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

I am sending my CFPB complaint today to inform you that this is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular accounts position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct these accounts which are inaccurate from my personal credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance XXXX ; US DEPARTMENT OF EDU XXXX Opened XXXXXXXX XXXX XXXXXXXX Balance XXXX
Product: Checking or savings account

XX/XX/year> Im XXXX days late receiving my deposit funds. Capital has no information on when they will send me my funds. A fair resolution would be to received my funds plus an additional money for all the late fees and difficult time my familys and I are facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that 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 items of information, other than records of convictions of crimes which antedates the report 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

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). 

On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. 

On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. 
XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. 

XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. 

XXXX also failed to respond to the email that she sent directly to me. 

LexisNexis is now in default as they have failed to respond to the notarized Affidavit. 
LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. 

I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. 

LexisNexis was also given a direct phone number to contact me. 

As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the end of the XXXX of XXXX, I received the notice about upcoming payment from the XXXX XXXX bank. I contacted the bank to verify which card it is ( I opened new account back in XXXX, so I tried to clarify if it is the same or not ), whenever representative confirmed that it is 2 different banks and they dont work together, I stated that I never open the account with XXXX XXXX and not aware of this account. They suggested to file dispute due the fraud or contact their Fraud department. I did file the dispute with Experian on XX/XX/XXXX, the response from the bank were that they wont dispute the account. I called to XXXX on XX/XX/XXXX, filed claim over the phone with them. Been told that I will receive the call back from fraud department - no one reached me back. Called back to XXXX on XX/XX/XXXX, rep claimed that they sent me some paperwork to email, which I never received ( nothing in the inbox or spam folders ). They re-set the email and send it back to me, an hour left - still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I called XXXX XXXX XXXX XXXX  to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX, a debt collection agency that has violated my consumer rights as protected under the Fair Debt Collection Practices Act ( FDCPA ). I believe that this agency has engaged in deceptive and prohibited practices by listing and attempting to collect a debt they do not legally own. Despite request for verification and validation along with proof of alleged debt via certified mail, XXXX stated they are not required to send notices through certified mail. 
XXXX has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Based on XXXX 's response to the CFPB complaint submitted on XX/XX/year> ( document attached ), XXXX admitted in the response that they are not the current owner of the account thus should not have sent nor listed the account to be reported to my consumer reports -- damaging my credit, adversely affecting my credit score and causing significant undue stress by violating my rights. In my previous complaint, I revoked all rights of XXXX communicating through email/text/telephone calls. On XX/XX/year>, I received a voicemail from XXXX which is a violation of my rights.
Product: Debt collection

Please sees attached dispute letter that contains account numbers, dates. I have also attached my FTC report that I filed in response to the fraudulent account placed on my credit report. I have also included my identification card and my current lease that verifies my address.
Product: Checking or savings account

I found " XXXX XXXX XXXX '' amongst other bonds. XXXX XXXX XXXX Bank, XXXX XXXX branch in New York issued this bond to me ( maiden name XXXX ) in XXXX of 1972. When I found it, I went to my local CitiBank branch in XXXX, NJ to cash it in. I spoke with a banker named XXXX XXXX, who told me there was no way to cash in the bond because systems were entirely different than at the time of the issue. He gave no further suggestions about how to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$140.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$710.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have noticed that XXXX, Experian, and XXXX are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA XXXX, XXXX, and Experian need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, XXXX is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Aim submitting this complaint to you today to request that they provide me copies of documents bearing signature to verify the status of the disputed accounts. If XXXX failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Late Date XX/XX/20
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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

I want this account these accounts to be removed from my credit report as soon as possible these do not belong to me. I deserve to be compensated because of the trouble and embarrassment that i have gone through just because of these accounts
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 ( all 3 bureaus ) 60 days late as of XX/XX/2017 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in national data breach and a validation of debt Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to get the CRAs to abide by FCRA and CFPB, I am not request for Experian, XXXX, and XXXX to permanently delete the accounts that ( has been attached to the file ) for deletion according to FCRA 611 ( a ) [ 15 U.S.C 168ii ( a ) ] and section 609. These items are that I am disputing are required to be re investigated or deleted from my credit report within 30 days. I AM NOT ASKING ANY OF THE CREDIT REPORTING AGENCIES TO VALID WITH THE CREDITORS, I AM DEMANDING THE CREDIT REPORTING AGENCIES TO VALID THE DEBT. ACCORDING TO FCRA SECTION 609, THE LAW FCRA 15 USC 1681 STATES THAT THE CREDIT AGENCIES MUST VERIFY ALL INFORMATION THAT THEY RECEIVE FROM BANKS, CREDIT CARD COMPAINES, PRIOR TO BEING PUBLISHED ONTO MY CREDIT. THIS INFORMATION IS ALSO PRINT IN THE GUIDE FOR FEDERAL CREDIT BUREAU, SO I AM DEMANDING THE EXPERIAN, XXXX, AND XXXX TO SEND ME A COPY OF THE ORIGINAL SIGNED DOCUMENT FROM WHEN I OPENED THE ACCOUNTS. IF YOU ARE CLAIMING THE INFORMATION IS VALID/VERIFY/AND OR CORRECT I AM REQUEST THE CRA 'S TO VALIDATE AND SEND ME PROOF OF CLAIM. YOU HAVE 30 DAYS PER FEDERAL CREDIT BUREAU, CFPB, AND FCRA TO PROVIDE ME WITH PROOF OF CLAIM. 
FCRA SECTION 609 ( C ) ( 2 ) ( e ) also advise if the accurate negative information in the consumer credit profile is unable to verified, the reporting agency is required to delete it. 


I AM DEMANDING THAT THE CREDIT REPORTING AGENCIES " TO PROVIDE VERIFIABLE PROOF '' ORINGAL DOCUMENTS RECORDS THAT YOU MUST KEEP ON YOUR DATABASE PER FEDERAL CREDIT AGREEMENT WITH XXXX.
Product: Credit reporting or other personal consumer reports

I spoke with customer service to report fraudulent inquiries, that are possibly due to their security hack, yet the individual stated they would open up an investigation, but they did not. Nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MI XXXX Collection Acct : XXXX Request for Debt Validation Pursuant to 15 U.S. Code 1692c ; 15 U.S. Code1692g & 15 U.S. Code 1681 e ( b ) Account Number XXXX This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation lo pay you. If the debt can not be validated as requested by law, you are required, by law via 15 U.S. CODE 1635 & 15 U.S. Code 1692g to delete/remove this " Charge off '' from my credit file. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962c ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act Your illegal reporting of this alleged debt has adversely affected my ability to secure housing, a new car loan and new credit cards with favorable terms. 

You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Nole : This notice Is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for Information only and is not a statement, election, or waiver of status. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.
Product: Mortgage

Hello! I am trying to get a release of liability on my Shared Appreciation Modification with Ocwen. Need to get my ex husband of XXXX years off the loan. I have paid the loan on time for 4 years just me. I was denied - the reason is WHY is why I am contacting you. I was denied due to a foreclosure. I have paper work from the courts of where Loan company put a foreclosure on my record in XXXX and removing it in XXXX when I signed the SAM. They said I had to wait 7 years before the release of liability. How can I have a foreclosure on the house I am living in. Also now I have researched and saw a lot of bad things about the SAM. I am trying to refinance and now I am seeing lots of issues with the agreement I signed. YIKES. Presently I am asking help on the foreclosure business .... So was there a foreclosure and can they really deny me for that reason? I show it was dismissed without prejudges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account 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,