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

To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. 

According to the FCRA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt : Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety. including any application. accompanied by a commercial affidavit sworn to be true. correct. and complete. upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract agreement / promissory note ; Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? 
Please describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or oavment were accrued in your firm 's procedure, authorized by the consumer agreement and creating the debt or permed by law, 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ;
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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

XX/XX/XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX and TransUnion consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}
Product: Mortgage

In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.
Product: Credit reporting

Complaint wrong furnisher XXXX/XXXX/XXXX This complaint is in reference to wrong furnisher reporting on a XXXX account. Currently this account is reporting under furnisher XXXX XXXX XXXX subscriber # XXXX The correct furnisher is XXXX XXXX XXXX subscriber # XXXX. 
The FDIC has stated on XXXX/XXXX/XXXX the account belongs to XXXX XXXX XXXX and I have been instructed that they are to receive the FTC Fraud Affidavit. 

I have notified XXXX XXXX XXXX through there represented on XXXX/XXXX/XXXX that the FDIC has stated that XXXX XXXX XXXX is the owner of the debt. However XXXX XXXX XXXX continues to report as furnisher. 

I believe I need to file the FTC Fraud Affidavit through TransUnion with a FCRA 605b attached, so that the account can be blocked from my credit report. 
I do not want my FTC Fraud Affidavit to accidentally be sent to the wrong company. 
I believe each company has there own policies and procedures for handling FTC Fraud Affidavit, therefore it would seem important the FTC Fraud Affidavit went to the right company. 
Please see attached letter sent to TransUnion on XX/XX/XXXX and letter from FDIC dated XXXX/XXXX/XXXX stating the account belongs to XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous disputes with XXXX, Transunion, and XXXX  with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, Transunion, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under XXXX XXXX Code XXXX Permissible 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. 
Did I ever give you written instructions to furnish this account on my report? 

Furthermore, the Fair Credit Reporting Act XXXX XXXX Code 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 transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences. 

Delete the above late payment from my consumer report. This agency is in violation of XXXX XXXX XXXX XXXX. 

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance XXXX. Civil Liability for willful noncompliance [ XXXX XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I THOUGHT THAT I HAD FIXED THE PROBLEM WITH THIS CREDIT AGENCY ( EQUIFAX ) ON XX/XX/2020, BUT I FIND THAT THE PROBLEM IS STILL THERE ON XX/XX/2020. I PAID FOR THERE SERVICES XXXX AND I TRIED TO LOG IN TO MY ACCOUNT TODAY AND IT TELLS ME TO CONTACT THEM. SO I DID AND GAVE ALL MY INFORMATION AND AFTER ALL THAT TIME SHE INFORMS ME THAT THEY CAN NOT VERIFY THAT I AM WHO I AM. THIS IT REDIULUS AND IM NOT ONE BIT SATISFIED AND THIS HAS CAUSED ME TO SUFFER AND I AM OUTRAGED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in Experian and XXXX. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - late/OPEN - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00} - late/OPEN - XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX late/CLOSED - XXXX
Product: Mortgage

I have a Bank of American Mortgage Loan which I secured in XXXX for property, XXXX XXXX XXXX XXXX, XXXX GA. Since, XXXX Bank of American removed the Mortgage Payment History regarding this Mortgage from my Credit File. I have contacted BOA on several occasions and requested their assistance with placing my payment history for this particular mortgage BACK TO MY CREDIT FILE. 
Attached you will find a copy of a current Mortgage Statement for payment for this Mortgage along with a recent copy of my XXXX Credit Report which still reflect NO REPORTING of my Mortgage and/or Mortgage History from BOA which I disputed with XXXX. 
It would be much appreciated if CFPB can assist me with getting BOA to come into COMPLIANCE WITH the FAIR CREDIT REPORT ACT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed XX/XX/2016 Reporting of Bankruptcy court # XXXX, case # XXXX ( XXXX ) Dismissed/Closed Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
The reporting of this hasnt been verified that it was furnished by the bankruptcy court system. It was actually furnished by Lexis Nexis. If within this investigation it is determined that it wasnt furnished via the properly lawfully process, which is the bankruptcy court itself, I would like to request that this reporting is removed from my credit file immediately. If not I will be forced to file for litigation in court to have this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with CITI Bank Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another Associated XXXX XXXXXXXX XXXX and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the Citi card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the CITI Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the CITI Bank Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, CITI bank reported me to the credit agencies ( XXXX, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.
Product: Credit card or prepaid card

Hi, I had several consumer accounts that I have had for years that were part of GE Financial Services. GE Financial sold off all of their consumer credit accounts to XXXX XXXX. As soon as Synchrony took ownership of my accounts they began a systematic lowering of all of my account credit limits, and closed without notice at least two of my accounts that had a {$0.00} balance.
When I called to inquire why I was told that my balances were to high in comparison to my credit limits. I explained that they were not in this condition until they had lowered all of my credit limits. They proceeded to then go off on a tangent about my overall credit etc., etc. Even after I have paid off two of their accounts, they continue to chase the balances on my remaining accounts with them. With a tiny bit of research I found that this is a widespread practice of XXXX XXXX, and that I am not the only one that is having their credit score damaged by this practice. I have always paid all of my accounts, and continue to do so. IS there anything that can be done to stop this practice? Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX with number XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an email the morning of XX/XX/2022 from one of my credit unions stating that I have a new credit alert and that a new trade line has been opened in my name. I did Not open or authorize this! I tried signing into the link associated with the alert from XXXX XXXX who is affiliated with XXXX and they monitor my credit report and send me updates through my credit union. When I tried signing in, I was told that there were too many attempts and that I had to reset my password. That let me know that there was some possibility of someone else trying to access my account as well so I follow the prompts to change my password for the credit union. However the credit union and the Store credit card that Has the FRADULENT Trade line are not linked so I have no idea whats going on here its confusing and the next thing I did is started changing things like login information immediately and making phone calls. The store company that has the trade line is called XXXX XXXX and i dont know who is doing this because there is no track or trace of an inquiry. I do have a XXXX XXXX credit card and dont want to lose it so I just want the fraudsters to get off my credit with the trade line that I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me XXXX  statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. 
This is fraudulent, If not removed I will report to Attorney general XXXX  XXXX- Debt invalidated Portfolio mailed me XXXX statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??
Product: Credit reporting

I have mailed in my information to the bureaus advising I am not disputing the information on my credit report however, I still have accounts showing they are in dispute and they should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on Transunion and XXXX that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.
Product: Vehicle loan or lease

I have been a member of USAA bank for over a decade. I have paid a {$5000.00} dollar personal loan at 16.5 % in full. I have paid a credit card at 26 % interest in full. I have tried to get insurance through usaa for nearly 4 years now and have been denied time after time. I have tried to get an auto loan for the past year with usaa and have been denied every time. I deposit checks and usaa holds half or over half of my money for a week. Leaving me only a fraction of my money to live on. USAA does not care when I call and beg for my money when they decide to hold it. They instead tell me to do a cash advance through my credit card so they can make 30 % interest on their desperate broke customers money as they hold it hostage for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX  and was created by my XXXX  without my consent and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account since 2019, it was deleted by XXXX XXXX, then they sold it to XXXX XXXX all through Transunion and they have not investigated properly even with all the disputes I have done and giving for 3 years. Transunion only reported remains after first deletion. XX/XX/2019. How the same account is accurate and deleted. no other bureau has reported this because its not any evidence or any proof, but same name and same date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Dept of ED/XXXX has violated my rights. 
Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.