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

This is my official DEMAND that all the reported claims be demonstrated with factual documentation that ensures full truth, accuracy, timeliness, completeness, physical verifiability, and validity. According to relevant state and federal laws, the reporting process must demonstrate the claim ( s ) and comply with the mandatory METRO 2 COMPLIANT FORMAT standard of reporting, regardless of their truthfulness. It is not ethical or legal to assume that unverified claim ( s ) have been lawfully reported, even if they are true and valid in other respects. The ability to collect a debt or claim does not necessarily indicate its ethical and lawful reporting. All entities involved in consumer reporting, especially in cases of delinquency or derogatory information, must adhere to the reporting regulations and standards. 

Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claim ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. 

The follow currently REPORTING Personal information items are NOT EXACTLY as I above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information is The follow currently reporting Personal information items that are NOT EXACTLY the same as the above submitted and DOCUMENTED within this notice so CERTIFICATE the VALID and COMPLIANT REPORTING of any claim of related negativity any claim of related negativity associated with ANY ASPECT of personal information reported inadequately as above described. The deficient reported personal information are : REMOVE the display reported Also Known As : ( s ) XXXX XXXXXXXX, A as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is : Your full name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  reported XXXX on XXXX XXXX that I have no knowledge of and reporting company would not send me original debt verification letter. According to section 15 u.s.c 1681 [ a ] states that no consumer reporting agency can report false or incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have yet to received a response from Equifax from ANY investigation. They have continued to violate my rights and stall me out. I have sent multiple letters and multiple disputes and haven't heard back. This is so ridiculous! I am a single mom working hard to buy a home and they don't even have the decency to respond? I GAVE THEM AMPLE TIME. I believe this company should seriously be investigated for consumer violation. They are reporting incorrect information defaming my character and its hurting my life. I am XXXX single mother of a XXXX XXXX XXXX. I am working hard everyday to make sure I have a fighting chance in this world of inflation. All I asked was to be treated like my concerns was considered.
Product: Debt collection

This debt is very old. I do not owe this amount. Tried to reach out to company on numerous times to get updated letter in writing on what I actually owe.
Product: Debt collection

Sunrise Credit Services XXXX fore over XXXX months has failed # XXXX Company there Collecting For # XXXX has only my Social Security Number and was trying XXXX get more personal information I SIMPLY TOLD HIM TO COMPLY AND PROVE BY MY SIGNATURE AND COMPANY I OWE AND SEND DOCUMENTS IF ANY TO XXXX XXXX XXXX XXXX AR XXXX
Product: Mortgage

XXXX - via credit plus made an unauthorized credit inquiry to my XXXX credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today because of invalid information reported on my credit report, 'XXXX XXXX/XXXX ' XXXX  XXXX , Ohio XXXX, XXXX XXXX XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false. The inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and dispute directly through the credit bureau. XXXX XXXX/XXXX  has disregarded each attempt and continued to report damaging false information.
Product: Credit card

On XX/XX/2024 Capital One closed my credit card accounts due to a returned payment. At the time my partner was in the hospital XXXX XXXX XXXX XXXX. He actually died on XX/XX/2024. I thought there were funds in my account to cover the payments. For the last year and a half I'd paid my balances in full. I contacted customer service immediately and made payment arrangements to pay the entire balances on the three card accounts. The representative never made mention the accounts were closed. A few days later, I received mail saying the accounts were closed. I worked hard to improve my credit score maintain these accounts in good standing. I contacted there customer service and their executive office and have received the same in humane response. A flat out refusal to reopen these accounts and a refusal to change any durogatory credit this action may have caused me... I lost my partner which has devistated my life and along with his loss I have had to bear the brunt of all of our expenses as his XXXX immediately ended. A company that works with the general public on something as critically sensitive to their financial well being, has a responsibly to conduct their business fairly. Suddenly closing customers accounts is not fair or appropriate. People work hard and take pride in building their credit, All of that takes time and trust. I have built a long history witb this company. and then to have them close my accounts without any consideration of the years spent and effort made to keep these accounts in good standing is only distructive. A policy that causes purposeful harm to an individuals credit and financial well being should not exist. No one should suddenly have their accounts closed perminantly without a clear and convincing reason for taking such action. But certainly not in cases like this. This is simply gross neglegence with the financial well being of the customers they serve. It's harmful and they should o longer be allowed to perminantlt close a customer 's account with out good reason because of the damage it can causre an individuals hard earned fanancial well being.. Thank You
Product: Student loan

My loans were transferred to AES in XX/XX/XXXX. I have never been late with AES. My credit reports from XXXX to XX/XX/XXXX have not shown any late payments. Now in XX/XX/XXXX XXXX XXXX  days late entries for XXXX loans appear on my credit report for XXXX and XXXX of XXXX. My loans began servicing with AES on XX/XX/XXXX, when I received a welcome email. How can I be 60 days late in the first months with AES? Also, why is this appearing on my credit reports XXXX years later? 

I have disputed directly with AES and through the three credit reporting agencies. AES states that they feel no adjustment is necessary and my credit reports have not changed. This inaccuracy tanked my credit score. AES should not report inaccurate information about student loans or borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt XXXX. Recently I noticed my credit score dropping as the charged off balance was " increasing '' every month. We disputed it with XXXX. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting XXXX but they stated they only report what the debt collection company tells them. I can't do anything about it. TD Bank was the debt collector.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Mortgage

Ocwen is servicing a paid off mortgage that is still on title for this property. We are attempting to short the XXXX mortgages active on the property but can not continue due to the Ocwen serviced mortgage. Ocwen has refused to process a lien release because they received it from the previous servicer with a zero balance. Despite numerous verbal and written requests for the following information, Ocwen will not cooperate and provide answers to the questions below. 
1. Current status of account 2. Date of service transfer 3. Identity of former servicer 4. Identity of former/current mortgage holder
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Product: Mortgage

I resumed mortgage payments on my account normally in XX/XX/2024. In XX/XX/2024, the autopayment failed to process. I attempted to re-enroll in autopayment only to be told that a first time payment had to be made in order to enroll in autopay. I have held this loan for years and used autopayment with no issue in the past. I now have a late mark on my credit report that is at fault of the glitch in the bank 's software. This should be removed and the bank 's software system investigated.
Product: Debt collection

I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents Portfolio Recovery purchased on this account and have not received them. Portfolio keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for fraudulent and unlawful reporting practices that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The credit bureau has reported inaccurate, unverifiable, and unauthorized negative information on my consumer report and failed to fulfill its legal obligations under the FCRA. Specifically, Experian : 1. Failed to conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate disputed items promptly and thoroughly.

2. Failed to provide a description of the reinvestigation and method of verification as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), disregarding my right to understand how the disputed information was verified.

3. Continued reporting inaccurate and unverifiable information in violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information in consumer reports.

4. Reported information without a permissible purpose or written consent, violating 15 U.S.C. 1681b.

These actions demonstrate a willful disregard for federal consumer protection laws and have caused significant harm to my credit reputation and financial well-being.

The failure of Experian to properly reinvestigate disputed items or provide the required documentation of their reinvestigation process constitutes a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 1681e ( b ). Additionally, their actions in reporting information without a permissible purpose or my consent violate 15 U.S.C. 1681b.

I request the CFPB/FTC investigate these violations and take appropriate enforcement actions to hold Experian accountable for their repeated breaches of federal law. 

Attached I also highlighted on their site that they stated that the consumer can request a descriptive of their verification and they failed to supply that information when requested. If they have that information based on their investigation, then the consumer has the right to retrieve it if so a reasonable and fair investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE MORTGAGE ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND NOT VERIFIABLE. I DO NOT ACCEPT OWNERSHIP OF THIS ACCOUNT.
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 Account Name : XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX