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

This fraudulent crooked company thinks by marking XXXX complaints as duplicate will fix the fact that experian stole NOW almost 30 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX and XXXX for lying to me and telling me that they have investigated my disputes, that are errors on my credit reports, only to find out that they infacted have not dont any investigation. Experian, XXXX and XXXX always responds within 24 hours saying that, the accounts are accurate without providing any evidences. It is so frustrating and illegal that these companies are allowed to violates the Fair Credit Reporting Act FCRA. 15 U>S>C> SS 1681 which mandates a resonable investiagtion of disputes. Futhermore Experian, XXXX and XXXX actions may also violates the consumer Financial Protection act CFPA 12 U.S.C. SS.5536 A 1 A-B as highlighted in the CFPB 's recent adminsitrative proceeding File no. 2025 CFPB-0002 against them for similar violations. I hope CFPB sues the pants off of Experian, XXXX and XXXX and hold them accountable for violating federal law and provide consumers with the necessary proof of investiagtion.
Product: Credit reporting or other personal consumer reports

XXXX student loan servicer has been claiming since XXXX  that i was 120 days late for two months, on two different loan. This is false. I was never late. I was on an income based payment plan before having my loans forgiven for being a100 % XXXX XXXX XXXX. When my loans were paid they were even backdated prior to these alleged late payments but still they remain. I have disputed this every month for 2 years now and have received the exact same form letter answer from XXXX And the credit bureaus despite evidence to the contrary would not remove these errors. I have called customer service, emailed the military liaison and even went so far to email every single high ranking person I could find on their website - and still just stunning silence. I have asked to be furnished with evidence and explanations of their investigation and got nothing. These erroneously reported four late payments of over 120 late days has had a devastating effect. My credit score at one point was XXXX. I could rent anywhere, I couldnt get a job, I had trouble even getting a bank account. I was finally lucky enough to get 2 banks to open an accounts but suddenly these accounts were closed, my money frozen and I couldnt even by food for my XXXX XXXX XXXX. I even remember one representative said to me during a distraught conversation about what to do- they said, you can always go to a food bank and hung up. XXXX abused their power and stole years of my life and time with my son. And the credit bureaus are complicit. I also asked them for evidence in every dispute and every call, email, chat and phone call and their response every single time was - XXXX CONFIRMS THIS REPORT AS ACCURATE AND NO CHANGES WOLL BE MADE. After 15 years in the military, a devastating injury, forced retirement and all the XXXX I often wonder what my life would look like right now if those 4 lines of code on a stupid credit report had been accurate. Would I be healthy? Would my son have avoided trauma? Would my marriage have not fallen apart? XXXX should be held to account for a great deal more than they are and EQUIFAX, XXXX XXXX need to be held accountable as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer Im opting out of any and all authorizations given to report my information to any third party listed on my credit report. ( XXXX XXXX, XXXX XXXX XXXX, Eastern Account System , Inc ) Per U.S code 6802 a financial institution may not directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit reporting or other personal consumer reports

This all began in XXXX of XXXX when I received a call from someone asking for my address, last name, last four of my social my first thought was scam and ask for their communication in writing. I guess they didnt like my answer because I received two letters in XXXX one confirming my contact information and one telling me of a missed payment and I would be in foreclosure, real friendly. 
Upon receiving this letter, I called and spoke with an agent, he informed me that my payment which I send electronically every month was being held because the escrow was short {$12.00} dollars and was never communicated in any letter, so technically my mortgage was paid only the escrow was short which fluctuates from year to year. We then talked about how to correct the problem. He explains that all I needed to do was pay the balance owed and adjust my monthly payments and we did, isnt that recorded! 
In XXXX of XXXX I started looking into a XXXX to do some home improvements and investment opportunity only to find out there was a derogatory remark against my credit from Carrington Mortgage LLC saying I was one month late which has devastating financial consequences for borrowers, leading to high interest rates, and being declined for loans, investment or otherwise.

Once again, I called Carrington Mortgage LLC thinking this would be a just a customer service issue, boy was I wrong. All I got from Carrington was human robotic from XXXX # XXXX supervisor then she passes me off to another suppose supervisor XXXX # XXXX who had no more to say and do no more than she did, which lead me to file this complaint.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Experian, XXXX XXXX XXXX, XXXX XXXX, Upgrade, Sunbit and CapitalOne are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by Divine right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX by law according to 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

This company has reported numerous negative payments on my TransUnion, XXXX and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to PAANL status due to my current up to date payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX has a loan listed on my credit reports with XXXX and XXXX ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : I am writing to file a complaint regarding improper denial of medallion signature guarantee services from Navy Federal Credit Union manager ( Branch Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ). As a long-time account holder at Navy Federal , I should have access to authentication services of my personal signature for documents I need to execute as per SEC medallion standards that banks in the program must follow. On XXXX, I visited the branch and spoke to manager/ vice-president seeking to have my signature guaranteed for endorsing a security. As stated on the medallion requirements, the bank simply needed to : Validate my identity via a valid ID ( which I have as an account holder ) and Stamp my signature to certify its authenticity. However, the manger refused service and said Navy Federal does not offer anything related to medallion stamps or guarantees for personal uses- which violates the SECs program rules if true. She refused to show me any documentation or forms related to the types of Navy Federal medallion guarantee services they provide- severely lacking transparency. This denial of my basic request as a customer left me penalized and cost me unnecessary hassle finding guarantee services elsewhere, I should have full eligibility for. Later the same day I visited other Navy Federal locations to get clarity on the managers statements and was met with the same answer. I am unclear if the managers were intentionally misrepresenting services due to unwillingness to serve me, or if Navy Federal unlawfully fails to extend medallion guarantees under SEC investor protections. Either case warrants regulatory investigation and potential penalties if service was improperly denied. As an eligible Navy Federal customer, Navy Federal needs to justify why I can not avail guarantees of my signature and not a whole security allowed under established programs you govern. Comparable to a notary the notary doesn't authenticate the legal validity of the document per se. It authenticates the signature of the person that is endorsing the contract as valid and true. The personal signature guarantee is guaranteeing my signature is authentic as I place it on a security. Speaking on securities, I gave a security in the form of an application for an auto loan. Navy Federal denied my extension of credit which is clearly securities fraud. Per Navy Federal 's XXXX  Annual Report page 26 section titled Loans, an auto loan is considered a secured loan. Secured means that it was backed by collateral. You also state on your disclosures that Navy Federal does not share personal information with non-affiliates and if that is the case then you can also explain who XXXX XXXX and XXXX XXXX is?
Product: Credit reporting or other personal consumer reports

XXXX is reporting wrong information on my credit report i called today to customer care and XXXX telling him that it is against the law 15 USC 1691 against the law to report anything on the consumer report I have no written consent
Product: Debt collection

Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : XXXX. The amount of the debt you claim I owe. 
XXXX. The name of the original creditor. 
XXXX. Documentation that verifies I am indeed responsible for this debt. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A detailed account of any fees or interest that are being added to the original debt. 
XXXX. Proof of your authority to collect this debt on behalf of the original creditor. 

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 further states a consumer reporting agency can not furnish an 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 7 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Revenue Corporation has been provided my personal information and is using is without merit and authorization to report a medical collection on my credit report. I have requested multiple times to have this negative and unauthorized information removed from my credit report and been unsuccessful in getting United Revenue Corp to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple bill I received in the mail. I have never heard from the place before. Therefore I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

1. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. It's important for this date to be accurately reported and consistent across all bureaus. 

2. **Payment History : ** The payment history is not consistent across the bureaus. While some months show different late statuses ( 30, 60, 90 days late ), others show no reported history. Ensuring accurate and consistent reporting across all bureaus is essential. 

3. **Account Status : ** The reported account status seems inconsistent or contradictory between the remarks and the reported payment statuses. The account status should reflect the actual payment history and current situation accurately. 

4. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and the account status, especially with the remark " Account has been closed due to inactivity. '' It's important to clarify whether the account was closed due to inactivity or as a charged-off account.

5. **Creditor Remarks : ** The creditor remarks vary across the bureaus, with different statements about the status of the account. It's important for these remarks to accurately reflect the actual circumstances surrounding the account.

6. **Credit Limit : ** There's inconsistency in reporting the credit limit, which should ideally be accurately reflected across all bureaus.

7. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies
Product: Mortgage

The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.
Product: Credit card or prepaid card

On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

The following accounts are unauthorized or inaccurate, and I ask that you delete them 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 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 I was never late and need to be reported as current, never late, paid as agreed. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX