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

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

I told XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

My credit reports are showing 11 recently opened and closed student loan accounts through XXXX. I last consolidated my loans in XX/XX/year>, and there should not have been any new accounts opened or closed in my name. As a result of the new accounts, my credit score with the bureaus has taken a sizeable hit.
Product: Credit reporting or other personal consumer reports

The late payments shown don't reflect my consistent payment record.
Product: Debt collection

To whom it may concern, I am writing this complain against Portfolio Recovery Associates because they had actually continuing harassing me by sending me letters over and over by mail regarding a debt they say I allegedly I owe. 

I have never had business with this people. No sign contract signed with my wet ink with PRA. There is no existing of such contract. Also, this debt has passed the statute of limitations from the state of NYC. 

This caused me emotional distress and I may need to seek legal advice of what to do next. 

Please see reference letter from General State Attorney : https : XXXX Once the statutory limitation period passes, debt collectors can not attempt to take any legal action against debtors. After the statute of limitation passes, the debts dropped and no claim can be filed against involved parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear LEXIS NEXIS, I have previously disputed a public record with your company. after the investigation your company, Lexis Nexis remove the item from my profile, However I have disputed the item with XXXX several times and each time I am told that Lexis Nexis certified this item is verified as correct. I have attached Response 1 and Response 2 from lexis Nexis showing the removal of the items, but I'm continuously told by XXXX that Lexis Nexis is confirming that this item should be on my credit file. Please communicate with XXXX letting them know of the removal from prior your investigations into this matter. 

Please Ensure my name reads as ( XXXX XXXX ). 

*For some reason in your second response you have my name misspelled ( XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Account in question. 

Thank you
Product: Debt collection

I was a  XXXX  customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed  XXXX  that I was stopping service. After trying to change providers, I was informed that the phone was locked by  XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with  XXXX  and since I was not under contract, I did not feel that I owed them anything. I never heard from any  one  else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a  XXXX  employee and have  XXXX   XXXX  through the government. They sent me a notice that I had a bad report on   XXXX  . I called  XXXX  and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX This account was removed and added again. 

Subject : Dispute Complaint Against Experian and XXXX ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a credit reporting agency, for reporting inaccurate information on my credit report related to an account with XXXX  ( Account Number : XXXX ). I believe that Experian has violated several federal laws by failing to ensure the accuracy of my credit information, despite my previous disputes. 

Dispute Details : The XXXX  account listed above has been reported inaccurately on my credit report, and after several attempts to resolve this issue with both XXXX and Experian, the information remains incorrect. I am disputing the handling of this account under the following legal provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires that debt collectors provide complete validation of the debt upon request. I requested such validation, but neither XXXX nor Experian has provided adequate proof or sufficient details. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that any communication regarding the debt must include an accurate itemization. Experian has failed to ensure this in their reporting. 
3. 12 CFR 1006.34 ( d ) : Under this section, debt collectors are required to handle disputes promptly. Experian has failed to correct or validate the disputed information within the appropriate timeframe. 
4. 15 USC 1681s-2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) imposes a duty on data furnishers ( in this case, XXXX  ) to report accurate information to credit reporting agencies. Despite my dispute, Experian continues to report inaccurate information furnished by XXXX. 

Resolution Requested : I request the following actions from the CFPB : Investigate Experians failure to update or remove inaccurate information related to this XXXX account. 
Ensure that Experian complies with the FCRA by rectifying the inaccurate information on my credit report. 
Investigate XXXX  role in furnishing incorrect information to Experian and ensure that they correct their records. 

Attached, you will find copies of my communications with Experian and XXXX regarding this dispute. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX You can submit this complaint online through the CFPB complaint portal or via mail. Be sure to include any documentation, such as your dispute letters and responses from Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Debt collection

Frequent calling examples : XXXX midland credit Called sat XXXX at XXXX, XXXX, XXXX XXXX midland credit Called XXXX at XXXX, XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again at XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again XXXX This pattern has occurred frequently for over a year. <P/>This company also scheduled a post dated payment for a payment arrangement without my authorization after I had told them I did not want to post date any payment. They used the card information for the payment I made and authorized for that day and also scheduled a secondary post dated arrangement that I did not agree to and they attempted the withdraw funds from my account without my permission.
Product: Mortgage

We had a Wells Fargo Home Mortgage from XXXX. During the XXXX XXXX - from XXXX on - we were sometimes late with payments because I lost my job. A single late payment sent us into foreclosure by XXXX XXXXThey  demanded payment of a late fee and XXXX months of mortage payments -the past ( late ) month, the current month, and the next month. We were charged fraudulent Home Inspections fees and turned down for a loan modification. 
I was informed via postcard in XXXX that we were automatically enrolled in the class action suit for fradulent inspections fees and we only needed to make contact if we declined to be included. I heard nothing after this. 
Wells Fargo contacted us in XXXX because - unbeknownst to us- they had also fraudulently enrolled us in a " credit protection program ''. We got a {$500.00} XXXX  check in XXXX. 
This spurred me to track down the more important judgements against them for inspections and loan modification failure. We did not lose our house, but if not for my parent 's financial help, we would have. It nearly destroyed our relationship. 
They are unable or unwilling to give me any information on those settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.
Product: Checking or savings account

Three complaints have already been submitted. Open complaints are XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX. XXXX was submitted on XX/XX/XXXX but closed without any proper resolution by US Bank XXXX 
This will be the third open complaint ; I wish open complaints could be supplemented so that it is available to the bank in 1 place. Last update yesterday was I called the fraud department and found out that money will not be returned unless XXXX XXXXXXXX XXXX submits new documents that US Bank has asked for. This is a completely new requirement and through my client company I contacted XXXX. They replied by email that " XXXX XXXX Department hasnt received any updated request or correspondence from US Bank at this time, US Bank still has the funds and needs to credit XXXX XXXX accounts. There is nothing we can do unless US Bank sends the funds back ''. Alarmed I called today and was told that the fraud back office in US bank is working with a secret department in XXXX and hence XXXX department is not aware of that. I was told to call back after 1 week on XX/XX/XXXX and hopefully the situation will be resolved by then, there is no guarantee. Also documenting that I am waiting from XX/XX/XXXX to get paid for work that I had done and XX/XX/XXXX will be 2.5 months and all this time the money had been lying with US Bank.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXXXXXX XXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting wrong addresses and improperly using my name. I have paid to lock my credit, etc Next is seeking legal representation for the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5400.00}, {$0.00}, {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 


-- PERSONAL ACCOUNT 4. XX/XX/XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I asked credit bureau to validate these accounts its been several months since, never got a response. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX RE SS #. XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

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

3 COMPLAINTS AGAINST : # 1 XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX, XXXX TX XXXX # 2 FIDELITY CAPITAL HOLDINGS INC. 
DBA : FIDELITY CREDITOR SERVICE INC. 
XXXX XXXX XXXX, XXXX CA XXXX # 3 XXXX XXXX XXXX   XXXX XXXX XXXX. ATTORNEY WHO 1ST REPORTED UD CASE TO CREDIT BUREAUS APPROXIMATELY XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX CA XXXX Reference UD Case # XXXX entered XX/XX/XXXX states this UD case was in no way to be reported to the credit bureaus See Exhibit # 1 attached. 
I have been denied application to rent twice by XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX due to UD reported to credit bureaus. See Exhibit # 2 attached. 
My Complaint is that Fidelity Creditor Service Inc and XXXX XXXX XXXX XXXX. are failing to comply with court order/stipulation signed by all parties, Plaintiff, Defendant and Judge.that clearly states : Plaintiff and defendant further stipulate as follows : THERE SHALL BE NO PREVAILING PARTY FOR CREDIT REPORTING AS AN UNLAWFUL DETAINER PURSUANT TO CIVIL CODE SECTION 1786.18 ( a ) ( 4 ). 
Page 2 : Continued : Plaintiffs first attorney who handled UD case XXXX XXXX XXXX wrongfully started all this credit reporting at the final of UD case XX/XX/XXXX. Then due to my telephone complaints to XXXX XXXX XXXX, they sent me a typed, supporting claim that they were surprised that my UD case appears on my credit report. See their letter dated XX/XX/XXXX. See Exhibit # 3 attached. 
XXXX processed 2 of my complaints/disputes and states not being removed due to response from Fidelity Creditor Service Inc. I sent XXXX 2 complaints XX/XX/XXXXand XX/XX/XXXX. See Exhibit # 4 attached. 
See XX/XX/XXXX letter from Fidelitys attorney, XXXX XXXX, stating they have Not violated the stipulation filed XX/XX/XXXX, yet the XXXX  credit reporting is clearly showing the UD case. 
Yes, I did agree to the Stipulation and did not disagree with any billing associated with the UD against me, but the XX/XX/XXXXStipulates that this UD case was NOT to be reported against meyet it is? 
See Exhibit # 6 Attorney XXXX XXXX letter. 
See Exhibit # 2 two credit reports dated XX/XX/XXXX and XX/XX/XXXX run by XXXX XXXX. XXXX. Both apartment applications were DENIED due to the wrongfully reported UD case. 
I went to the courts to obtain a Certified Copy of The final UD judgement signed on XX/XX/XXXX. 
The Clerk was surprised that the above 3 companies reported ANY of this UD case to the credit bureaus and said its a violation of Judges Stipulation. 
I consulted with a Legal Aid attorney, and he stated I have a case to sue for all of the above noted wrong doing of reporting this UD case in any way to the credit bureaus. 
SUMMARY OF THIS COMPLAINT, AT THIS TIME : I am requesting all parties to IMMEDIATELY REMOVE ANY AND ALL UD CASE INFO from Any and ALL credit bureau ( s ). It may have and may report to in the future. 
and i reserve the right to a financial claim
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Product: Debt collection

I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As this debt collector is not entitled to collect on a debt in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I bought a second hand hairdryer from other person for {$200.00}, the transaction went through zelle. As I send the money to her, she said will send out the hairdryer afternoon, and afterthat, she said her daughter got sick, so it will send out the second day. The second day, she did send me the Tracking number, but the tracking never updated. AND I texted her and called her, she never respond me back. Today, XX/XX/2021, I call my bank afternoon, but they said they couldn't do anything for it, because zelle also couldn't do anything about it, they had no coverage for scam. So I was unable get my money back.
Product: Mortgage

I applied for a home refinance loan at loandepot and after 5 months of having received conditional approvals, good appraisals and meeting FHA requirements my application has been denied because of the underwriters demand for a structural engineer report for my garage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA