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

I have previously disputed and made XXXX XXXX, XXXX, XXXX XXXX, Equifax aware that they are all violating my federally protected consumer rights. They are willful and complicit in the agressive violations of my rights. They are clearly non- compliant to the consumer laws I am being damaged in multiple ways. 1. Defamation of Character ( per se ) 2. Negligent Non Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15 USC 1681violation for willful noncompliance-616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] As you can see from the documents that I have attached to this complaint the violations of rights that I advised them of was not corrected as advised. The issue is that the balance of the card is being reported the balance should report as XXXX or XXXX to be compliant. As you will notice I have made notes to experians results of the dispute that I previously made about the violations that You ( CFPB ) are now complicit in, about updates made to my Consumer Report. Which did not correct the violations which are still active on this updated Consumer Report. I will be seeking damages as advised by FCRA. I recently received a copy of my ( XXXX, Equifax and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised XXXX XXXX of the violations that I noticed on my XXXX, XXXX XXXX, Equifax consumer reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXXXXXX XXXX XXXXXXXX XXXX XXXX The lines of credit I have with XXXX XXXX, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX XXXX ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( XXXX XXXX ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for XXXX XXXX willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advanc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had one account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXXXXXX XXXX  reports from a dispute around a year ago. One of the two has also been removed from my XXXX XXXX report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 11. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 12. there is some inaccurate information reporting. DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 14. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, AR XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AR XXXX 21. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to XXXX, XXXX and Equifax regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.
Product: Mortgage

I filed a complaint against XXXX Reverse Mortgage LLC and they have not responded as of the morning of XX/XX/2022. They did however change names and/ or let another corporation that they are " in bed '' with assume the foreclosure proceedings to their benefit. Without giving me and children the proper amount of time to respond. I have suffered a tremendous financial hardship and these people will not even hear my plea for help in the form of a forbearance. The pandemic has literally ruined my business and I'm in the debt to my utilities to the tune of final notices ... ... but to keep my children in a positive state of mind I just keep fighting through. These mortgage " companies '' are the only ones not willing to wait for my money to come in so that I can get current. And on top of that the whole original loan was done illegally because my father was not the owner of the deed of trust ; that deed was left in my name for the XXXX XXXX  children I have full custody of until they were of age to assume ownership. Plus, just yesterday a guy showed up offering to help me by buying the house from me and when I told him that the only way I would be removed would be by mortal force ... .and he responded hey be careful your home is worth a lot of money... ..this is so unsettling and stressful. My mother left this house to my kids and the deal my dad made was unlawfully carried out. I have a right to be heard in a court of law, not be sent fancy papers giving me an incorrect payoff amount and little time to get legal help. This is truly u American and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

Discover Is reporting on my credit report that I owe the money however, they do not own my debt. I have contacted them several times to make payment and they tell me that they do not own my debt any longer and that I will need to pay someone else. This is incorrectly reporting on my credit as I do not owe this company. I have disputed this item with the creditor but they continue to report this incorrectly and damage my credit during this pandemic. I will not do business with Discover in the future under any circumstance and I don't advise that you do either in that they will sell your information and then incorrectly list the debt on your credit report. Run!!
Product: Debt collection

XXXX my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. XXXX  me with damaging my credit report if this was not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent XXXX XXXX XXXX XXXX and Experian each a letter challenging multiple inquiries all on the same date of XX/XX/2022, that I DID NOT authorize. None of the bureaus were unable to provide a signed document proving I requested credit from any of these companies. These need to be removed immediately from my report, they were not initiated by me. 

I've included the original letters that were sent to the bureaus, as well as the list of the inquiries from my credit report that are fraudulent.
Product: Debt collection

ONCE AGAIN COLLECTOR TRYING TO COLLECT 2-3 DEBT DISCHARGED IN BANKRUPTCY XX/XX/2018 CASE NO.XXXX AND CALL US ON CELL 3-5 TIMES IN VIOLATION T.C.P..A. AND FDCPA. WE HAVE SCREEN SHOTS AND VOICE RECORDINGS.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX, offered a Lease deal of 33 month with 7500 miles per year. we drove the car to XXXX  under the impression that XXXX. we now turned in the car and Chase is letting us know that we only had XXXX because the lease for 33 month and not the full year. Interestingly enough when we leased the car there was no 3 year choice for the 7500 miles per year. They are now charging us an extra {$300.00}. this was never explained. As a matter of fact, the dealer even said we had XXXX miles. Chase is the finance company and are hiding behind the fact that it was the dealership 's responsibility to have informed us and to place a complaint. The issue is that the over-the-miles fee are kept by Chase. This seems like an unfair practice and misleading. Chase and XXXX XXXX are hiding behind an erroneous arbitration clause that does not fully define what the actual arbitration clause. I am speaking to a supervisor over at Chase as I write this letter ( ID is XXXX ). She says she has the lease agreement on hand. I asked her to let me know in what state are arbitration is held, and it is obvious the contract does not state where. She referred a website. I am sure that I am not the only person affected by this misleading practice just to be able to squeeze few hundred dollars from consumers. Please note in the contract page 8 # 13. Reads " excess of 7500 miles per year during the scheduled Lease Term. '' Where does it say that based that the loan is for 33 months that we will be prorated. The minimum arbitration fee is {$1500.00}. Therefore, what consumer arbitrate when it would be cheaper to simply pay the fee. Chase has a fiduciary responsibility to make sure that dealers are disclosing properly how their product works. They are ignoring this fiduciary responsibility in order to continue to reap profits from consumers. they are no better than XXXX XXXX.
Product: Debt collection

After Contacting XXXX ( XXXX ) thought the CFPB I have a lot of concerns with regards to this debt and the alleged balance and ownership of this debt I have made multiple attempts to get in contract with Resurgent and Lvnv. I have mailed them multiple letters, usps and feds. Last letter was sent XX/XX/XXXX and they did not respond until XX/XX/XXXX almost 20 days after I had to notice CFPB Per the copy of the truth in lending disclosure all payments were due on the 3rd of every month, but the Date of First Delinquency is not listed as that day. But two weeks later. Also per the last payment date was a couple days prior to the first day of delinquency. 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

XXXX reports the last payment was paid XX/XX/XXXX, but LVNV claims that it was made XX/XX/XXXX. ( 15 USC 1692g 808.1 ) XXXX says the account was sold to XXXX XXXX XXXX. Resurgent claims that it did not buy this debt but in fact a different company purchased it LVNV Funding owns this account. ( 15 USC 1692f 807 ) XXXX claims that this loan was opened on XXXX XXXX, Resurgent claims this loan was opened XX/XX/XXXX. XXXX, but does not provide any signed documents or dates showing when this contract was signed or when funds was disputed 1.Can you please provide me a copy of the payment history for this account. 
2.Assignment letter showing that you have the right to collect on this debt. 
3.Assignment letter showing that XXXX XXXX is the Owner of this debt as Stated by XXXX and XXXX 4.Chain of custody of how this debt was purchased this debt 5.Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Product: Credit card

My credit card with Truist bank was charged {$1800.00} ( converted from XXXX XXXX of the same amount ) by XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I informed Truist that I had not dealt with this merchant and indeed had not been in the XXXX since XX/XX/year>. Truist said they would close my card and file a claim for fraud. Subsequently, my account was charged and credited XXXX times by the same merchant for the same amount ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX ). I called XXXX and asked how that could occur given my card was closed. The Truist employee admitted that they had improperly closed my account and submitted the fraud claim for the wrong charge ( that claim was resolved because the charge was credited ). I then received several correspondences from Truist with conflicting messages- some saying the claim was resolved and my account adjusted and others saying the claim was denied. On XX/XX/year>, I wrote to the company to resolve the issue detailing the entire escapade and all relevant facts, and included my account statements. On XX/XX/year>, I received a response from Truist saying that they could not determine the transaction was fraudulent ( despite the obviousness of the situation ) and refused to reimburse the fraudulent claim or provide any information regarding their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX
Product: Debt collection

Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/year> @ XXXX CT, I received a legitimate Cash App transfer in the amount of {$300.00}. After verifying my identity and attempting to Cash Out ( withdraw ) the funds, Cash App says the following errors : Regular : " This cash out failed '' Instant : " {$290.00} transfer to your bank account has failed. We noticed suspicious activity and have suspended your account as a precaution. Please contact support to access your account. '' I have contacted Cash App Support, and been assigned Case # XXXX. As of this complaint, no resolution has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint and asked for this collection agency to provide me with validation of debt. According to Section ( 609 ) of the Fair Credit Reporting Act. I can request documents that prove that this is my debt. This gives me protection of consumers against false and erroneous reporting. This collection agency sent me an in-house letter that provided dates of service that they stated I visited XXXX XXXX. I have no records or statements from the original creditor. I am submitting this complaint due to this company not sending any documents that prove this is indeed my debt. I would like the information provided by the original furnisher to your office.
Product: Mortgage

On XX/XX/2021 I submitted a credit application with XXXX XXXX in XXXX, SC. A few days later I received a text from Vanderbilt Mortgage asking me to call them at XXXX XXXX XXXX. When I called I was told that they had sent me an email with the terms of the offer. I told her that I never received the text. She then told me the terms of the offer, 6.7 % for 23 years along with other specific. Later, I send them a text requesting a written copy of the offer. As of today, I have not heard from Vanderbilt Mortgage not have I received a copy of the application I submitted with XXXX XXXX.
Product: Debt collection

Rash Curtis is attempting to collect an unverifiable and canceled debt. This is for medical services provided by XXXX founder and partner XXXX XXXX. Rash Curtis refuses to contact XXXX who has stated that he is not collecting the debt. The Billing company that he used XXXX XXXX and XXXX XXXX no longer works with XXXX and does not have billing records for this alleged debt. Their number is XXXX. XXXX XXXX can be reached at XXXX XXXX XXXX, XXXX, CA, XXXX ( XXXX ) XXXX Rash Curtis has refused to contact the provider who owned the practice that the alleged debt originated from. XXXX XXXX stated that he would be the individual responsible for deciding if a bill went to collections. 

The XXXX is no longer valid for the practice and they have no information about the debt. Rash Curtis has refused to get current verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX
Product: Mortgage

Mortgage turn refinancing loan down, wells forgot charged me around 4k plus
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed some fraudulent accounts per FCRA subsection 605b and 15 usc 1681c2 I ask that you block the following accounts immediately XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX