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

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

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my wrItten InstructIons.

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

Hello CFPB, I 'm writing today to report issues with  XXXX  accounts negatively reporting on my   XXXX   and Experian credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company 's I submitted investigation request to were Experian and  XXXX .     For accounts being reported by  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .     The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I have  XXXX  missed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian. I have submitted a prior complaint but Experian did not address complaint by saying they could access my information? CFPB closed the complaint. Why?
Product: Debt collection

XX/XX/2022 I was notified of a debt for {$12000.00} as it was flagged as not being paid by XXXX. I use XXXX to monitor my accounts etc. 
the company name in question was Affirm. I had never heard of that company before. I called after finding the website of Affirm. They told me I did not have an account with them and could not provide me with any information. I am still trying to request documentation from Affirm. I have never received a bill, account number, balance or any communication of any variety from Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, and Transunion on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.
Product: Money transfer, virtual currency, or money service

I purchased $XXXX worth of Litecoin on XX/XX/XXXX at approximately XXXX XXXX Eastern Time.  My debit card was charged, but never credited to my litecoin account.  I have E-mailed numerous times, and have not received a resolution to my problem.  It is now 19 days later.
Product: Credit card

Synchrony Bank has began to charge {$190.00} to send a monthly paper statement. This was not communicated to me in any way and I certainly did not receive any type of change in terms notification. This is a junk fee and does not align to the spirit of regulation Z.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an incorrect late payment reported on my report without me knowing it for 8 month from XX/XX/2017. I only found out about this when I was denied a home equity loan. After dealing with each credit reporting agency, I did get those late payments deleted, however, my credit score was still massively lower- XXXX down to XXXX during this process. It is entirely unreasonable and inappropriate for 1 late payment over the course of 20 years of credit to drop my credit score by 85 points and take it from excellent to marginal. This is unacceptable. Consumers should have free and available access to their credit reports and scores and be notified of any changes up or down by any agency that is touching a consumers credit. In fact, I do not believe private companies should be able to hold this power. I urge CFPB to look into making credit scores available to consumers and the process by which the scores change public. Consumers should understand what and by how much their credit score will change with any given infraction or action. Please protect consumers and take the guesswork out of credit reporting and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX {$570.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX XXXX  XXXX XXXX XXXX XXXX {$48.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 

XXXX/XXXX  XXXX XXXX {$310.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. 


XXXX XXXX XXXX XXXX XXXX {$300.00} I filed and ftc report and spoke with the creditor and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed late payments on my account with Foursight Capital LLC.In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the FCRA, as outlined in 15 USC 1681 e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have below. In addition to that late payments are considered transaction due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681 a 2 ( A ) ( I ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with Foursight Capital LLC on the dates below be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safe guard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner. 

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

XXXX Account Number : XXXX I am making this request based on the belief that the securities related to this account fall within the category contemplated in Section 2.05 of Regulation S under the Act. As such, I kindly request that you consider the following points in support of my application for debt discharge : Category Contemplated in Section 2.05 of Regulation S : I believe that the securities associated with my account fall within the scope of Section 2.05 of Regulation XXXX, which pertains to offerings and sales of securities outside the United States. I request that XXXX thoroughly assess the eligibility of my account under this regulation. 
I, as surety, do stipulate that if you the creditor does not apply the debtors security ( Promissory Note ) as tender of payment and collection, to the account as paid in full or state that you are disclaiming the tender or were unable to get collection from an insolvent debtor, then I shall be discharged as surety. 

Deprivation of Rights : My continued obligation to repay this debt is causing undue financial burden and depriving me of my inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. As such, I assert my right to request debt discharge under applicable regulations. 


Properly remit enclosed 1099c form by completing and providing me with a copy so I can properly complete my taxes because all cancellations of debt have to be placed on a 1040 tax form. Additionally, please provide copy and documentation that the 1099c has been transferred over to the treasury. Provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX
Product: Money transfer, virtual currency, or money service

Had unauthorized transactions on CashApp but unable to contact anyone.
Product: Debt collection

On XX/XX/year> I XXXX XXXX send U.S. Bank an Affidavit of Facts to Validate the alleged debt that was said I owe. U.S. Bank has not rebutted my Affidavit of Truth nor did U.S. Bank provid the documentation requested to validate the alleged debt. 

Please provide the following documentation to validate this alleged debt.

1. Full detailed list of the payment history on this account.

2. Please provide the original signature that I agreed to on the contract for U.S.Bank.

3. Has there been any insurance found on this debt.

4. Please provide the claim of Title that you have to collect this alleged debt.

Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed immediately.
Product: Debt collection

A fraudulent assignment of mortgage was used to claim ownership and obtain a foreclosure sale on XX/XX/XXXX. 

The enclosed assignment of the mortgage recorded and filed on XX/XX/XXXX, in the county clerks office of the XXXX/county of XXXX is fraudulent. The assignment of a mortgage uses MERS, who can not legally assign to XXXX XXXX XXXX, a company that did not exist on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly went out of business in the year of XXXX 

The Trust to which the mortgage was allegedly transferred had closed in XXXX, and could not have accepted the assignment in XXXX  7 years After the Trust had closed. Transferring non-performing loans into a Trust or making an out-of-time assignment is void under the New York Trust law XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

I completed an applicaion to refinance my home on XX/XX/XXXX with Mortgage Clearing Corp., however even before completing the application a hard credit report was pulled. Since the hard credit report was pulled I decided to complete the process. I completed the application and contacted the mortgage company I spoke with XXXX XXXX a loan officer who told me that they were backed up but he would call me right back to answer my questions and check on the status of the application. I never heard back from him so I called again on XX/XX/XXXX 3 seperate times left a message again no return call. I called back on XX/XX/XXXX, XX/XX/XXXX left messag for XXXX XXXX or XXXX not certain of the last name and XXXX no return call. Called back on XX/XX/XXXX left message with XXXX no return call. Called XX/XX/XXXX spoke briefly with XXXX, he said he wasn't sure why the delay and that he would check on it and call me back. No returned call from XXXX or XXXX. Called back on XXXX left message with XXXX no return call. Called back on XX/XX/XXXX got XXXX 's voice mail did not leave a message. Called back on XX/XX/XXXX left message for XXXX, called twice on XX/XX/XXXX left message for XXXX and for XXXX. No call back. Emailed the mortgage company on XX/XX/XXXX pleding for a return call, no call back. Called XX/XX/XXXX and this time I was put in the voicemail box of XXXX, left message. The voicemail of XXXX said if you applied for a loan you should hear back within 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter to experian concerning the validation of unverifiable/inaccurate accounts that were shown on my credit report. Till this date they failed to respond to my dispute and failed to show me proof on how they were able to verify these account. I am seeking litigation, please delete at once.
Product: Credit card or prepaid card

America Express m arkets their EveryDay credit card as provid ing 2X POI NTS  at U.S. su permarkets on up to {$6000.00} per year in purchases, but fail to provide reward points for purchases from major  XXXX  California grocery stores, specifically  XXXX  and  XXXX .  XXXX , one of the largest supermarket chains in th e US, ow ns  XXXX  and  XXXX  ; the  XXXX  Website store locator clearly shows the stores. I have purchase d $ 1000s  of dollars from  XXXX  and  XXXX . I opened a complaint wi th Am Ex  :  XXXX . Am Ex says the  XXXX  division merchant coding indicates the stores  (  which  XXXX  is a part ) are something other than supermarkets. That is just flat out wrong. I cant fix it ; Am Ex wouldnt. I am hoping the CFPB can lend a little clout to getti ng Am Ex to fix what is probably a clerical or systems error and live by what they promise.
Product: Mortgage

I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  [ MIDLAND CREDIT MANANGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ] 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 consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i was at work when my information was hacked online i have no knowledge of this collection of {$700.00} with XXXX and on XX/XX/XXXX i was a victim of identity theft i have no recollection of this account with XXXX XXXX XXXXXXXX for {$510.00} please help me delete these XXXX
Product: Debt collection

I was sent a random text message with no detail about a debt collector. I haven't received anything by mail. This was on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been an on going issue with this account. Not only have I not given written consent for this account to be furnished, It is inaccurate. XXXX  has already recognized the issue and has removed it from my report. This has caused me stress and has shown a bad representation of me as the consumer.