savings account

My account was closed in XXXX, the investigation was done and completed in XXXX, I only received a check XXXX $ the balance left was XXXX $ which was sent from XXXX XXXX XXXX kept calling Capital one for the XXXX $ and its a different story every time I call..They first claimed the money was sent to the original sender but they didnt receive it they later said they will mail a check for the XXXX $ but its been months I have not receivedits overwhelming and financially stressful and they just need to rightfully give me the money back or return it to the original sender and to stop wrongfully holding funds without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries should not be on my consumer reports. 

XXXX XXXX ExperianXXXX XXXXXXXX XXXX need to be removed. 

XXXX XXXX ExperianXXXX XXXX XXXX need to be removed.