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

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  2 co mpliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit freeze on my credit file at Experian and the other 2 agencies for 15 years. During that time I have successfully removed the freezes temporarily due to new loan or credit card applications many times over the years. On XX/XX/22 a bank I applied to for a new credit card told me that my Experian credit file was frozen and I had to remove the freeze. On XX/XX/22 I tried to remove my Experian credit file freeze and was unable to do so. I tried online and could not login. I tried clicking " forgot user name '' and it would not recognize my Social Security number and birth date, saying " not a match ''. I tried calling the Experian phone number and the automated menus would not give me the " unfreeze '' option. It treated me as if I wanted to freeze my credit file for the first time! On XX/XX/22 I sent a letter to Experian describing this problem and asking for help, using the Experian document upload facility on their website ( a copy of the letter is attached with this form ). I included a copy of my driver 's license and a current utility bill for ID. After 6 days they have not responded to me in any way. I think that their credit file for me has somehow been corrupted??
Product: Mortgage

In XXXX, XXXX we filed for Chapter XXXX Bankruptcy and at the time of the intial filing, we reaffirmed our mortgage with GMAC. The Discharge was entered on XXXX/XXXX/XXXX. We never missed a payment and never made a payment late. In XXXX XXXX, due to GMAC 's bankruptcy filing our mortgage was turned over to OCWEN and so began the nightmare. It 's been one thing after another with this company - I do n't understand how they are still permitted to do business! During a routine credit report check, I found that OCWEN is reporting our mortgage as " Closed - Derogatory '' and in remarks it states " Chapter XXXX Bankruptcy ''. In XXXX of this year, I called them and was told I 'd have to provide supporting documentation to my claim that they were no longer allowed, under the laws of the FCRA to report such things. I did so via certified mail on XXXX XXXX, XXXX. I awaited a correction to my credit report, which was never made. I contacted OCWEN again on XXXX XXXX, XXXX and was told that they were sorry for the error, they did, in fact, have supporting docs on hand and this reporting was an error on their part that they would get corrected. I just received notification from them that states they will notify the credit reporting agencies to change the remark to show the loan was discharged through bankruptcy ... what????? TWELVE YEARS after the discharge ( and REAFFIRMATION OF MORTGAGE ) the only thing they should be permitted to report is the fact that our loan has been paid on time, never late!! There should be absolutely nothing in my credit reports about a bankruptcy - is n't that correct???? We have paid and paid and paid for our financial crisis, OCWEN should not be permitted to continue this type of reporting practice! I have spent hours on the phone and writing letters to these people and I feel like I am just beating my head against a wall. I have no doubt in my mind that we are not the only ones fighting this type of a battle with OCWEN. I do n't know where else to turn. We do n't have the money to hire an attorney and should n't have to. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EXPERIAN AND XXXX XXXX REFUSES TO REMOVE FRAUDULENT/INACCURATE INFORMATION AND TO UPHOLD FAIRNESS ACCORDING TO THE FCRA!!!! 
I HAVE ATTACHED PROOF THAT THESE FRAUDULENT ITEMS DO NOT BELONG ON MY REPORT ACCORDING TO THE ITEMS NEEDED BY THE FCRA TO REPORT THIS AS FRAUDULENT BUT EXPERIAN CONTINUES TO BE WILLFUL-NONCOMPLIACE AND CAUSING ME DEFAMATION OF CHARACTER WHICH WILL BE USED AS PROOF OF EXPERIAN PRACTICING, ABBIDING AND PARTICIPATING IN FRAUDULENT PRACTICES FOR GAIN AND AT THE LOST OF ITS CONSUMERS/CUSTOMERS.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Started a loan with us bank on XX/XX/XXXX no documents were requested regarding said loan until XX/XX/XXXX after my offer was accepted on a property on XX/XX/XXXX. Throughout the process there has been a lack of communication regarding my loan and documents needed. My original loan officer XXXX XXXX actually resigned during the middle of this process and it was handed to a manager by the name of XXXX XXXX ( phone XXXX ). XXXX has been extremely slow to communicate throughout the process, communication from him is typically after business house between the hours of XXXX. With the delay in information my closing was set for XX/XX/XXXX which has been pushed back multiple times and now leaves the sellers of the house potential being XXXX  as their buyer is no longer willing to extended the contract on their home to purchase. I can supply emails and text treads throughout this process to show of the delays. My loan officer XXXX  fore refuses to call me or ask for any information, she speaks to third parties and not myself directly. This case has caused me to miss numerous hours of work as well as pain and suffering from miscommunication
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXXThis is response to complaint- XXXX, sent by you on XXXX XXXX. 

I have sent you, My Id, my Identity theft report and a letter stating my cliam. 

Ireferyou to 15 U.S.CODE 1681-C-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. 

A. Except or otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an aleged identity theft, no later than 4 business days after the date of receipt by such agency.

1. appropriate proof of the identity of the consumer. ( attached is my drivers license front and back in PDF ) 2, A copy of identity theft report.

3. The identification of such information by the consumer 4. A statement by the consumer that the information is not information relating to any transaction by the consumer. 

( C ) AUTHORITY TO DECLINE OR RESCIND. 

( 1 ) IN GENERAL.

a consumer reporting agency may decline to block, or may recind any block, of information relating to a consumer under the section, if the consumer reporting agency REASONABLY DETERMINES THAT- ( A ) the information was blocked in error or a block was requested by THE CONSUMER in error. ( I have stated it in my letter. ) ( B ) the information was blocked in error or a block was requested by the consumer on the basis of a material misrepresentation of fact by the consumer relevant to the request to block : or ( it was not in error as stated in my letter. 
( C ) the consumer obtained possession of goods, services or any money as a result of the blocked information. ( I have not ) These are the federal consumer laws. Everything else you requested else you requested in your email dated XXXX, XXXX XXXX is not relevant. 

Your company policy is not above the law, therefore you must block and delete the mentioned accounts or you will be in default. 

Regards,
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states 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 or 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

They sent me a notice in XXXX, 2015 that said that they were increasing my principal balance by {$1700.00} because the amount transferred to them was wrong. No further explanation.
Product: Debt collection

In XXXX I called Central Financial Control about a medical bill that had been turned over, I told them I could pay $ XXXX monthly, which I have been paying faithfully since XXXX XXXX, yesterday XXXX/XXXX/XXXX, I saw that this account has been placed in collections and it is showing on my credit report, furthermore it is showing on there under XXXX different collections name. I did not get any notice after my call in XXXX and they have been receiving the payments. I feel like this is unfair, I should have gotten some sort of notice before it was added on my credit report,
Product: Credit reporting or other personal consumer reports

I am writing regarding my account [ XXXX ] with XXXX XXXX XXXX XXXX XXXX Please note that I am not disputing any charges or balances associated with this account. However, for my own internal records, I would like to request the following information regarding the charge-off :
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down XXXX points on XX/XX/XXXX for no reason. I need someone to investigate this as it is unfair and unjust. Only thing I can see is the high balance from XXXX XXXX  states a balance of {$5000.00} from XXXX to XXXX and that is not the case as I only owe {$230.00} and made payments monthly.
Product: Credit card

I received a virtual American Express pre-paid gift card from a friend about a year ago. I tried using it this past spring on an XXXX purchase. The order was declined. 

I called the Amex support phone number and followed the instructions to check the card balance by visiting https : //balance.amexgiftcard.com/ and inputting my card 's information. Upon doing so, I received an error. I still receive this error a half a year later. 

I called the Amex support phone number again and made my way through the prompts to speak to a human. While they were able to confirm the balance of the card, they were not much help. They suggested that I try using the card number ( I don't have a physical card, just the card info ) at another vendor. 

I made a few more calls back to the Amex support chat to see if I could get a human that had more or better information. The only other suggestion I received was to try using it at a physical location ( hard to do when you just have the card information and not a physical card ). 

I did some reading online and found many people were having the same issue using their pre-paid cards. Some had success adding the card to their virtual wallet first and then using it ( mostly XXXX wallet ). I added the card to my virtual wallet ( XXXX XXXX ) and tried making a purchase. That also was declined. 

About a half a year later, I tried again to add funds to my XXXX account. That was also declined. I called the AMEX support line ( XXXX ), which confirmed the balance was all there again and noted that my recent transaction with XXXX was declined. This time there was no option to talk to a human. The only helpful prompt was a recording on how to make online purchases. The recording mentioned that some vendors XXXX decline the payment as pre-paid cards do not have an address associated with them. The recording 's recommendation was to reach out to the vendor. 

So that is what I did, I contacted XXXX. After some digging, the XXXX representative was able to determine that the transaction declined from the AMEX side and not the XXXX side.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX 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 an account without written instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 a collection from national credit systems appeared on my credit. The collection is attached to an address of XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have never lived there and this collection is not mine also alongside there were several inquiries to my credit which are listed in this FTC, which I have attached to this Complaint, I have numerous issues with this in the past Ive been victim of identity theft, and these things happen with this particular credit bureau. The amount is only {$75.00} but it does not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

I was not able to access my loan online and that caused me to miss a payment and my credit score dropped severely.
Product: Debt collection

Mountain run Solutions are reporting a debt that would have been over ten years old if it were true. I have not had any contracts or services with XXXX since XXXX and do not owe any money. Original contract started in XXXX.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX