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

I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification
Product: Mortgage

I sent a written request on XX/XX/XXXX to Freedom Mortgage to please provide the payoff, the Freedom Mortgage website confirmed three days to provide the payoff with the email confirming receipt of the request received on XX/XX/XXXX. I followed up on Wednesday XX/XX/XXXX and called today, confirming that it should be completed on Monday XX/XX/XXXX. The closing is being delayed due to the lack of the required documentation. I resent all outstanding notice of errors and requests for information XX/XX/XXXX and still have not received a response on those documents that state a response is provided within 30 days with many resent twice since the original request and it is years later. 

Request for Information Request Date XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX Notice of Error Request Date XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting

I have student loan accounts on file with Equifax that are being reported incorrectly and to old to be on file. The accounts that I am disputing are student loan accounts from XXXX which are the following : XXXX, opened in XXXX in the amount of XXXX ; XXXX opened in XXXX in the amount of XXXX ; XXXX in the amount of XXXX ; XXXX in the amount of XXXX. In XXXX XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX XXXX. The above mentioned student loans were included in the bankruptcy petition. As of XXXX XXXX, all of my student loans was consolidated with XXXX XXXX XXXX which is currently on my equifax report as well with these amounts included. I disputed the information with equifax and they sent me a report saying that the information that they have on file is currently correct. They are currently reported these accounts as negative and included in wage earner plan, when in fact they should be paid, closed or transferred to another lender like the rest of my student loan are. Additionally, these loans were first opened in XX/XX/XXXX and XX/XX/XXXX and they are too old to even be on the credit file. It appears as though equifax is not correctly investigating this information, especially if they are saying that these accounts are still included in a bankruptcy wage earner plan that does not exist. These accounts are reflecting negatively on my credit file and by right they should be removed being that they are so old, but atleast Equifax should investigate and report them correctly.
Product: Debt collection

On XX/XX/2023 at around XXXX First Franklin Financial made a call to a reference of mines ( wife ) after being asked not to call again.
Product: Credit reporting

I 've disputed an inaccurate bankruptcy with Experian for several months now. Experian consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Experian has US BKPT CT GA XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Experian did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Experian did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Experian shows the assets and liabilities section as {$0.00}. This is inaccurate information as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. XXXX Account number : XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Bankruptcy Account Number : XXXX XXXX. XXXX  XXXX Bankruptcy Account Number : DISMISSED *ERROR* Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The financial institution are in violation of XXXX CFR XXXX furnishing my nonpublic information without my consent or meeting the requirements of car XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX
Product: Credit card

Ordered software for my XXXX XX/XX/XXXX for {$310.00} found out it was a scam contacted Bank told them to stop payment was told it had been paid. Removed software from my XXXX  and contacted company to close my account. 
When charge appeared on Bank Statement dated XX/XX/XXXX in amount of credit of {$310.00} I again contacted Bank and asked for a refund check to be issued. 
Bank issued me a check on XX/XX/XXXX in the amount of {$310.00}. 
Received letter from Bank XX/XX/XXXX stating my account was closed as i had requested. I closed the account after receiving statement dated XX/XX/XXXX showing a ZERO balance. 
I was under the impression this issue was now resolved! 
I received Bank statement dated XX/XX/XXXX showing a charge of {$310.00} had been made to my account that was closed on XX/XX/XXXX. 
I received a statement dated XX/XX/XXXX showing a new balance in the amount of {$350.00} which added a late fee of {$29.00} and a interest charge of {$5.00} to my account that was closed on XX/XX/XXXX. 
I received a letter from the Bank XX/XX/XXXX stating they were researching my disputes on the account that was closed XX/XX/XXXX. 
I received a letter dated XXXX XXXX, XXXX stating the resolved the dispute saying the amount was to stay on the account to the account that was closed XX/XX/XXXX. 
Received an e-mail from the Bank dated XX/XX/XXXX at XXXX showing account closed and that the account is past due and has been permanently closed. 
i sent he bank a three page letter dated XX/XX/XXXX that outlined all of the condensed information listed above.

1
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Md XXXX XX/XX/XXXX XXXX XX/XX/XXXX Verification letter in response to letter received on XX/XX/XXXX. 






To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear XXXX XXXX I have recently looked at a copy of my credit report and see that you are providing inaccurate information about a bankruptcy that was filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already confirmed with the courthouses that this bankruptcy was filed and I was informed that this information was not provided by them, as they explicitly stated that they don't report information to anyone.See exhibit A. 
I am positive my information was obtained from XXXX to obtain inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to this bankruptcy is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I demand XXXX remove this bankruptcy from your system. It is not fair that you can simply snoop around and report only half truths and cause so much distress. 
You are in violation of my consumer rights under 15USC1681a ( 4 ) consumer right to privacy. This bankruptcy should not appear on my credit report. Congress says that I have the RIGHT to deem what is and isn't private and I DEEM THIS BANKRUPTCY TO BE PRIVATE AND THIS MISLEADING FALSE REPORTING Is giving me severe anxiety. You are liable for all damages and I am seeking litigation! 

Please remove immediately. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

Cash app has made payments that I did not authorized yesterday they done it and I got that money back and now again today {$110.00} to some place called limitless group I've never even heard of them I didn't know the last one either I really want my money put back in my account {$110.00} is a lot of money to take for something you've never even heard of
Product: Credit reporting

I recently pulled my credit report and there is a Chapter XXXX Bankruptcy reporting that does not belong to me. I was a victim of ID theft.I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with a similar name to mine filed bankruptcy in the District of Maryland, and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that this was a fraud acct but yet it came back verified. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the FCRA to report erroneous information on a credit report. I ask that you remove it immediately or I will be filing a complaint.
Product: Money transfer, virtual currency, or money service

i have no idea how much i had in my account when they closed it... 
so guys..what are the options? is class action even possible? what can we do ... .i had i dont even want to know how much in XXXX. probably literally XXXX XXXX XXXX from when i had bought it to what its worth now..i bought it and forgot about the account just thought id get into it and same thing as everyone here... closed and can not be reopened ... im beyond words right now i bought {$500.00} worth of XXXX XXXXn robinhood in 2018 when doge was XXXX per XXXX... it is now at XXXX per ... .they robbed me of straight XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act XXXX  account # 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 account without my written instructions XXXX/equifax/XXXX  XXXX  XXXX  XXXX {$920.00} XXXX XXXX  XXXX  acct XXXX XXXX {$6500.00} XXXX  XXXX  XXXX  acct # XXXX {$500.00} XXXX XXXX XXXX XXXX acct # XXXX {$3700.00} XXXX  acct # XXXX {$260.00}
Product: Debt collection

I am deeply concerned about four late payment entries from the year 2019 that persist on my credit report, linked to a closed account with Sallie Mae. These late payment notations have been a significant hindrance to my ability to move forward with my life, and I kindly request your intervention to rectify this situation.

To bolster my request for the removal of these late payments, I would like to draw your attention to several laws within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that support my case : 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( FCRA - Privacy ) : This section of the FCRA defines a " consumer report '' and excludes from its definition any " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The late payment entries in question exclusively pertain to transactions with Sallie Mae, and as such, they may fall within this exclusion, suggesting that their inclusion on my credit report is in violation of my privacy rights.

15 U.S. Code 1681b ( a ) ( 2 ) ( A ) ( FCRA - Written Consent ) : This section of the FCRA requires that a consumer reporting agency may furnish a consumer report only if there is a permissible purpose and the consumer has provided written consent for the report. In this case, the inclusion of late payment notations on my credit report concerns me as written consent was never obtained for the continued reporting of these late payments, further emphasizing the need for their removal.

15 U.S. Code 1692c ( FDCPA - Communication in Connection with Debt Collection ) : While this section pertains primarily to debt collection practices, it is relevant as it highlights the importance of accurate and fair reporting. Under this section, debt collectors are prohibited from engaging in communication with third parties regarding a consumer 's debt. The persistence of these late payments on my credit report, beyond the point of full payment, could be seen as a form of communication that misrepresents the state of the debt, potentially violating the spirit of this provision.

In light of these legal considerations, I kindly request that you investigate this matter thoroughly and, if deemed appropriate, take immediate action to have these late payments removed from my credit report. Doing so will not only restore a fair representation of my credit history but will also ensure that my privacy rights are upheld, and that proper consent has been obtained for their inclusion.

I understand the importance of adhering to the FCRA and FDCPA to protect consumers ' rights and ensure the accuracy of credit reporting. Therefore, I respectfully request that you consider this request and the applicable provisions of these acts.

I am confident in your dedication to upholding consumer rights and ensuring the accuracy of credit reports, and I eagerly await your response regarding the resolution of this matter.
Product: Debt collection

I recently discovered these XXXX parked debts account ( which show no account numbers ) on XXXX, XXXX and XXXX stating that they are with Portfolio with XXXX as an Original Creditor. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute these alleged debts. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting these alleged debt on my credit profile and i feel like im being extorted into paying something. I believe these accounts to be inaccurate and falsified. These must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying these alleged debts that have not been verified with me that they are my responsibility. Under XXXX you are supposed to have my consent to share my private financial information with XXXX parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to XXXX parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i may verify responsibility of these debts. XXXX. Please provide the XXXX form that was used to verify authorization to open an account by PORTFOLIO AND the original creditor XXXX. Please provide all correspondence records for the accounts. XXXX. Please provide the applications with the original creditor that verifies these accounts as belonging to me. XXXX. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. XXXX. Please provide verification of whether or not these accounts were assigned or purchased by your company. XXXX. Provide the Regulation F Disclosures. XXXX. Provide the XXXX XXXX for these accounts so that I XXXX verify the creditor/credits/debtor/debts on the account. I need all of the above in order to do my due diligence on these matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for these violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter due to your pending suit that i was notified of, I expect response in a reasonable time frame which would be XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, personal loan, or advance loan

I don't have the exact dates it was around XXXX XXXX, XXXX, or XXXX. I was making payments everything I got paid and then I get a notice that I owed XXXX XXXX XXXX I don't have any records of anything at the moment doubt I'll find any I have. But I'm pretty sure I was on maybe two or three payments left.
Product: Credit card or prepaid card

Never received a bill for the following charges : Very suspicious and confusing way of billing me- via phone text messages First charge was supposed to cover total amount for service and parts XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$490.00} XXXXXXXX XXXX XXXX This charge was confusing and surprising - came out of nowhere XX/XX/XXXXXXXX XXXX XXXX XXXX {$220.00} XXXXXXXX XXXX XXXX