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

I need to file a dispute on Experian Credit reporting agencies this is My 3rd and Final written Request to Experian Before taking Legal action on this Company. I have asked them for Physical Proof of disputed items on my credit report but they fail to respond to my Request! This is a clear Violation of the FCRA. They keep saying that they have CERTIFIED verified these accounts with the creditors But they are not sending me any of the information that I have asked them to send me such as the ( ORIGINAL CREDIT APPLICATION WITH MY SIGNATURE ATTACHED TO THAT APPLICATION ( FCRA 609 609 ( a ) ( 1 ) ( a ) I WOULD THINK THE CREDITORS WOULD HAVE THIS INFO TO GIVE TO EXPERIAN IF THEY CLAIM THAT THEY HAVE CERTIFIED THE ACCOUNTS IN THEIR INVESTIGATION THIS IS THE INFORMATION I NEED DURING THIS DISPUTE PROCESS FROM EXPERIAN! THEN I GET ANOTHER LETTER FROM EXPERIAN SAYING THAT THEY WILL NOT DISPUTE THE ACCOUNS ANYMORE UNLESS I HAVE SUPPORTING DOCUMENETS WHICH CONFUSING ME AND THIS IS WHY IM ASKING EXPERIAN FOR THE SIGN CONTRACT! BUT SEEMS TO ME AS EXPERIAN IS NOT DISPUTING THESE ACCOUNT THAT I HAVE ASKED THEM TO WITH THE CONFUSING RUN AROUND THAT THEY ARE GIVING I NEED THE CREDIT APPLICATION WITH MY SIGNTURE ATTACHED TO PROVE THAT THESE ACCOUNTS HAVE BEEN VERIFIED AND DISPUTED ACCORDINGLY. THIS WILL BE MY FINAL TIME ASKING FOR THE ORIGINAL SIGNED CREDIT APPLICATION BEFORE TAKING LEGAL ACTION I HAVE ALREADY FILE SUIT IN COURT ON EQUIFAX AND I WILL NOT HESITATE TO FILE LAWSUIT ON YOUR COMPANY THIS IS NOT A THREAT ITS THE TRUTH I HAVE ASKED YOU TOO ME TIMES FOR THE INFORMATION LISTED ABOVED BUT YOU WILL NOT REPOND OR DELETE THE INFO THAT I HAVE ASKED for WHICH IS A VIOLATIONS OF THE FCRA. 
Experian I do have supporting documents for the disputed accounts see attached File this is my final and very last time asking for this information or you will see me in court and I will sue you for {$1000.00} per each disputed accounts and credit inquires if you do not send me the sign documents with in the Next 30 days or have these unverified accounts deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried with XXXX XXXX on multiple occasions to have to validate and remove debts that do not and are not ever associated with me. I asked them how they can keep allowing these things to be reported when they dont belong to me, never been in any address Ive ever lived at. They continue to tell me why you have to contact the creditor. In other words, they are not properly verifying collections accounts they are placing on peoples credit. Not only that I sent to dispute letter and their response was they dont believe it came for me so theyre not going to investigate
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate unverifiable information on my consumer report. Transunion is violating the FCRA.
Product: Credit card or prepaid card

Date XX/XX/2019 {$150.00} XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that screenshots of XXXX owner promised to give me a refund but chase thought the charge is still valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the fraudulent items still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, I am complaining. These are the fraudulent accounts that I want you to assist me in removing these all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Venmo froze my account for no reason and won't let me get my own money out of my account. They are refusing to let me withdraw my own money and are holding it hostage for no reason. They sent a email on Thursday making things up about me and saying they were going to freeze my account. They never came up with a solution and instead created more problems and sent money back to someone who bought merchandise from me that had lied on me to try to get their money back. Now they just sent me a email today Sunday saying they permanently deactivating my account saying i violated user agreement which i never did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are not mine they are a result of identity theft attached are a report of my ftc ..please delete these inquiries.
Product: Student loan

I have a question about my student loan and I dont really dont know who to turn to. 

To make a long story short, I originally borrowed {$24000.00} between XXXX and XXXX. To date I have paid {$27000.00} of the loan back. I have faithfully paid my payments for 14 years only having to do a forbearance 2 or 3 months for the life of the loan. I even paid my normal monthly payments for the 3 years during covid in which I didnt have to and no interest was suppose to be accruing. 

Currently, I still have {$28000.00}. I feel like Im getting ripped off. I never expected to loan to be given to me but this is ridiculous. I feel like its predatory lending. 

Do I have any recourse? 

Any assistance or guidance you can give me would be much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Home Equity Line of Credit with a {$0.00} balance at XXXX XXXX. On XX/XX/2020, a representative from XXXX XXXX ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from XXXX. 

On XX/XX/XXXX, I called XXXX customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to Equifax. This was done without my authorization. No one from XXXX has contacted me since these events.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a review of my report to make assessments of the accuracy of the report. I have been encountering issues with acquiring credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency : Contract Caller Inc.
Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date?

At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State, Zip ] XXXX [ Phone Number ] [ Date ] Fleet Response XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) Subject : Notice of Intent to Pursue Legal Action for Non-Compliance and Erroneous Reporting Dear Sir/Madam, I am writing to express my deep concern regarding inaccuracies in my credit report, which I previously brought to your attention on [ reference the date of the previous dispute letter ]. Despite my efforts to rectify this situation, the inaccuracies remain, indicating a concerning disregard for my rights under federal law. 

The disputed information includes, but is not limited to, the following account names and numbers as they appear on my credit report : The Fair Credit Reporting Act ( FCRA ) entitles me to an accurate credit report, which includes the correction or removal of erroneous, inaccurate, or outdated information in a timely manner. Additionally, the XXXX XXXX Compliance guidelines mandate that you uphold the highest standards of data accuracy. Your continued failure to address the inaccuracies in my report is a clear violation of these guidelines.

I urge you to rectify these inaccuracies within 15 days from the receipt of this letter. Should you fail to do so, I will be compelled to explore all legal avenues available to me, including filing a lawsuit for non-compliance under 15 U.S. Code 1681i. This could result in statutory and actual damages, attorneys fees, and court costs.

I trust that you will handle this matter with the urgency and seriousness it warrants.

I anticipate a swift response and a corrected copy of my credit report within the specified timeframe. Any failure on your part to meet this obligation will leave me with no choice but to seek all remedies available under the law. 

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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

I lived at XXXX XXXX apartments in Colorado. On XX/XX/XXXX I signed a Lease Modification Agreement stating a new lessee would be taking over the lease. I moved out of state at that time. In XXXX, a new lessee incurred a debt of {$380.00}. I first saw it on my credit report in XXXX during free credit report check. As soon as I became aware, I contacted XXXX  as well as XXXX XXXX XXXX XXXX XXXX Both took this debt off. When I applied for apartment in the year XXXX, I was denied several times. I was given a copy of my credit report and saw that the debt of {$380.00} was on XXXX  and XXXX  credit reports under a different company called National Credit Systems. I disputed it several times. I sent the Lease Modification Document to NCS and XXXX  several times, ant to XXXX  once. XXXX  and XXXX  refuse to remove this debt because National Credit Systems states that this debt is valid. THIS DEBT IS NOT MINE. I have called and sent several emails to NCS with attachment of the document that proves the debt is not mine. No reply. This debt is NOT mine, but National Credit Systems refuses to remove it. I also called XXXX XXXX apartments, and they confirm that the debt is not mine, stating that they neglected to send Lease Modification Document when they were filing for debt collection. On XX/XX/XXXX I contacted XXXX XXXX XXXX out of frustration and as a last resort, and NCS still refuses to remove the debt from my credit report. XXXX XXXX stated on XX/XX/XXXX that they have furnished NCS with a letter stating this debt is not mine in the previous week. It is now the next month, and NCS still have not removed this debt from my credit report. This debt, which is not mine, has resulted in me being denied housing several times. I need it removed from XXXX  and XXXX  NOW.
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX an employee of Javitch Block LLC filed a civil court case IN THE XXXX COUNTY MUNICIPAL COURT IN XXXX COUNTY OHIO. JAVITCH BLOCK LLC is a debt collector and per their website ( XXXX XXXX XXXX ). XXXX XXXX XXXX mis-represented her self and company as an attorney for a company XXXX XXXX XXXX XXXX, when in fact their main activity is debt collection because principal purpose of Javitch Block LLC qualified him as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave Discover FIN SVCS any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Discover FIN SVCS Account # XXXX I was never late, 30, days in XX/XX/2019. 
Im not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

I asked XXXX to investigate these accounts, and, inquiries that are on my account, that are not, and, were not, authorized by me..I sent numerous letters out on XX/XX/year>
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. Have never had a {$270.00} payment or bought vehicle XX/XX/2020. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting or other personal consumer reports

report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( An FTC REPORT ONLY ALLOWS TO ADD XXXX inquiries, and there are more than XXXX fraudulent and unverified accounts being reported.
Product: Student loan

Aidvantage student loan company was directly involved with my concern. I filed bankruptcy in XXXX included the student loans as part of the bankruptcy. I sent it out undo hardship letter to the bankruptcy court, and directly to the lender. My Bankruptcy was discharged back in XXXX as a dis charge. I read an article XX/XX/XXXX that Aidvantage bank was not granting Bankruptcy discharges as a matter of clearing the debt with the student loans. Per the instructions I needed to file a complaint. My student loans was {$81000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX BANK Account number XXXX XXXX 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 stares a consumer reporting agency can not furnish a account without my written instructions 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

I respectfully ask for your urgent assistance to have the XXXX XXXX XXXX to send me my credit card at my mailing address on file with them. Reference number XXXX person to inform their name are below. 1.XXXX XXXX VP , Global New Accounts 2. XXXX XXXX Customer Advocate Services Team Please correct my mailing address to : XXXX. XXXX XXXX XXXX, Guam XXXX
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Permanent Deletion of Negative Items from Credit Report Dear Equifax, I am writing to request the permanent deletion of the following negative items from my credit report, as per the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The information provided is inaccurate and has caused significant harm to my creditworthiness and financial well-being. 
The negative items in question are : XXXX XXXX XXXX XXXX. 
I have previously submitted disputes regarding these inaccuracies and have not received satisfactory responses or corrections. Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Please be advised that if these items are not permanently deleted from my credit report within 30 days, I will be left with no choice but to pursue legal action to enforce my rights under the Fair Credit Reporting Act. 
I have enclosed copies of my previous dispute letters, credit reports, and any supporting documentation for your reference. I expect your immediate attention to this matter and a prompt resolution. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Product: Checking or savings account

With my bank I filed a claim that on XX/XX/2021 that a transaction was made of {$4100.00} that I didnt give permission for. The bank denied my claim. They didnt even give a reason of doin an actual investigation. They put fraud on my account and issued me a new card.