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

15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Before you think to reply that this account has been " validated '', let 's 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 XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX 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 XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a XXXX
Product: Mortgage

I fell behind on mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I attempted to repay the amount I was behind ( approx. {$2500.00} ). I told the bank ( JPMorgan Chase ) that I would have the payment within a week. My wife contacted the bank a week later to make the payment and was told that the mortgage had been sent to the foreclosure department. Since that time I've applied with Chase for a loan modification and they have denied me because of requirements of the USDA loan. I've additionally sought help from XXXX ( Kentucky XXXX XXXX XXXX ), as they have a program that is supposed to provide assistance to individuals like myself who have been involuntarily unemployed ( I was laid off twice in the past year ). It appears that the Kentucky XXXX  XXXX XXXX is no longer in existence. Chase bank has sent me documents informing me that my options are limited to short-sale and/or deed-in-lieu of foreclosure. I desperately want to keep my home as I have a wife and XXXX kids living there with me and we have nowhere else to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX {$2100.00} XX/XX/XXXX XXXX & XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$1900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Dispute Regarding Personal Loan and Collateral Dear One Main, This email addresses a significant dispute regarding the personal loan I received from your company. I believe I was misled and deceived during the loan application process, and I am writing to clarify the terms of my repayment. Initially, I applied for a {$10000.00} loan but explicitly stated I only required {$6000.00}. I was informed that my vehicle would be used as collateral to secure the loan, with the understanding that it would only be seized in the event of non-payment. I was not clearly informed that the value of my vehicle would be added to the principal loan amount for the purpose of calculating interest. Upon reviewing the loan agreement, I discovered that my vehicle 's value had been incorporated into the loan calculation, resulting in a 16 % interest rate applied to the combined total. This was not explained to me beforehand. Immediately upon realizing this discrepancy, I contacted your company to cancel the loan. I was within the grace period provided for cancellation. Subsequently, I secured a loan from another lender. I understand that my new lender has paid off the initial loan. However, I am now being asked to repay {$39000.00}, which includes the {$6000.00} I originally borrowed plus 16 % interest on the inflated amount that includes my vehicle. This is unacceptable. I am prepared to pay the original {$6000.00}, plus 16 % interest on that amount only. I acknowledge that I was unable to return the {$6000.00} within the initial cancellation grace period due to the holiday closure of your offices. Therefore, I am willing to honor the original {$6000.00} loan with the 16 % interest applied to that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX in amount of {$3600.00}, and {$970.00}, Capital One in the amount of {$4500.00} and {$3500.00}, XXXX in the amount of {$1600.00}, XXXX XXXX in the amount {$0.00} openedXX/XX/XXXX and showing 120+Days Late and closed with a return mail request, XXXX XXXX XXXX in the amount of {$0.00} opened XX/XX/XXXX with charge-off status, XXXX in the amount of {$0.00} opened XX/XX/XXXX with payment status charged-off and return mail letter, XXXX XXXX XXXX in the amount of {$14000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$10000.00} with charge-off status, XXXX XXXX XXXX in the amount of {$6500.00} with charge-off status, XXXX XXXX XXXX in the amount of {$5500.00} with charge-off status, XXXX, XXXX, and XXXX on my credit file they maintained under my Social Security number. I sent all the listed creditors letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked the original creditors as well as XXXX, XXXX, and XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked the original creditors I listed, as well as the XXXX, XXXX, and XXXX, that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. As of XX/XX/XXXX, no one from the original creditors and the Credit Bureau still have not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was also told by original creditors, as well as the 3 credit bureau, XXXX, XXXX, and XXXX, that they do n't have to show me any proof of a signed contract, bearing my wet signature, and that I heeded to take it up with the Credit bureau to get it removed. In other words, giving me the run around. When requesting documented proof of the contract and asking to show proof I consented to having the original creditors run inquiries, bearing my wet signature, the original creditors sent me billing statement stating this was verification. I never asked for billing statement because that 's not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Product: Credit reporting or other personal consumer reports

LVNV please provide what method you verified to XXXX and XXXX XXXX. As I am aware XXXX doesnt allow the transfer of FTC identity theft reports which you all confirmed in my last CFPB complaint dated XX/XX/year>. That you all had, that FTC identity theft is required to provide to the credit reporting agencies. I have added both credit reporting agencies to this complaint to determine if you all sent over the FTC identity theft Report as required as the data furnisher under FCRA section 623. Additionally I requested another incident theft report which you all have failed to mail to me as the faxed incident report of how the cards were stolen from the authorized user home and the account was fraudulently used was ignored and you havent stated if you have in your possession the current incident report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from XXXX XXXXXXXX and BMO harris bank and I have duplicate inquiries from XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Experian about removing a freeze. I was told multiple times that the cost would be {$20.00} for XXXX XXXX with the info for my pin. They charged me {$32.00}, and sent me something I never asked, a credit report. I was a member and get reports for free, why would I order one when all I asked for was the info to unfreeze my account. I called, now they charged me another {$20.00} to XXXX XXXX my info again. They clearly stated they would investigate and depending on the investigation may refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent Wells Fargo Fake account scandal. I have tried working with Wells Fargo to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that XXXX remove entries from Wells Fargo because Wells Fargo is unable to Prove any accounts ever owned by me related to my XXXX report. 

I am now requesting that XXXX remove Wells Fargo from my XXXX report. I have never been a customer of Wells Fargo. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT XXXX And Wells Fargo Bank. Do not call please.
Product: Debt collection

I have a problem with Taylor Law pllc. If I get behind on payments they send me a letter that looks like a letter from a lawyer and says they have contacted the sheriffs department in my area. They say they have filed a case in court. They also have changed their name. They wont provide a receipt to my email. One time I showed up to court on a specified date and they did not show up. Where I live in Indiana I should have won by default.
Product: Credit reporting or other personal consumer reports

Pursuant 692-1692p 807. False or misleading representations FCRA violations consist of reports to the credit agencies, XXXX, XXXX and Transunion regarding my XXXX XXXX XXXX account XXXX In XXXX, this account was closed and the balance reached was {$0.00}. XXXXXXXX XXXX XXXX  allocated my secured loan to the balance of this credit card account. I no longer owe anything to this bank, they have been reporting inaccurate information to the credit agencies stating the account is STILL OPEN, payments are late and inaccurate balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, XXXX account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX located XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX address in credit report is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is more than likely their corporate office. I took a loan out from them in XX/XX/XXXX. Information on my credit report regarding this account is wrong. On my credit report it is showing acct status open current payment status in collections and that I am making a monthly payment of {$100.00} and last payment made was XX/XX/XXXX but has an x for late. Also states that since XX/XX/XXXX to XX/XX/XXXX my balance decreased from {$1300.00} to {$880.00} They are reporting that my payments are late and they are not. How is it legal or even possible to report late payments when the payments are being made and on time within the 30 day grace period. I am actually paying {$130.00} a month and my next payment is not due until XX/XX/XXXX. How are the legally allowed to mark any late payments on an XXXX acct when they are receiving the payments. I have multiple late payments that they reported late that are not late. If my balance decreased by {$450.00} dollars within 5 months why is it not being reflected correctly on my XXXX report. They have not even reported my XXXX or XXXX payments and those are paid and current. They need to go back in and correct EVERY late payment that they reported that is not late. It is affecting my XXXX report very negatively. They is no way they should be allowed or it should be legal to report late payments on monthly payments that's being received. Per XXXX there is not to be a late payment on an acct until after 30 days and this company will have their lawyer send you a threatening letter to garnish if the payment is a week late. They have XXXX late payments on my acct and that is absolutely obscured when they are receiving the payments. Have my acct as open in collections but late payments on an acct they are receiving payments on. How is this even fair to the consumer.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

The problem is with EXPERIANTo know my score I paid {$1.00}, that is how they get my debit card information and they have been charging from XX/XX/XXXX to present the monthly amount of {$19.00}. Could not make it stop. 

XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX $ XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00} XX/XX/XXXX Debit Card Transaction Experian *CreditRep XXXX CA XX/XX/XXXX {$19.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
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. XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 or other personal consumer reports

I started getting phone calls from this credit card company for a credit card, I have not applied for any credit card. I then received bills in the mail showing I owe. I sent a letter to the company in which they sent me a fraud letter that I need to fill out and get notorized
Product: Debt collection

To XXXX XXXX XXXX at compliance of Sequium Assets Solutions your sorry and explanation do not help me. I have never done business with you. I do not owe Sequium Assets Soution any money and I do not owe XXXX XXXX XXXX any money. Your sorry for the inconvenience just results in : XXXX  : dropped 19 points XXXX  dropped 44 points XXXX  dropped 12 points So while you are giving time for me to review you need to REMOVE this from all three credit agencies. You have violated my rights and have never contacted me to verify if I owed a debt instead you just placed this on all three credit bureaus without verification. REMOVE IT IMMEDIATELY!!!! 

You are a despicable company that has no morals and is just out to ruin others. No contact, no verification yet you placed this on all three credit bureaus and then have the nerve to say sorry for the inconvenience, You are truly disgraceful
Product: Debt collection

Someone, not me, opened a credit card in my name on Paypal. I received a letter from Paypal dated XX/XX/2023. I received the letter via United States Postal Service mail. I immediately sent an email to this email address provided on the Paypal website : XXXX I have yet to hear back from Paypal. I checked my credit report today and found that there was a Mastercard opened through Paypal in my name. The account was opened on XX/XX/2023. I have locked my credit account through XXXX XXXX XXXX XXXX. I am going to file a police report.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my life. the items i need deleted are in the report. I am victim of identity theft and did nit make the charge. I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance my lifestyle by getting certain things situated to help provide for me and my family.
Product: Credit card

On XXXX XXXX my phone 's XXXX card was reassigned by my provider - XXXX XXXX, to another phone without my knowledge or permission. At the same time my XXXXXXXX XXXX information was hacked. In the next XXXX all my financial accounts ( Checking, Credit Cards, Phone, XXXX, XXXXXXXX XXXX  - were affected by fraudulent activities. The unknown number of on-line credits were created. Multiple tickets to XXXX XXXX purchased using my information. The total amounts of fraudulent transactions approximately XXXX XXXXXXXX at least. XXXX  credit report, Police report, IC3 report, Fraud alert to all affected institutions done.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed customer contract. The other two major companies has deleted these account off my credit reports. Under the FCRA, unverified accounts must be remove.