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

I am currently investigating and building a case against Experian for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from Experian, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
Experian refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from Experian. XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. Therefore, the XXXX XXXX, ( four times ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX  data breach and am therefore requiring Experian to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, Experian placed a fraud alert on my credit file without my authorization which is fine, however they still have not provided me with any proof of any permissible purposes. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Credit Bureau Account # XXXX Name : XXXX XXXX  Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency <name the company> myself, and they have failed to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have been using XXXX XXXX gas rebate card since  1997. Recently, I had entire balance as they were charging very high interest. A few days back they have suddenly reduced by credit limit from XXXX to XXXX. They have not intimated or given reasons. This has caused me undue hassles and put our family in jeopardy.I would like a thorough investigation on this, and do me justice. A card company should be regulated on their actions, they can not arbitrarily affect a consumer.
Product: Debt collection

AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.
Product: Debt collection

I was contacted by, Credit Bureau Associates, a debt collector, via text nessage on XX/XX/XXXX. I opted out by replying " STOP ''. The same company has contacted me two additional times from the same phone # ( XXXX ) regarding the same account. The second contact via text was received on XX/XX/XXXX. Again 1 opted out by replying " STOP ''. The third contact via text was received today XX/XX/XXXX. And once again I opted out by replying " STOP ''. Screen shots of the texts are attached below.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX  XXXX XXXX Account NumberXXXX Please investigate and delete it from my credit report. 

XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account NumberXXXX Please remove from my public record XXXX XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me.
Product: Checking or savings account

I am writing to lodge a complaint against my financial institution, Chase Bank. 
On XX/XX/2022 I received a phone call from XXXX XXXX with the Chase Fraud Department. Out of caution and for verification purposes I did a reverse phone number search while speaking with her on the phone. She called from XXXX. She inquired as to if I had made a purchase at XXXX XXXX in XXXX, Arizona. I informed her that I did not make the purchase in question. She stated that she would cancel the debit card attached to my account and would send a new one and provided a reference number for our conversation and transaction - XXXX. Upon verifying my address, I was told I would receive the card the next day ( XX/XX/2022 ). That card was NEVER received. 
On XX/XX/2022, I accessed my account to pay some bills and saw my account balance was XXXX! Obviously, something was not right as I had just deposited both a paycheck and income tax return. I went to a Chase branch and was told to call XXXX to make a claim regarding the unauthorized ATM Withdrawals. I told the man I spoke with at customer service about the phone call of XX/XX/XXXX with XXXX XXXX. He said nothing about seeing someone calling me or any action taken regarding the phone call of XX/XX/XXXX. He issued another debit card and filed the claim. 
On XX/XX/2022, I went to the branch I use ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) and spoke with a manager named XXXX XXXX. She spoke to the fraud department regarding the status of my claim and was told it was denied because it said ATM Withdrawal. She asked for the claim to be re-opened and further investigated, i.e. security cameras, etc. The manager asked me to return in a weeks time for an update to the status on the claim. 
On XX/XX/2022 I filed a police report regarding the stolen money with XXXX Police Dept. The report number is XXXX. 
On XX/XX/2022 I returned to the branch office and spoke with XXXX XXXX again. She called to check the status and was told it was NOW denied because a virtual wallet was used at an ATM at Chase Bank located at XXXX XXXX XXXX, XXXX, Texas, XXXX. This is a different reason for denial than previously provided. They have stated that they are not refunding my stolen money. 
I am at a loss. I have banked with them for 20 years and do not give out my PIN or debit card! 
I am providing the police report along with the ATM withdrawals in the total amount of {$2100.00}. 
If theres anything that can be done, your help would be greatly appreciated. 
Thank you.
Product: Debt collection

Collection Agency SECURITY CREDIT SERVICES {$1700.00} this account is fraud and I want it removed. As I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 Lexisnexis froze my account and was advised that I did not authorize them to access my public records. They sent me a letter that I attached to this complaint letting me know that they will no longer access my public records XXXX XXXX is the Case Number for that. Now Lexisnexis has illegally obtained my public records and sold them to Three credit bureaus. I asked Lexisnexis to delete the bankruptcy and any other adverse accounts from my credit report due to my being a victim of XXXX XXXX. Lexisnexis has not done so but instead sent me a new case number as if they were just now notified about my request for my account to be frozen. I ask that they remove all items from my credit report that is not authorized. As well as honor my original request for case number XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account ( XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Product: Debt collection

Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX   XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.
Product: Credit reporting or other personal consumer reports

Dear Experian ; " I '', XXXX XXXX is hereby giving NOTICE OF VALIDATION/Notice of Opportunity to Cure/Liability/Conditional Acceptance in pursuant to rights and remedy by law. There are falsely reported claims in " your '' records in my name along with misrepresentation of my lawful name as re : above. Please take the time out to investigate the matters as I have done so but are unable to be provided remedy for false claims from agencies who have unlawfully and without my expressed consent or proof of contract ; willfully, intentionally and knowingly shared/traded my private information against thy will ; with the exception of XXXX XXXX XXXX and XXXX XXXX ; which are current accounts . I am exhausting all methods and if I can not find cure " in facts '' I will have no choice but to report all cases of falsified contracts " that are in the name of XXXX XXXX XXXX '' to the BUREAU OF INVESTIGATIONS , DEPARTMENT OF JUSTICE and any other agencies that may help in assist of this matter. Please remove all reports in error ; for they are causing, " I '', the living ( wo ) man, injuries and damages to my right to a fair and decent living as well as discrimination to my Lawful name without remedy for I out of good faith! Please take notice as I have done my due diligence in accordance with the laws stated in this correspondence. Please confirm validation, through correspondence, certified and notarized by a living flesh and blood witness that can attest to such facts under penalty and perjury. Please use the proper address listed above ALL OTHER ADDRESS MUST BE REMOVED AS THERE ARE NOT ASSOCIATED. Thank you for your assistance in the matter.
Product: Credit reporting or other personal consumer reports

Original case XXXX bureau stated public record bk XXXX  XXXX was verified this was a lie and they are committing willful noncompliance. 


Bureau Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XX/XX/XXXXXXXX  XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX ( XXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed Bankruptcy XXXX  XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 
Sincerely, XXXX XXXX XXXX XXXX UNITED STATES BANKRUPTCY COURT XXXX XXXX OF ILLINOIS XXXX XXXX XXXX  BANKRUPTCY CLERK Telephone XXXX XXXX XXXX XXXX CREDIT REPORTING INFORMATION The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 
Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a bankruptcy case more than 10 years after the order for relief is entered. This is usually the bankruptcy filing date. 
For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC toll-free at XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

All information has been disputed several times and has still not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections on my account that shouldnt be there. I have contacted them several times to remove the incorrect items because it is hindering my life but I Havent had a response yet. I havent received any documentation in writing about any of theses accounts and I dont know what they are. They should be removed.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that 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 Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN 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

Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which XXXX XXXX XXXX admitted to the negligence of the fraudulent reporting, and that it would Be removed. 


XXXX XXXX XXXXconsumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both XXXX XXXX and MIDLAND CREDIT MANAGEMENT. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. XXXX XXXX is reporting a debt of {$880.00} and MIDLAND CREDIT MANAGEMENT is reporting a debt for {$730.00}.
Product: Student loan

XXXXI did not exhaust 36 months of forbearance on earlier loans. I was unemployed for a period of time, and should have been in a deferment status. I also endured low wages for a number of years, and should have also been in a deferred status, not forbearance. If Navient placed me in forbearance during those years, that would be an unethical act. According to my knowledge, Navient is being sued in court for this very practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I replied to an email from the collection division of XXXX XXXX XXXX, and I told them that I never received the merchandise that ordered from them. Never received a response. So I disputed their little collection account on my Experian credit report, and the proceeded to re-age my collection account so that it would spoils that I was currently late like 120 days in my payment. Thereby, causing my XXXX score to plummet. Fell XXXX points in less than XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I refinanced with TCF XXXX and my home in XXXX was valued at {$400000.00}. I was laid of from my job in XXXX of XXXX at the age of XXXX and could not find another job until one was offered in XXXX at a 60 % reduction in previous pay. I had asked TCF for assistance and they said I was not late on payments. I used my severance and XXXX money to continue to pay the mortgage until I took the job in XXXX. Since I was trying to pay for two residences, TCF told me I could use the XXXX XXXX XXXX which put all the interest payments into the principal thus increasing the balance a total over {$24000.00}. My husband of 40 years and I had to live separately for a year until the house sold so he could take care of it while it was on the market. We were forced to do a short sale and the home sold three times all of which fell through for various reasons out of our control. The fouth buyer offered {$250000.00} which was {$5000.00} more than the previous contracts but TCF would not reduce the deficiency. TCF would not approve the short sale unless I signed a note for a {$48000.00} deficiency. I was treated terribly by TCF when I told them I could not afford a household move and another payment. I did not receive statements for this account. I paid every month by phone. They claim I was up to 120 days late which I disputed. Their collector asked if I could make a payment every month which I did until I got laid off in XXXX of XXXX at age XXXX. At that point since I had paid over {$10000.00} they wrote off the loan. We have downsized our housing expenses twice and are about to do so again as we are now going to live on social security. I did not want to file for bankruptcy during this ordeal or walk away from that house because I worked in the mortgage industry and wanted to do the right thing. I had to live with the consequences of the short sale on my credit for seven years and now I am dealing with the consequenses of the deficiency loan that was only resolved in XXXX. In general, I was talked to and treated terribly by TCF during a time that I was doing my best to make payments and sell the house. The deficiency loan was UNSECURED as you can see on attached document. TCF continues to report it as a Real Estate loan and lenders consider this a big problem when we apply for a home loan. We are about to do this again and downsize again. I have tried to resolve this through the credit bureaus three times and the TYPE of loan has not been changed. I am wondering how many years we have to suffer the consequences of a loan I told TCF I could not afford to repay in the first place. I believe this is a XXXX XXXX XXXX  and needs to be cleaned up and reported like any other UNSECURED loan. We tried as hard as we could to sell that house and get the most money possible to pay the bank but TCF did not care. I realize that CFPB can not do anything about the way I was treated but I would respectfully request that the deficiency loan be reported correctly on my credit reports since it is NOT and never was secured by real estate. Thank you.XXXX  XXXX