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

The initial complaint against this Credit Bureau was not addressed or resolved. It was the request to stop tracking my credit and flooding me with ads about the purchase for their credit monitoring that I already have and I am paying someone else for it.The Decrease in my XXXX score is Experian 's retaliation and this was not addressed. 

The reply was only a lot of over stated jumble that does not clarify an answer to my complaint as to why this credit bureau continues to track me and discriminate against me.This is all about unfair, inaccurate and discriminatory reporting. It is all about taking advantage of consumers who always pay their bills on time, because credit bureaus are a XXXX and have the power to do so and the consumer has no recourse or way out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Caine & Weiner Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Account # XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the XXXX XXXX
Product: Debt collection

I lost the bill sent to me by the medical provider and subsequently forgot about it and didn't pay the bill. When notified that the bill was outstanding I paid the medical provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Hi I Disputed the charged off account XXXX  XXXX  on my credit report citing incorrect information. I demanded that this account be removed from my credit report since it is not reporting accurate information. The company reached out stating the account had been verified as accurate but never showed me proof as to how they came out with that conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late payments on my credit report. Ive never had an account with this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

XXXX XXXX has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
XXXX XXXX 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Case Number : XXXX Please remove it from my credit repor
Product: Payday loan, title loan, personal loan, or advance loan

I was told when spoke with someone from Credit Corp Solution ( XXXX XXXX ) which is the original creditor, that this was a {$5000.00} loan that was taken out XXXXXXXX XXXX XXXX. I explain to them I have no knowledge of this loan I then request for validation letter because they now have to explain to me where did they release these funds to and who received, Please be advise Credit Corp Solution is not the original creditor they are actually a third party that, this debt was sold too from my understand. I have yet to receive a validation letter explain how this became valid also the amount that on my credit report has gain interest and fee and i don't even no where this loan was funded. They no have on my credit XXXX, XXXX, XXXX that this account was open in XXXX XXXX and my total balance is {$6000.00}. I have dispute this account with all credit bureaus and it still reminds in place on credit report. All the information dealing with this account is inaccurate information and will like for CFPB to do investigation requesting all paperwork match all date .this company is trying charge me for a loan that I didn't even apply for or received this FRAUD. They have yet to do a investigation like I request and now trying to hold me accountable for there negligence. I come to CFPB to investigate this company and many other complaints that has been place against them Thanks in advance Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA.
Product: Credit reporting or other personal consumer reports

Credit inquiries on my credit report that I don't recognize. It wasn't authorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

Hey guys so back in XX/XX/2020 I opened a discover account but since I live in a mobile home with a assigned number they never sent me a card notice that my account was approved & opened & my card never came in the mail the first 8 months after opening the account. I did receive however a cash advance of {$120.00} and since I was unemployed at the time I didnt know where it came from so I cashed it out to help out with my bills. 7-8 months later I got a call from a random number and I answered and it turned out to be someone from discovery letting me know that my credit card account is on hold and they might delete it due to not paying the amount of {$120.00}. So I had asked him why I have not received a card if I had an open account and he check into it and found out that my address put did not have my space number so I never received it. They told me that theirs nothing they can basically do since its already on my credit.
Product: Debt collection

Portfolio recovery Associates was challenged on the validation of a Unverifiable debt. Portfolio recovery and associates account # ( XXXX ). In XXXX of 2019 I sent the company a validation letter, asking the company to validate the debt they claim I owe, In the letter I as the company to validate the following information ; : I asked portfolio recovery and Associates to provide me with a description how's the money they say I owe ; : Provide a description of a full calculation of the debt they say I owe ; ( please see attachment for further details ) the company responded with a statement from the original creditor. According to the law statements are not clear validation or proof of ownership. 

: Provide a description of who the original creditor was, and to provide proof of last payment made ; the company has not provided or validated this information. A violation of FDCPA sec 809 : To provide me with original documents and copies of consumer contracts showing proof that agree to pay what the company claims I owe ; the company has not provided or validated this information.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I seen a bunch of inquiries that I do not recognize I asked for all the items to be removed. ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX assigned XXXX XXXX over account # XXXX in the amount of {$1100.00} was terminated and per CRA policy must delete their reported collection in avoiding their demonstration of two collections on the same reported debts should any new debt collector ( ie : XXXX XXXX XXXX XXXX XXXX ) obtain collection authority and report to the CRA. Therefore, I dispute the continued reporting of the terminated, unpaid collection. 

Pursuant to 18 USC 8, I owe no debt. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are violating my consumer right to privacy pursuant to 15 USC 1681 b 2. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

On Saturday, XX/XX/XXXX, as I was leaving to take my daughter to XXXX, GM Financial repossessed my car. I was unaware my automated payments were discontinued, which caused a default. While the vehicle was on the tow, I spoke with two different GM Financial representatives, explaining that I did not know payments were discontinued and that I would be happy to pay the delinquency in full, as well as any out of pocket costs GM Financial incurred. GM Financial indicated they did not have a process for that and took the vehicle. GM Financial did not have a current phone number for me and did not mail me any notices to the XXXX XXXX address on file because, as they explained, I elected to receive paperless statements. I receive monthly emails from GM Financial indicating that " my statement is ready for viewing. '' I do not click on the view link. The emails over the last 90 days were the same as I have received over the last 2.5 years. I also would not notice GM Financial 's cessation of withdrawals from my checking account because the monthly payment is extremely low and not something I monitor. GM Financial did not contact GM proper for my current contact information, who has my current contact information as I service my vehicle with GM and have been in recent discussions with GM for new leases for my family this spring. I have also been in for service within the last 90 days. GM Financial also did not XXXX  my name, the 1st search result of which would have been the direct dial to my desk. I spoke with three GM Financial representatives on Saturday none of which would tell me why my automated payments were discontinued. I talked to my XXXX year mother last night because the GM Financial representative indicated they called her. My mother said she received daily calls from XXXX, according to the caller ID. My only concern is the reporting of a delinquency on my credit report. I don't care to waste time pointing fingers. According to the website, the past due balance is {$1100.00} ( 94 days ). I will not be permitted to pay until XXXX Monday. Please assist.
Product: Mortgage

I'm a first time home buyer and was referred to my lender by the real estate firm I was working with at the time I started this process. The realtor and lender were friends so that is how I got the introduction to this lender. A few weeks later, I terminated my contract with the realtor due to his work ethic. The realtor I fired is the lender 's friend. Ever since I terminated that agreement and signed a contract with a new realtor, my lender has been unresponsive, unprofessional, and nasty. He doesn't answer calls from myself or my realtor, won't answer emails and has been insulting and nasty. We can't get answers to our questions, can't get guidance, and as a first time home buyer this is absolutely terrifying and unwarranted. I have never received such horrible customer service in my life. And it's not just me, my realtor has never dealt with anyone so unprofessional and nasty before either. This needs to be reported so nobody else goes through an experience like this. I'm literally in the dark in the process and have nobody to turn to for help.
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the late open accounts listed on my credit report. I am seeking assistance in correcting these inaccuracies promptly. 

I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing documentation and evidence to support my claims. However, despite my efforts, these late open accounts persist on my credit report. 

This situation has caused significant stress and hardship, as it affects my ability to achieve my financial goals and secure important financial opportunities. Therefore, I am seeking the intervention to ensure the prompt correction of these inaccuracies. 

Upon reviewing my credit report, I discovered several late open accounts that do not accurately reflect my financial history. These inaccuracies are causing harm to my credit score and financial reputation, hindering my ability to access credit and obtain favorable terms on loans and other financial products. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX  XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$920.00}.
Product: Mortgage

Spoke with XXXX ( and the home dealership ) during several weeks Between XX/XX/year> and XX/XX/year> regarding a manufactured home purchase. Was pre approved within 24 hours and over the next few weeks the loan officer kept creating more hurdles in order to complete the home purchase process. 
I was required to put down an SUBSTANTIAL down payment ( Over 50 % ) Each time the vendor and the mortgage broker were not in agreement or it seemed not in good communication at all. 
This required a lot of lost time and financial strain to drive to give the information to the lender as requested. 
They kept requiring more and more documentation to include copies of my all of my minor childs identification and the last straw was them ( From the TN Office of ) contacting my XXXX without my consent or permission. ( they had already received sealed documents prior to verify their request. This XXXX from the state called me to let me know if her concern and had let me know she would NOT VERBALLY Speak to them ( its against the law ) and would only release any information to them if I had given her a signed release of information. 

The information I provided to them in any normal circumstances be enough. 

This process was so stressful and predatory that they kept the loan open despite my declining with the Home Dealership due to the ever moving goal post a $ XXXX processing fees, multiple credit pulls what felt like ongoing delays and creating additional requirements and requests beyond the initial offer. 

The lender kept the loan open until XX/XX/year> and called me to finalize the process to which I explained they no longer have business with me after making phone calls and contacts with business/ banks /state offices WITHOUT MY WRITTEN OR VERBAL CONSENT which is illegal in the state in which they were contacting. 
The individual on the phone claimed to have no idea what was going despite my having email verification/ text messages and correspondence regarding the entire 90 day ordeal. 

They created a nightmare senario and they need to remove the loan from my credit report I wont recover ( my costs from missed time, child care, paying for extended temporary housing because they kept moving the ball changing requirements and failed often times to DIRECTLY COMMUNICATE WITH ME. They instead would contact the dealership. 
They are misleading in their lending practices and predatory at best because they are mostly the single lender for any manufacturing housing. 

I can provide documentation hard copies if required as the requested records are in the envelope from the state to which only the broker opened and resealed. 
I am happy to provide anything needed to help prevent this from happening to anyone in the future and I feel like I am not the only one who has been through this.