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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It XXXX Concern : I recently received a copy of my Experian Credit Report and I noticed that late payments from Affirm is still posted on my report : Affirm Account # XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX  account # XXXX from my consumer report. This agency is in violation of XXXX XXXX XXXX. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. XXXX. Negligent Enablement of XXXX XXXX. XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. XXXX. Fair Credit Reporting Act XXXX XXXX XXXX Violations for willful noncompliance XXXX. Civil liability for willful XXXX XXXX XXXX XXXX 

This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. 

Under XXXX XXXX XXXX XXXX of Report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three XXXX XXXX are to provide the same information on my credit report. 
DELETE THIS XXXX  ACCOUNT # XXXX. 

Best Regards, XXXX XXXX
Product: Credit reporting

Prior to XXXX XXXX, 2016 I provided Experian a copy of the court judgment in my favor and against XXXX XXXX for an account that was showing on my Experian credit report as an inaccurate derogatory entry. 
Despite XXXX receiving the same information from me and immediately removing the inaccurate information, Experian refused to remove the erroneous account from my credit report. Followup disputes to Experian were done via certified mail and by complaints filed with the CFPB while Experian continued to refuse to comply with the FCRA. 
As I stated in my XXXX/XXXX/2016 reply to Case No. XXXX : " In response to my written requests and my first CFPB complaint, Experian failed to provide any evidence or documentation to justify its failure to do a reasonable investigation and comply with the court judgment ( I provided them copies of ) by immediately removing the disputed XXXX XXXX account. Now, without any explanation, the disputed account appears to have mysteriously disappeared from the " current credit report '' supplied by Experian by mail ( report # XXXX, dated XXXX XXXX, 2016 ). '' Since it has been two weeks without any response from Experian, I am filing this complaint to assist Experian in providing me copies of any and all evidence that it possesses or controls, including documents, electronic transmittals, etc., that support its allegation that the furnisher XXXX XXXX validated the debt so convincingly that Experian could ignore a court judgment and continue to report the inaccurate and erroneous information regarding the XXXX XXXX account # XXXX XXXX XXXX XXXX on my Experian credit report. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update XXXX with this correct attachment that includes the letters mentioned as proof. thank you
Product: Credit reporting or other personal consumer reports

Transunion is reporting false information to my credit report such as unauthorize inquires dated XXXX XXXX and XXXX XXXX According to the fair credit reporting act anything inaccurate or unverifiable must be deleted.
Product: Mortgage

Been dealing with Bof A and NationStar for FOUR YEARS Trying to get a modification in place on XXXX homes we own. ( XXXX a rental and # XXXX our personal home. ) Have done EVERYTHING they 've asked and have the paperwork and fax/mail receipts to prove it. Constantly getting more and more requests for docs they " did n't receive ''. We were allegedly in modification talks and were attempting to secure XXXX, and they went ahead and foreclosed anyway. They also got a judgment against us that we were n't EVEN SERVED! I have about XXXX pounds of documents, emails and receipts for evidence oXXXXf my allegations, so believe me if you want some good evidence of the illegal half assed business practices, I 'm your gal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Every last dispute I put in with evidence was either not deleted or deleted and placed back into my report
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Payment Info Original loan amount {$470.00} Balance {$470.00} Updated on XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

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

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
Hyundai Capital America acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Information/Late Payments And Bankruptcy and Reimbursement For Damages Under 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) I hope this message finds you well. I am writing to formally request the removal of all late transactions and any bankruptcies ( its been over 10 years for bankruptcy ) as they are in violation of the Fair Credit Reporting Act, specifically 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) As stipulated by the law, transaction are not supposed to be on your credit report.

Additionally, I would like to request reimbursement for any damages incurred as a result of this error. It is important to me that my credit report accurately reflects my financial history, and I believe that this mistake has caused undue harm.

Please confirm receipt of this request and provide an update on the status of my credit report and the reimbursement process.

Thank you for your attention to this matter.
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.EXPERIAN
Product: Credit card or prepaid card

Every time I call Chase XXXX XXXX XXXX and ask them where they sent the XXXX XXXX  I earned from using the Chase XXXX XXXX  XXXX, the customer service representative says " I don't know what XXXX  account we are sending the miles to at XXXX. '' Sometimes they give me a fake number to shut me up, sometimes they say " I will transfer you to my supervisor '' and simply put me back into the queue to wait another hour for a customer service representative to answer ( instead of his supervisor ). XXXX says they have no idea to which account Chase is sending the miles, and Chase is claiming they have to ask XXXX which XXXX account is associated my credit card ending in XXXX, and it will take another 2 weeks to hear back from XXXX. Chase is simply running around in circles. If Chase is telling the truth that they sent XXXX miles to XXXX XXXX, then Chase knows which account they were sending the miles to. The Chase credit card statement does not reveal the XXXX XXXX account number, and it should. Since I started to complaining to Chase, Chase began retaliating against me, by denying every attempt I have made to use their credit card for my purchases.
Product: Credit card

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> & noticed somethings are inconsistent and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : [ CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *See attached screenshot of all XXXX credit reports
Product: Checking or savings account

It is a venmo account starting XXXX XXXX. 
Accorinfing to To the FDIC you can't actually confirm my identity Which I find particularly very peculiar considering the fact that I've sent you my a number of times I think over 5 so shop with the XXXX XXXX XXXX XXXX XXXX unlock my account right now because according to the ftc there's nothing untoward unusual about my account other than the fact that you're lying to them saying that you couldn't confirm identity give me the XXXX XXXX XXXX get on it just get on it right now because I'm sick and tired of this INSANE THEYVE HAD MY OVET {$4000.00} frozen over 1000 days
Product: Debt collection

I have no knowledge of this debt. This debt was recently placed on my credit report. I was not notified properly of this debt before been placed in collection. This is a violation of my rights. Company is now close but debt continues to be sold to several collection agencies.
Product: Credit reporting or other personal consumer reports

For the record... 
I Am XXXX XXXX : XXXX XXXX agent on behalf of the estate that this debt is being reported to I XXXX shall not be with LEGAL NAME I have appointed the IRS as trustee and fiduciary of the Estate/Account/Principal XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and instructed that this debt be discharge Pursuant HJR 192 of 1933
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a payment of {$1300.00} via XXXX ( through the Chase app ), for a product when I intended to purchase from XXXX XXXX. The person arrived with the incorrect product, and said they were going to return the next day with the correct product. They then blocked all forms of communication and never delivered the product. I contacted ChasXXXX on XX/XX/XXXX, however, they were unable to retrieve the funds and advised that they can not assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the items listed on my report deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests.
Product: Vehicle loan or lease

My sister and I applied for an RV loan at XXXX  XXXX. After initially checking our credit and prior to applying with any lenders the credit person at XXXX XXXX informed us that we would not be approved because we have never had credit together. The Credit person then asked me to take out the loan on my own. I refused. He stated that a small local lender may make the loan but at a higher rate. I ask him to apply for the loan through US Bank , XXXX XXXX XXXX and the local banks to see what comes back. 

My sister is recently a widow. She is XXXX years old with not debt other than her mortgage and a XXXX FICO. Plenty of income and cash in the bank. I am XXXX XXXX FICO no debt other than my mortgage and again plenty of cash in the bank. This is a very low risk loan. We wanted to buy this together for the family, so we could all spend time together. The plan was also to help her reestablish herself on her own, so this new was devastating to her. 

XXXX XXXX XXXX XXXX  made the loan and gave us a great rate but US Bank sent us a vague AA letter. I had to request in writing the actual reasons and i am still waiting for those. 

The fact is this process and policy is wrong, I have been iXXXX XXXX long enough to know that, in fact anyone who has taken a single RegU course on lending would know that. XXXX XXXX made the situation right by finding a lender but how they got to that point was wrong. At the end of the day if US Bank or any lender can require someone to previously have credit together they can in essence prevent people like my sister a widow from obtaining credit. This policy is Unfair to a  segment of the population. 

Please email or call me if you have any questions. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and Equifax requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. 

15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Mortgage

I contacted XXXX XXXX of XXXX XXXXXXXX XXXX in XXXX to inquire about a refinance into a construction loan situation so that I may build my parents a home in a seperate dwelling located on my existing property. XXXX weeks prior to closing ( and after subpar communication regarding lending fees, timelines, etc ) I am contact via email by XXXX stating that she was going back and forth with her underwriters and had no idea that her company could not support such an investment. 

My credit has already been considered Permits have already been paid I have a contract with the construction company based off of XXXX misinformation. 

Horrible situation to be in, now I am jumping through hoops with no support from XXXX XXXXXXXX XXXX, XXXX could only sheepishly send out an email to me with an elaborate " Im sooooooooo sorry ''. Extra letters dont fix this.
Product: Debt collection

My ex wife did not pay a bill owed to XXXX XXXX XXXX. 
I have contacted them and they know it is not my bill. And since 2008 this has been on my credit report causing me hard ship and paying higher interest rates. I have asked and they have said they would remove this over XXXX times now. Staurt & lippman collection agency is located in XXXX Arizona, Home OfficeStuart-Lippman & Associates, Inc. 

XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX Toll Free : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX the trouble it has taken me to try and remove a collection account for {$100.00} dollars, that is not even mine. 
this is an out rage. Shame on them for doing this to a person
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XX/XX/XXXX, Equifax, and XX/XX/XXXXupon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t