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

I submitted a complaint to XXXX, XXXX and Experian denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I encountered a few mistakes on the report. 
These are accounts in question : XXXX  XXXX Account type : Revolving XXXX XXXX Account type : {$0.00} XXXX  XXXX Account type : {$0.00} XXXX XXXX Account type : {$0.00} In accordance with the Fair Credit Reporting Act XXXX  Accounts number XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C.1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I demand proof Transunion contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated account or delete this fraudulent account. FCRA 611 15 U.S.C 16811.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts that have appeared on my FICO TransUnion credit report, which I do not recognize and believe are the result of identity theft. The fraudulent accounts include a collection opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my credit report. I demand the immediate removal of these fraudulent items from my credit reports and the cessation of any collection activity related to them, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

previously disputed these account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from KLS Financial Services to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then KLS Financial Services continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

KLS FINANCIAL SERVICES, Last reported XXXX XXXX, XXXX {$480.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual KLS Financial Services has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( KLS Financial Services ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and KLS Financial Services have been aware of these HIPA violations and has been asked to delete immediately. They are many XXXX violations of up to XXXX per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately
Product: Mortgage

I purchased a home in XXXX and received a small loan ( {$6300.00} ) from XXXX XXXX XXXX to cover the down payment. For the first few years, I made payments on 2 accounts each month with XXXX XXXX XXXX  to cover the primary loan and the secondary loan. 
I refinanced my home in XXXX and expected the small secondary loan would be paid off. I think it was... but I am having trouble getting confirmation of that face from my current mortgage company, Freedom Mortgage. 
I have discovered that no one filed a lien release in XXXX so the lien still appears on my home. 

I have spent more than 5 hours on the phone with Freedom Mortgage and waited several weeks for them to resolve this issue. 

They have not. 

Today I called, left voicemails and sent emails ... no one is answering or responding. I feel like they are blowing me off and no one is taking responsibility for this problem. 

This is preventing me from refinancing my home and has prevented me from taking advantage of a lower interest rate. 

Are you able to help me get a lien release from my mortgage servicer for the loan that was paid off in XXXX?
Product: Credit card or prepaid card

Purchased tickets to XXXX XXXX concert set for XXXX XXXX, from XXXX via my Capital ONe Credit card. XXXX cancelled this concert, I had the charge removed from my card and now XXXX ( who I also contacted ) said they will reschedule the concert in a year and not refunding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX - XX/XX/2022, I log-on Experian to check my credit report and score. What I notice, I had no score and couldn't understand why because I only have one secured credit card from XXXX to try and rebuild my credit. I've made several calls concerning this matter, not one Experian Representative could or just would not help me fix this problem. Employing the use of Experian boost to possibly help me generate and retrieve my credit score, it generated a credit score, but it was not the credit score prior to me viewing an invisible credit score.XX/XX/XXXXXX/XX/2022, The XXXX  XXXX XXXX XXXX telephoned me stating that XXXX the company used to process credit inquiries for XXXX  XXXX stated that there was no credit information on my credit file to pull not even a credit score as well. It was then I explained to the lender this problem I tried to get it corrected through Experian XX/XX/XXXX, no success to correct the issue. I also mentioned to the Lender that XXXX experienced this same issue XX/XX/2022. 

3. XX/XX/2022, each time I log into my Experian account this statement appears in red in the center of the page " Sorry, we can't show you today 's report. This might mean that your lenders have different personal information for you than we do. Until this issue is resolved, you want be able to see your report ''. I've read this statement several times to many different representatives it just went on deaf ears.

4. Please I need help to fix the serious problem with my credit file and get it back to a normal without Lenders having issues trying to retrieve an inquiry on my credit score or report. Please Help Me.

5. I decided to log online to Consumer Financial Protection Bureau to complete a through compliant after viewing the vocabulary typed by the representative from Consumer Financial Protection Bureau over the telephone. The vocabulary was not correctly worded as I stated, that's why I completed this online complaint XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB claim against XXXX XXXX XXXX reporting an auto charge off that is reporting after the statute of limitations. They sent a letter to me on XXXX2019 stating that this account was sold to the third party NCB Management and consequently they are not able to take any action. Now I am filing a complaint against NCB for reporting an account that is over 7 years from the date of last activity. I have included the letter from XXXX to prove that this account is over 7 years old and they can not do anything as this account was sold to NCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

I 'm not familiar with this debt and feel it should be removed. is been reporting for over 5 years and they continue to not work with me to remove it. This is hurting my family 's ability to get the financial help we need. Your help will be greatly appreciated. 

I attached the XXXX collections this same company is reporting and they 've sent harassing mail to me. I would like the all removed from the XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$940.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.
Product: Money transfer, virtual currency, or money service

When I used Zelle there was no way of getting my money back when it was sent to the wrong person. I lost money and had to pay twice.
Product: Debt collection

Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.
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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

In XXXX I paid and notified BSI of our homeowners insurance renewal. XXXX contacted BSI directly, I faxed it over. 
We received a letter in XXXX stating we didnt have proof of coverage even though we sent it. 
I called again in XXXX, upload the XXXX policy showing proof of coverage. 
Theyre still denying that we have proof. When I call and ask if the paperwork is what theyre looking for, they say yes it shows proof, yet theyre still denying it
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX/24 I sent Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over XXXX  days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting a bankruptcy on my report from LexisNexis, which shows no information verified, nor if the bankruptcy was DISCHARGE or DISMISSED. This has affected my credit report tremendously which has many errors, place by LexisNexis. As you can see United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  stated that they do not validate from consumers files, this was an error which XXXX and XXXX remove the bogus information being report. XXXX XXXX illegally keep using false information in which this has been an error for years and fail to verify that the bankruptcy was in fact error in cross reference to another individual. I have fought for years to finally have this remove DELETED from XXXX and XXXX. Therefore XXXX XXXX has provided false information and also the fact of not showing when this case was file if its discharge or dismissed. There is no verifiable information listed with XXXX XXXX. The information was verified with LexisNexis not the XXXX XXXX XXXXXXXX this agency lied to avoid the truth that the account was place in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX showed up on my Transunion credit report. It does not show up on my XXXX or XXXX credit bureau. I have repeatedly ask XXXX XXXX XXXX to remove this item from my Transunion credit report. The account # Im showing is XXXX account opened date XX/XX/XXXX account was charged off. I have never co-signed with anyone on a car loan. This is not my information I need it removed immediately.
Product: Credit reporting 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.