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

XXXX XXXX XXXX XXXX XXXX XX/XX/1999 National Recovery NRA number XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically The original contract that was signed by me for this account Payoff disclosure Interest rate disclosure Balance history Payment history Credit insurance Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a late payment in XX/XX/2018 on my credit reports with all 3 credit reporting agencies. XXXX XXXX has provided a letter stating that this payment was not late and that they reported as paid on time XX/XX/2018. Because they reported it correctly they aren't able to submit a change and said I need to dispute with XXXX, XXXX   and Experian. I have tried with no luck getting the information corrected. This late is causing me to not be able to refinance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes Reference number XXXX Record type XXXX XXXX XXXXXXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reference number XXXX Record type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX A Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to XXXX XXXX requesting XXXX XXXX provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX  on XX/XX/XXXX to try to refinance my house, but they denied me due to numerous negative accounts. ( XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX, and on XX/XX/XXXX I discovered that my personal information had been used by someone else and opened numerous accounts without my consent or authorization as listed above. I did not receive any money, goods, services, or any other benefits as the results of these accounts being opened under my name. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no perpetrators have been found as of today. Please delete the accounts above because they are a result of identity theft. I certify all my statements are true.
Product: Credit card or prepaid card

In XX/XX/2023 I purchased a Vanilla Gift card at XXXX XXXX XXXX store for {$130.00}. Before I got a chance to use the card the balance was {$0.00}. I went to the transactions for the card online and saw there were 4 purchases made ; 2 to XXXX for {$50.00} each and 2 and XXXX for {$25.00} and {$8.00}. I put in a dispute about the unauthorize charges but only to receive a letter stating that there's nothing that can do and closed the dispute. 

I called Incomm Payments the same day I received the letter of denial an asked what did the investigation consist of. I was told they could no longer pull my account up because it was closed. I told the customer service rep that wasn't fair to me and I'm just suppose to except their findings? Well not me, I did my own investigation. I called XXXX about the transactions that was made with the gift card, gave them the order number and 2 gift card was purchased for XXXX XXXX XXXX and mailed to XXXX, Massachusetts and I live in NC. I did not get any information from XXXX because I did not have an order number. 

Looking at this company 's reviews, they are not a good company to purchase anything from. For all the reviews I saw, no customer was happy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX, XXXX XXXX regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place between XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE XXXX  DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage initially started with homebridge and I was under FEMA forbearance. I signed modification papers have them notarized in overnight at them back. XXXX never recorded the documents and sold my mortgage to XXXX XXXX. I can't get them to understand that there are 3 credit reporting agencies. They have corrected my report on 1 and not the other 2. I reported them to the XXXX  XXXX XXXX  multiple occasions because they won't make the corrections nor will they respond to any emails. Total lack of common sense. This goes way neck to XXXX  and they still can't get it right. Them and XXXX. Totally shady companies to deal with. XXXX can't even file the proper paperwork. They never even recorded my modification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXXXXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 


This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a 13 year old debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above Jormandy LLC with a court hearing date of XX/XX/XXXX at XXXX XXXX. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.
Product: Vehicle loan or lease

Bridgecrest has been the company managing my auto loans from XXXX. I purchased a vehicle and traded it in a few months later. Bridgecrest sent a paid in full letter for my XXXX XXXX XXXX once it was completed. The new vehicle, a XXXX XXXX from XXXX, had an engine issue and XXXX agreed to swap the vehicle for another. I now have a XXXX XXXX. 

Bridgecrest has failed to mark the loan from XX/XX/XXXX as paid in full across all bureaus. They are killing my debt to income ratio AND credit score by reporting that I have 2 auto loans totaling about {$80000.00}. This is FALSE! I only owe for the them for the XXXX XXXX! 

As of XX/XX/XXXX, I keep getting MyXXXX alerts that I have a new account with Bridgecrest. Screenshots attached below. 

On XX/XX/XXXX : XXXX trade-in XXXX XXXX Paid off on : XX/XX/XXXX Check amount : {$31000.00}
Product: Payday loan, title loan, or personal loan

I XXXX XXXX do not nor do I recognize an account with Ad XXXX XXXX XXXX- File # XXXX. 
Nor do I acknowledge that I owe them a debt or any amount of money. 
I have previously sent them a cease and desist letter to stop reporting inaccurately on my credit reports but they persist. 

They sent a letter admitting that they are not the original creditor and have no contractual relationship with me. The amount listed is incorrect and and so is my social security number they have listed which I'm not sure where they got that from. 
This could be a form of ID theft since I believe this was originated online. 

I am attaching the cease and desist letter that I sent them originally and the response letter they sent. It shows no original documentation. 
No chain of title if account was purchased. No signatures by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on TXXXX 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX. Equifax 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.
Product: Debt collection

Note : Portfolio Recovery Associates was sued in a class action lawsuit in XXXX and again in XXXX for violations of FDCPA by which they lack sufficient evidence to properly obtain default judgments- ( see. Portfolio Recover Associates, LLC et al. Consumer Action ( XXXX  ) and XXXX. ) Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to privacy in which they have furnished the credit bureaus with inaccurate, incomplete, and unverified information. ( see attachedments ) I have requested several times for PRA to provide me with sufficient admissible evidence of the debt 's existence. This was to include any and all information with original Creditor showing where PRA purchased the debt, wet signature documentation, accuracy of debt, ect. PRA has only responded with Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to Privacy. They have cause great harm character voiding ability to obtain credit. 

I'm also requesting that of PRA, XXXX, XXXX, and XXXX to uphold their obligation under the FCRA to properly and fully investigate the accuracy of this account credit file and to immediately delete account without prejudice.
Product: Checking or savings account

XX/XX/2019, Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX, To : Consumer Financial Protection Bureau : Subject : UMB, Bank not fostering consumer confidence in banking! 

There is an issue of trust and misleading business practices at the below bank. 

UMB XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, KS XXXX On XX/XX/2019, I deposited {$200.00} in cash and received a deposit receipt. I verified that the money was deposited into the bank through mobile banking at XXXX XXXX  Around XXXX XXXX  XX/XX/2019 the money was gone out of the checking account ending in XXXX. 

I needed that money to be there for the intent to pay XXXX XXXX Bill with UMB, Bank mobile banking on XX/XX/2019. 

I had to immediately make a mobile deposit from another bank into UMB, Bank to cover this payment with XXXX XXXX. 

The problems is, if I would have not caught this mistake by UMB, Bank I would have incurred Non Sufficient Funds Check Fees with XXXX  XXXX and UMB, Bank. 

I am concerned that this may be a practice for capital gain. Enclosed are supporting documents. 

I am giving the bank a copy of this letter and they probably will be contacting you soon, but still please look into this matter of concern as I don't want this to happen to anyone else if it's not already have. 

If I can be of help of any kind, I can be reached at XXXX Thank You for protecting the consumers.
Product: Credit reporting or other personal consumer reports

Subject : Comprehensive Request for Revision : Late Payment Entry to be Marked as Current Dear [ Credit Reporting Agencies ], In the ongoing matter concerning the disputed late payment entry on my credit report, I am advocating for an extensive resolution. Specifically, I request that the late payment entry be revised to reflect a current status. 

In accordance with the legal doctrine of estoppel by silence, as exemplified in the case of XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX, I have not been furnished with any evidence substantiating the alleged debt. Consequently, I am compelled to presume that no such proof of debt exists, thereby negating the existence of said debt altogether. 

It is imperative to uphold the utmost accuracy and integrity of consumer reports, as mandated by the Fair Credit Reporting Act ( FCRA ). Therefore, it is essential that my credit report accurately reflects my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I assert with conviction that the current status of the late payment entry is unwarranted and fails to align with the facts. Hence, revising the status to reflect a current, up-to-date depiction is not only equitable but imperative to uphold the principles of fairness and transparency in credit reporting. 

In the event that the pursuit of this resolution encounters obstacles, I reserve the right to pursue alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, without any unjustified or unverified entries. 

I implore your esteemed agencies to undertake a thorough review of this matter and take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX ; XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact , so be it. 

Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it. and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commences, so be it. and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit C that Experian is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). Experian did not remove the following accounts in accordance with the written instructions of the consumer : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999.