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

I, XXXX XXXX, the affiant, submit this affidavit with clean hands as the living woman to address unauthorized actions by this credit reporting agency, known as XXXX, XXXX, XXXX and other third party companies. 

This affidavit addresses serious issues, including character defamation and identity theft, as defined in 16 CFR 603, which prohibits the use of another person 's identification without authority. 


In relation to the permissible purposes of consumer reports under FCRA 604 ( a ) ( 15 USC 1681b ), it is asserted that there was no written consent from me, the consumer, for this consumer reporting agency to furnish and house my information without lawful authority. While 15 USC 6802 may suggest exclusions, it also states that the consumer reporting agency is in accordance with the Fair Credit Reporting Act.

According to 15 USC 1681a ( 2 ), transactions between the consumer and the person making the report are supposed to be excluded from my consumer report. These rules of construction govern the terms, emphasizing that such actions must not appear on my report without proper authorization. 

With this in mind, if you assert that I received goods or services in exchange for any of these unauthorized transactions reported on my consumer report, you must provide a signed and notarized affidavit from a party within your corporation who is authorized to do so and possesses firsthand knowledge of these transactions. 

I demand the following actions to protect my reputation as the consumer : 1. Delete all risk factors immediately to safeguard my reputation.

2. Remove all inquiries permanently from my credit report.

3. Remove any fraud alert once all matters have been resolved.

4. Eliminate any delinquencies immediately.

5. Restore or delete any late payments from my credit history. 

The presence of multiple installment and revolving accounts with delinquent or derogatory statuses, along with insufficient credit history, negatively impacts the consumer 's credibility and perceived financial reliability, potentially limiting their access to loans, credit, or housing, while also representing private matters that should not be publicly disclosed. 

The principle that is it a fault to meddle with what does not belong to or does not concern you underscores the gravity of these violations. My rights have been compromised, and I hereby demand the blocking of associated information pursuant to FCRA 605 ( b ) ( 15 USC 1681c-2 ). My request to block is made in good faith and is not based on any misrepresentation of facts. My nonpublic personal information has been unlawfully disclosed, resulting in defamation and emotional distress, which have hindered my pursuit of happiness. 

Furthermore, I will not accept a wrong without remedy. Should these matters not be resolved promptly, I will pursue civil action under 12 CFR 229.21 ( Civil Liability ) and 15 USC 1681n for each instance of non-compliance. 

I affirm that all statements herein are true and correct, and I have attached a list of accounts opened due to identity theft.
Product: Credit card

Attached are documents for your review. I urge the bureau to commence an investigation into these accounts, as I have never been late with payments despite the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I disputed the validity of my bankruptcy to XXXX, XXXX, and Experian. All 3 bureaus in XX/XX/2020 replied that they verified my bankruptcy through a 3rd party vendor XXXX XXXX. I find that hard to believe since a security freeze was placed on my XXXX XXXX file in XX/XX/2020. There is no way the credit bureaus verified my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

According to : 15 U.S.C. 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

THIS IS NOT A DUPLICATE- I received a response from XXXX XXXX regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to Equifax, XXXX is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. XXXX is reporting to Equifax and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

XXXX is reporting with Equifax that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX  and XXXX, XXXX reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.
Product: Debt collection

I faxed the mortgage company Select Portfolio Services the 2011 Chapter XXXX discharge court case last week. Select Portfolio Services continue to report the mortgage loan on my credit report, and I was called today about the mortgage payment for the month of XXXX. They informed me that they are attempting to collect a debt. This liability was never reaffirmed and was included in Chapter XXXX, which as discharged in 2011. The representative from Select Portfolio Services informed me that they are aware of the Chapter XXXX discharge, but that I still owe the debt since they hold the lien to the property.
Product: Debt collection

I paid the XXXX $ eviction debt in full. The collector promised to remove it from my credit report. They did not and its a huge hindsight on my credit score especially since Im seeking housing at the same time XXXX $ is a huge debt to pay and not have it honored. Getting the run around.
Product: Credit reporting or other personal consumer reports

I have emailed their support group multiple times the check numbers for payments mailed and they literally never get back to me. This company is an absolute disgrace and should be disbanded. They are in the business of ruining your credit instead of working with you. They delay processes and provide XXXX solutions emails sent in XXXX, XXXX, XXXX and XXXX all unanswered and ignored. Their previous responses are false as they provide XXXX proof of any emails back or checking their XXXX XXXX for payments sent. It is disgusting. My address sorted for junk and internal all show me talking to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance and Huffman LLC added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my HOA. This debt could not have been validated by Vance and Huffman because it is not my debt and does not match my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion a few times by mail and phone about incorrect and fraudulent information showing on my Credit File. I  first contacted them by mail approximately around XX/XX/XXXX to dispute the inaccurate information on my credit report and I called TransUnion about a month later around XX/XX/XXXX to follow up on any updates about the items I disputed. I actually called them a few times around this date only for them to keep telling me that I must contact the creditors to dispute the items with them, TransUnion even sent me mail but only about one of them several items I disputed that was a verification letter for the capital one account I disputed. And they never sent me correspondence about the other items. However those items still remain on my account. 

I initially contacted TransUnion feeling that I was a victim of identity theft and I don't feel they followed the proper procedures of the Fair Credit Reporting Act. And by them never responding to the other items on my credit report, I feel like they never did a proper investigation. 

Below are a list of items I disputed due to fraud or incorrect information : XXXX XXXX XXXX  XXXX  : Credit Card Closed on XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX XXXX XXXX : Collection account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX : Closed account opened XX/XX/XXXX XXXX XXXX : Closed account opened XX/XX/XXXX Dept Of Ed XXXX XXXX XXXX Closed account opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  : Account number : XXXX This account was reported as account charged off/written off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged off. I don't believe the status of this account is accurate either. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT. NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISLATION, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXXXXXX XXXX failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in XXXX  dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Well, I've had a {$1300.00} credit card invitation from Capital One Bank in XX/XX/XXXX, and I had it. But after 3 years, my credit line never increased instead I was sent another {$1000.00} credit card known as " the Spark ''. I refused it, threw it away two times. The third time, I went to their XXXX Branch, TX and handed it to their manager that if I couldn't qualify for an old line raised, I couldn't take another card. The manager tried to push it, but I refused it again. 
The 4th time I guess, I had it again, I took it to the same branch and argued it be removed from mailing it to me, but he told me that " ... it was good for gas since I XXXX XXXX ... ''. 
Now I had two lines, paying them separately for no problem, but one day, I when in to put some money into my checking account and to pay the new account, then the account number didn't match with the number I've had written checks for its payment. I didn't trust it, but I was sent up and down like I didn't know what I wanted. 
Lastly, the XXXX Branch, being their headquarters, sent me to a small branch near XXXX XXXX XXXX, and I met with that manager, I related my experience and he'd called their 1800 number that " now the guy is talking.. ''. He made me mad that they had purposely switched my accounts with another account, I never got an explanation about my issue. 
So I was driving to XXXX, ND for a paycheck job in their XXXX, and I stopped to check what happened, but I was treated harshly, so I knew my identity was used to open the 2nd line of the " Spark '' card. 

No one has ever called, wrote or anything to my attention, except a company sent a collection letter from XXXX, TX that they need me to pay. I called their number, and I couldn't get the right information. 
Now, a collection company known as " XXXX XXXX XXXX '', calls me almost everyday that I owe them. I told them to send me a bill, take it to court or forget it. 
But they keep calling me. 
Capital One is a scammer! 
XXXX XXXX XXXX had done the same thing to me credit card account even though I was with them since the year XXXX when I was an employee of XXXX XXXX, XXXX at the XXXX XXXX. 
When I had complained to their manager, I was dumped with some {$10000.00} into my checking account. I requested it be removed, but I was left standing at their cashier 's window until I left. So I hired an attorney, Mr Attorney XXXX XXXX XXXX, XXXX, TN. However, after I had paid him, he told me that he didn't ask for any monetary settlement, he found that the bank had 4 different credit cards in my name although I had only one in my person. So I didn't pay that account, I didn't close it and I never got a bill about it! 

As for Capital One, if I couldn't qualify for a 3 year-old line of credit, I shouldn't have the {$1000.00} different line of credit card. They had studied me and wanted to log me in credit card debt! 

I might have some of their documents with me in a public storage room here in NV. 

Thanks! 

Very sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I tried to get an American Express, XXXX XXXX, card. 
It was rejected because they stated that XXXX stated I had too many bank card accounts. 
I contacted XXXX and they stated they never disclose this kind of information. 
I have a credit score with them of XXXX have in XXXX years never missed a payment or been late on a payment. My credit score with XXXX is XXXX. 
They stated I have too many cards open. I only have XXXX credit cards and have had them for years. 
The reason for wanting the new card is I take care of a XXXX XXXX XXXX lady and her thread bare carpet is a danger to her falling. Since the cost of the carpet and new vinyl is {$7000.00} I could use the card to get significant airline miles. In rejecting the card they are, in essence, cheating me out of those miles. 
American Express says because of this fraudulent information they will not issue me the card even though XXXX adamantly denies they disclosed this information. American Express refuses to show me the denial. 
A friend who is an attorney states credit card companies will often generate false information to discourage a customer from getting the card as someone who has excellent credit is not the kind of customer they want as we dont generate interest income for them. 
I then applied for the same type of deal with XXXX XXXX, XXXX XXXX and it was approved in less than XXXX minute. 
I have a copy of the denial letter from American Express.
Product: Debt collection

When the man called I answered an said who is this he said you know who the XXXX this is why the XXXX you keep disputing this I said what an he said that XXXX  {$440.00} XXXX going to keep it on your credit an you going to pay me XXXX. I told him if you call again I will report you because I dont know what you are talking about what ever it is its not mines. He said well you going to pay it anyway its on your credit XXXX XXXX lady. I hung up he called from Anonymous then he said I will keep calling XXXX. I blocked that number he did it again. XXXX : XXXX. It was off my XXXX XXXX an its back on there again.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I received a letter stating that my student loan was paid off. Now nelnet claims I still have a balance to be paid
Product: Credit card or prepaid card

Capital One refuses to give me access to my account. For four months, they have been charging me and charging XXXX XXXX for an account they restricted because they refuse to allow my auto payment to process. My account was set on autopay since i had the account and unbeknownst to me, it stopped autopay and cause my account to be late. I Have called several times each month to speak to Representatives and i keep getting the same representative who refuses to send me to a manager and keeps making me send pictures of my license, for fraud team to review and months go by and no one calles me back or has any update. They keep charging my account but refuse to allow me to resolve the issues. I called have phone call log proof of me calling and the representative verifying that the license pictures were approved and waiting for response and promised I would hear back. This was XX/XX/2020. It is almos a month from then and have not heard anything no one has called, account is mow charged another laye fee for another month when i have restricted access. I have confirmation from the fraud tram that the pictures uploaded successfully and I should not have anymore issues and the late fees will be redacted from my account as well as my credit file and have yet to get to see anything of this.
Product: Credit reporting or other personal consumer reports

This account is a fradulent account i have attached my FTC Report along with this. I was XXXX when this account was opened.
Product: Debt collection

I recently Asked collection agency to send me a sign contract with the creditor which i didnt Receive what i got Was a copy of a print of a bill that shows nothing at all
Product: Checking or savings account

I have been trying to resolve an issue with my checking account, for unauthorized cash withdrawals that resulted in {$520.00} being withdrawn & debited from my account on XX/XX/2022. I have called & written my bank several times, with no resolution except a standard response " We've conducted our investigation using the information that you provided about the dispute. With the information we had, it was'nt enough to support your claim and resolve the dispute in your favor. Please contact the merchant directly if you wish to pursue this matter further '' This is a bogus & ridiculous response, because there is no merchant involved except my bank that processed the unauthorized cash withdrawals, & charged the extra fees for the withdrawals. I have called and written for over six months now attempting to resolve this very stressful matter.