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

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance XXXX : {$470.00} ; XXXX XXXX  XXXX Balance XXXX : {$950.00} ; XXXX XXXX  XXXX Balance XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance XXXX : {$2200.00} ; XXXX XXXX Balance Owed : {$6700.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed XXXX {$250.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; PRESTIGE FIN XX/XX/XXXX ; XXXX MOTORS XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; REDS XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX Balance XXXX : {$6700.00} ; XXXX CRED XXXX XXXX XXXX : {$470.00} ; XXXX CRED XXXX XXXX Owed : {$950.00} ; XXXX CRED XXXX XXXX Owed : $ XXXX XXXX  XXXX Balance Owed XXXX {$2200.00} ; XXXX  XXXX XXXX Balance XXXX : {$1500.00} ; XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX Balance Owed XXXX {$3000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX H XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

To Whom It May Concern : My name is XXXX XXXX and I own the property located at XXXX XXXX XXXX XXXX, XXXX, Il., XXXX. This letter is a statement explaining Loan Depot improper reporting to all 3 Credit Bureau. 

In XXXX of 2020 Loan Depot advertised on my account login a mortgage forbearance plan to assist home owners who were having difficulties due to the Coronavirus shut-down. I signed up for this plan because my tenant and I were temporarily not working due to our companies having to close. In this plan that Loan Depot offered they stated very clearly that there would be No Negative consequences for entering into this plan as long as we complied with all of the terms of the plan. I did comply with all of the plans terms and conditions. 

In early XX/XX/2020 I begin looking into refinancing my mortgage. The first thing I did was check my credit score and principle balance with loan depot. On XX/XX/2020 my outstanding Principle balance with Loan Depot was {$650000.00} as reported by all 3 Credit Bureau. On or about XX/XX/2020 I submitted preliminary inquiries/applications to refinancing my mortgage with multiple companies. On XX/XX/2020 XXXX  contacted me with an alert that my loan balance had increased and my credit score had drop 14 points. I then investigated this and learned that Loan Depot increased my remaining Principle balance due by over {$10000.00}. 

I immediately contact Loan Depot regarding this Principle increase and they told me they had the right to do so because I was on the Forbearance Plan. I reminded them that the terms of the Forbearance Plan specifically stated that there would not be any negative reporting done on my credit. I then contacted my attorney and sent him all of my supporting documents. My attorney informed me that Principle Balances can not be reported as increased due to outstanding balance on a mortgage without a court ordered foreclosure proceeding. 

This false reporting to the credit bureau is still on all 3 bureaus and Loan Depot has been unwilling to remove it.
Product: Vehicle loan or lease

I returned the vehicle to JD by rider and they are still wanting the whole amount for the car after they have already sold the car they have not deducted anything from the price that they received from the car. I have attempted to pay a lesser amount, but they refused.
Product: Credit card or prepaid card

I have a credit card with Discover. I filed a dispute on XX/XX/2022 because I received melted, broken candy and shattered glass due to the company 's ( XXXX XXXX ) poor packaging. I called XXXX XXXX and they said they would have a manager reach out to me. They never reached out until I e-mailed them 3 times. 

I finally opened a request with Discover when they only offered me a partial refund of XXXX dollars. I provided all information Discover requested, including photo documentation of the broken glass to Discover. 

The company nor Discover is willing to help me. I am a loyal customer, using my Discover card without disputes but when I finally have a problem, they don't help? I have never had such a negative experience with a bank before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced account above on ( XX/XX/2022 ) The credit report of ( Experian ) shows this item were deleted from my credit file. Now this item have reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions :
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX XXXX  # XXXX XXXX # XXXX XXXX  CARD # 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have notified and submitted my XXXX XXXX report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Fraudulent and Inaccurate Reporting I am filing this complaint against Equifax for reporting an inaccurate and fraudulent account from ConServe ( XXXX XXXX XXXX XXXX XXXX ) on my credit report. This account contains numerous errors, violates multiple federal consumer protection laws, and has not been properly validated despite my efforts to dispute it. 

First, the account was fraudulently opened using my personal information without my knowledge or consent. I have no contractual agreement with XXXX, yet Equifax continues to report this account. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to ensure the accuracy of all information they report, and ConServe has failed to meet this obligation. Furthermore, they have not provided an original signed contract or sufficient evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Second, Equifax has violated its obligation under FCRA 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy of consumer credit information. The account contains multiple inconsistencies, including discrepancies in the date of last activity, date opened, and account status. Additionally, Equifax has marked the account as disputed but continues to report derogatory remarks without conducting a proper investigation, as required by FCRA 1681i ( a ). This ongoing failure to investigate and correct inaccurate information is a clear violation of federal law.

Equifax is also in violation of FCRA 1681c ( a ) ( 3 ), which prohibits the inclusion of disputed or unverifiable information in a consumers report. Despite being notified that this account is fraudulent and unverifiable, Equifax continues to report it, further compounding the harm caused to my credit profile. By facilitating XXXX actions, Equifax is enabling a violation of FDCPA 1692e, which prohibits false, deceptive, or misleading representations regarding a debt.

I demand the immediate deletion of this fraudulent account from my credit report. Equifax must cease reporting any information related to this account unless it can be fully validated with an original signed consumer agreement. If Equifax fails to resolve this matter promptly, I reserve my right to seek legal action for damages under the FCRA and FDCPA. This includes pursuing statutory and punitive damages for XXXX continued noncompliance with federal laws designed to protect consumers from fraudulent and inaccurate reporting. 

Equifaxs handling of this account has caused significant harm to my creditworthiness and financial well-being. I expect immediate corrective action to address and resolve this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to remove unauthorized inquiries that may have been due to a data breach. They were informed of this error last year and failed to remove this information. I have already sent my Equifax data breach claim id and FTC report, but I will attach the FTC report again for your reference. Remove the following unauthorized inquiries from my credit within 7 days or I will have no choice but to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

You contacted them and they said the date of the loan was XX/XX/XXXX. They simply now changed the date to XX/XX/XXXX. I did not take out either loan. I did not have a physical address or checking account. I was unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting loans that are older that 7 years old and it is messing with my credit balances. When  I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX  XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS XXXX XXXXXXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY! 

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX XXXX XXXX  XXXX # XXXX AND ALL INFO FROM XXXX, Experian, and XXXX XXXX XXXX  XXXX XXXX XXXX AND ALL INFO FROM XXXX, Experian, and XXXXXXXX XXXX XXXX Account XXXX XXXX AND ALL INFO FROM XXXX, Experian, and XXXX XXXX XXXX  Account # XXXX AND ALL INFO FROM XXXX, Experian, and XXXX  XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, Experian, and XXXXXXXX XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, Experian, and XXXX
Product: Debt or credit management

The company called Americor sent me a flier that they could give me the loan to settle my credit debt. I called the number and and talked to the agent and she confirmed that if I am approved they will repay my credit debt. I've got approved for loan repayment program. After spending several hours for getting approved, signing paperwork online, and agreeing to pay XXXX dollars every month with about 6 % of rate the agent told me that after about XXXX months my loan will be repaid. I agreed to terms only on condition that the loan will be paid I started paying the money to escrolls account. I was warned that my credit score will go down but after the Americor will pay off my loan I will repair it very fast. After about a month I became suspicious and called the agent several times and she confirmed every time that I am not on loan consolidation but loan repayment program. After 2 months I withdrew from the program, because on my online account I was on loan consolidation program, but every time I called the agent who signed me up for the program ensured me that I am on loan repayment program. She was assuring me that everything is going fine, the process has started and pointed that next week after my call the company will start paying off my debt. As a result I end up with credit score dropping to the lowest point and I most probably will file for bankruptcy.
Product: Credit card

I have been XXXX XXXXXXXX XXXX XXXX XXXX  for nearly 2 years I have contacted them to lower my rate to 6 % and they dont want to im paying nearly 29 %. I have tried multiple times.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit card

This account is closed and will need to be delete from credit report. In accordance with the Fair Credit Reporting USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed disputes with all three reporting cos also call the credit card i filed with you last my 3 scores jumped up XXXX and showed the credit paid off XXXX 2023 then today i get an alert on my phone trans just dropped my score XXXX points for the increase on my credit card i went online and loged in still XXXX balance then i called and ask why trans is showing {$350.00} bal they said it wasent them the i filled out another disupet i asked trans where the hell they get there information from to fix it now!!! i cant belive this goes on every month i am trying to buy a house and no bank will tuch me iam XXXX this year pull my report are they hacked please help this is not fair
Product: Debt collection

After being in contact with CKS Financial through my cell phone and making 2 payments towards my debt, this company violated the FDCPA law and contacted me at my work number when I never gave them permission to do so. I stated on the phone that my cell was the only number to contact me on, however they called my work to try to collect a payment. I would like this investigated please.