23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting XXXX XXXX  account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. Experian ignores my request to delete.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : Lexisnexis is reporting incorrect information under my public file I have never filed bankruptcy the public information does not match my full name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX my right have been violated. 

15usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it will also states a consumer Reporting agency can not furnish a account without my written instructions.

15 usc 1666B states a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report on XX/XX/20 i come across alt of inquries i have not approve no one to run or check my credit report i have sent a ftc police report to equifax about this matter but i have not got the reponse i been lookinfg for instead i been getting verfield back from equifax i know its my right to dispute fraud on my report as i have done by sending my ftc report to equifax and a leeter from ftc demanding them to block all inquires i have not approve from other lenders here are the lender ran my credit ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX .... XXXX XXXX ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX XXXX ... These areall fruad inquires i did not aprrove no one to run y credit plz remove and stop saying its verfield
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified discrepancies. I attached the letter together with the FTC.
Product: Debt collection

On XX/XX/XXXX I sold my trailer to Buyer... I have a bill of sale and AZ ADOT Release of Ownership/Sold Notice. On XX/XX/XXXX I received Letter from Linebarger Goggan Blair & Sampson LLP ( Attorney At Law ) stating on XXXX there were 2 violations # XXXX and # XXXX for {$6.00} each that I owe with additional fees. I did not own this trailer after XX/XX/XXXX. I have certified mailed and faxed to LGBS all documents as a rebuttal on XXXX XXXX after making several phone calls to them between XXXX XXXX and researching documentation to be sent to them on XX/XX/XXXX, I made several calls to LGBS asking if they received and reviewed the documents. I requested they send me documentation they have dropped these charges as I also included DELDOT documents showing the charges were paid by new owner. LGBS now on XX/XX/XXXX are sending me a letter that claims no one with this firm has reviewed the particular circumstances of my account. But included another letter saying I owe them once again! Once again... I did not own this trailer at the time of the charges and did not incur the toll charges and documents have been sent to LGBS as proof of this. I want them to cease and desist as if they would review what I have sent them I would not be spending more of my time and they would not be spending their time either! If you need the documents I am happy to send them to you for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute multiple fraudulent accounts, collections, and inquiries that have appeared on my consumer credit report, all of which are the result of identity theft and fraud. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent items be blocked from my credit report within four business days of your receipt of this complaint. The fraudulent and inaccurate information includes the following : XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX open Date XX/XX/XXXX, XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX, XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX Open Date XX/XX/XXXX, CHILD SUPPORT Open Date XX/XX/XXXX, CHILD SUPPORT Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my credit report. I do not recognize these accounts, inquiries, or collections, and they were not opened, made, or initiated by me. As evidence of identity theft, I have attached the following : A copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX, A copy of my consumer credit report highlighting the fraudulent items A list of unauthorized hard inquiries related to these fraudulent accounts Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to investigate these fraudulent items, block them permanently from my file, and cease any collection activities related to them. I expect prompt action on your part to remove these fraudulent accounts, inquiries, and collections. Additionally, I request a description of the procedures used in your investigation, as well as any documentation from creditors related to these accounts. Failure to comply with my request within the legal timeframe will compel me to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress in resolving this dispute. Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Trans Union XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

XXXX Credit Card added two months of a XXXX XXXX fee that was called optional that I did not ask for or agree to. I paid my balance off immediately and asked for the account assurance fees to be credited ( {$62.00} ). I requested this on the Comenity website on XXXX XX/XX/2021 and vis phone call with them at that time. The fees were never credited but stayed on the card accuring late fees and interest. Comenity repeatedly called more than 8 times saying there was an outstanding payment due. Each time I spoke with the caller informing them there was no debt and in fact they owed me a refund. The callers either hung up or put me on hold until the line went dead, they have all said that they couldn't help me as XXXX XXXX was a different company!.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for their continued reporting of inaccurate and unauthorized information on my credit report. The account in question ( Account Number : XXXX ) contains errors that I have disputed multiple times, yet no action has been taken to correct or remove it. This inaccurate and unauthorized information is unfairly damaging my credit score and providing misleading data to potential lenders, which is directly affecting my financial opportunities. 

Despite reaching out to both Equifax and the company responsible for the account on several occasions, no resolution has been achieved. This repeated inaction is unacceptable and has caused me ongoing financial harm and frustration. It is my right as a consumer to have accurate information reflected on my credit report, and I expect this to be addressed.
Product: Credit card

I am so tired of all these creditors credit profiling with without my permission invading my financial privacy of what goes on between me and another creditor is not any of your business. As long as i pay my monthly bill with you and always on time with my payments with you American Express These companies like to reduce your credit limit that they have approved you for even if you are paying your bills on time and every month. But when they reduce your limit it hurst your credit score and your income to ratio and also your credit usage so then it makes you over the limit or close to the limit as. American Express has drop my limit serveral times and wants to for me to make more payments on my account by restricting me with how much I can spend over all my accounts. So now I am over the limit for that reason. Im not sure what kind of system they have that profile their members but I dont like it something needs to be done about this. just because I dont pay my balance in full every month and use my cards occasionally I shouldnt be punished by whatever system is profiling me. These creditors encourage you to add other people on your accounts to get you to earn rewards and when you Amex you put restrictions on the amount we can spend and you send threading letters telling me that if I dont make a payment on my account my purchases will be declined even though i already made my payment for that month. This behavior by creditors needs to stop I feel its XXXX credit profiling. They should be happy that i am not over my limit by my default!! I just choose to use my credit wisely and not frivolously.
Product: Debt collection

Received multiple calls regarding a dept that was sent to Eagle Recovery XXXX for and amount of of {$1000.00} I have asked for an itemized bill with every charge as will as a copy of the original invoice or receipt with my signature on it and I have not received they requested documents or they state that they do not have them.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 US code 1681E ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if, after any re-investigation under a paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shell - ( I ) promptly delete that item of information from the fall of the consumer, or modify the item of information as appropriate, based on the results of the investigation, and ( I ) promptly notify the furniture of the information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately Account Name - Net Credit Account Name - XXXX XXXX XXXX Account Name - XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX  I sent a payment in full using a negotiable instrument ( coupon ) and a conditional acceptance letter ( Reg # XXXX ) to Capital One Auto Finance to payoff the then stated payoff amount for my XXXX  XXXX XXXX from my XXXX XXXX XXXX  account # XXXX under the corporation known as XXXX XXXX XXXX. They refused to accept my good faith payment but did not return my negotiable instrument ( Coupon ) confirming their conditional acceptance of the payment in full. They sent me a so called " Validation of Debt '', which I did not request at the time and was no more than a list of payments made, and they threatened to accelerate my loan and / or repossess my truck. On XX/XX/XXXXXXXX  I sent a Writ in the Nature of Discovery ( see attached ) requesting 12 Documents with all related and associated instruments be provided and arrangements be made to inspect the documents within 21 days of the receipt of the Writ of discovery to determine if proper documentation of the debt had been maintained as required by law. This was ignored constituting an affirmation of disingenuous intent and a violation of the Freedom of Information Act which was a " dishonor '' of the " Notice for demand of Disclosure ''. So on XXXX XXXX XXXX  I mailed a Notice of Trespass to Capital One Auto Finance requesting that the debt be cleared and the title be delivered to me as remedy for the harm injury and loss sustained by me due to their breach of conditional acceptance. On XXXX XXXX XXXX  I sent a follow up letter to Capital One Auto finance Requesting that they cease and desist all collection activities and send me a statement with a XXXX balance. On XXXX XXXX Capital One Auto Finance stole my truck even though there was a dispute re : the loan and despite the fact that they were in breach of the freedom of information request and the conditional acceptance. This caused me great XXXX  and loss of work as well as significant financial hardship as i had to come up with approx. {$3200.00} to get my truck back.
Product: Credit reporting or other personal consumer reports

Dear CFPB, IRS, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
Product: Consumer Loan

I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I had submitted a complaint with the CFPB against Experian specifically. My complaint is around how Experian reports items on a credit report. This complaint was not against the creditor in question. On XX/XX/2020, I received a response from Experian that additional time was needed for my request. This response conveniently came in at the 15 day window that they needed to respond to the CFPB. The response indicated that a dispute was filed against a creditor as per my request. It was also on this same day that I received notification from Experian directly stating my dispute was now opened and expected to be completed by XX/XX/2020. 

At no point did I request that the account be re-investigated. My issue is how Experian codes a pre-foreclosure on an account that was brought current. This coding is prohibiting me from being approved for my new home. There was no request in my complaint to dispute the same account that you've disputed multiple times before. As stated to each rep who we've spoken with on the phone at Experian, and as detailed in my complaint, the issue lies within Experian. Not the creditor. 

From everything that I've read, a pre-foreclosure is a sale, like a short sale. Furthermore, in the event a lis pendens was even started, that would've expired in one year if no action was taken. The fact is that the creditor stated that a pre-foreclosure was started. The home was brought current through a modification. There have been on time payments since then. We currently own and reside in the property. This MOP code of an XXXX, that only Experian is reporting is why my lender is getting a denial when running it through XXXX XXXX Desktop Underwriter automated underwriting system. 

Ive included a snip of how my mortgage is reported by each bureau. Through online research, Ive also located XXXX  and XXXX coding. They do not have a designation if a foreclosure was started. They each reported a XXXX. I also did some research on my own to better understand what an automated underwriting system is and how it works. Ive included the link to XXXX XXXX sellers guide. In discussing my findings with my loan officer. He confirmed that the snip included on the attached is the reasoning he is not getting the approval needed. 

Please do not re-dispute this item again. The reported code that is reported is not provided by the original creditor. This is a designation assigned by Experian. The pre-foreclosure was never completed. Please read this request, and re-read the attached initial complaint.