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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. I have received hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seriously been working on my credit score for the past 2 years with an exceptional payment record with no late payments or delinquencies getting my score up to XXXX with Expierien, At this point I felt ready to investigate my options for obtaining a mortgage to view properties. I opened an account with XXXX in XX/XX/XXXX and have been on autopay as all my accounts are and to my surprise i was notified by XXXX that i had a potentially negative report on my score, when i investigated it was XXXX XXXX XXXX saying i was 30 days delinquent, I called XXXX and they told me my account was at XXXX balance and i have {$1500.00} available credit! 
I reported to all 3 agencies my dispute and mailed also to them and XXXX. I did have a compromised bank card back in XX/XX/2020 and cancelled it out with the bank who put in place my new card and mailed me the physical card. All my other creditors and autopay payments went thru fine apart from XXXX who did not notify me at anytime that this occurred, so my XXXX is now at XXXX
Product: Checking or savings account

A ) First Technology Federal Credit Union does not issue monthly statements with all transactions included. I told XXXX about this on XX/XX/22 and it has yet to be resolved. They will not respond to my phone calls or e-mails XX/XX/22. 

B ) XXXX issues indecipherable credit card statements. Their local branch can't explain them, their telephone help can't explain them, and their credit card office can't explain them. 

C ) XXXX has a bill pay system which doesn't pick valid payment dates when permitted to self-select them. XXXX know of this and claim that it is an unrepairable issue in their system ; unrepairable?!? 

D ) Members of XXXX are not allowed to have XXXX management contact information ; I wrote ( email ) to the President and CEO of XXXX on XX/XX/22 advising him of issue " A ) '' above and he has yet to respond or even acknowledge my message. When I called to get other XXXX personnel contact information, I was told that I am not permitted to have that data and that they must pass all messages to lower management to be passed to upper management ( maybe ). I can supply copies of many emails on topic " A ) '' and limited copies of topics " B ) '' and " C ) '' for more detailed data and to show their responses to me.
Product: Credit reporting

I disputed with Experian a collections account that was placed on my report by a company called XXXX XXXX XXXX ( opened as of XXXX XXXX ). I have never heard of this company nor had any business or contact with this company other than this entry showing on my Experian credit report. I only found out about this entry due to an alert from my credit monitoring site showing that this negative item was placed on my Experian credit bureau. 
I do not believe that Experian conducted an adequate and fair investigation. 
The only response I get from Experian is " Outcome : Remains ''. Why is there no reasonable response, documentation or explanation of what process or evidence was used to determine this is in fact is a legitimate debt and that it belongs to me? If feel like it was just an automatic take the collections company side situation. Was there an investigation completed? I also sent a request for validation to the company XXXX XXXX XXXX and I did not get a response. 
I believe that these are unfair practices and in no way supports consumers in their right to dispute information on their credit reports and in their effort to determine if said items are actually valid debts so they can be taken care of. I would like this investigated and seen to it that the credit reporting agency is operating in a legal fashion. And, further I would like this removed from my credit reports as it is causing me a great hardship on my otherwise good credit standing. As a result of this my livelihood is being impacted as well as my ability to fairly obtain reasonable loans and credit products.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my XXXX  has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the XXXX/XXXX  caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   XXXX   XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

For over six months now and after multiple disputes with XXXX XXXX XXXX XXXX, they have failed to thoroughly investigate an error in my credit file. They have failed to comply with the fair credit act by investigating an error in a timely manner. I have requested for them to submit to me their method of verification for a debt by the following company XXXX   XXXX Account number XXXX amount {$11000.00} This has been an ongoing unresolved issue. Experian has failed to comply with the FCA with verifying the accuracy of negative information placed into my credit file. I have not received any documents from the Creditor or Experian in reference to validation of alleged debt, This has caused a great negative impact into my credit file.however, without documents as requested, Experian continues to report this derogatory debt. All that I ask is that this matter be more thoroughly investigated and supply me with copies of valid documents that bind me as a consumer to this debt by CONTRACT.. My request is for this to be completed within the time table allowed and governed by the FCRA. I would like all documents provided to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that in the month of XX/XX/XXXX, that I had a late payment which is inaccurate. Also on my credit report under that same closed auto loan it states that the account has never been late. I also had issues with leasing another vehicle with XXXX. I attempted to renew my lease in XX/XX/XXXX due to being over my miles, and was told I would be able to do so without any issues. I continued to get the run around about when my new vehicle would be ready and constantly called them. I was never contacted back and due to unsatisfactory service, was forced to turn my leased vehicle in early. I am now working on the remaining balance but have never had a late payment while the account was opened through XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX Bankruptcy / XXXX/ {XXXX}
Product: Debt collection

They call me up to 7 times a day. Starting around XXXX XXXX  up until XXXX XXXX. They leave me a recorded message on the first call then just keep calling. I am at work I am not able to answer the phone they dont even give me a chance to return the message. Today they called me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. Some days I get back to back calls makes me not wan na talk to them at all. I pay what I can pay still get these calls.
Product: Debt collection

Today, XX/XX/XXXX my wife recieved a call from a person saying they worked for Mariner Finance. I spoke with the agent and asked who they were because recently I have noticed late payments reported to this company that I do not know. The agent told me he was calling for XXXX ( not my name ) and it was for a private loan. I asked when this loan originated what it was for and how would I have applied. The agent said the loan originated XX/XX/XXXX for approx {$1500.00} and they had only recieved 1 payment in XX/XX/XXXX. I let the agent know I would be willing to pay and had questions about the loan still. I told the agent I didn't know what this loan was and this is the first time I had heard from them aside from noticing a delinquency on my credit report and asked again what the loan was from. The agent told me they have called me sent emails sent mail and then said my address. I let the agent know I had recieved no calls, the address was correct but I had no mail I had no emails and the phone number he was calling was my wife 's number. The agent said I should ask my wife about the loan and I said I was asking him as the " lender ''. I asked what email and phone number the agent had to potentially correct contact information. The agent began talking over my questions and said I had been informed. I told the agent I didn't appreciate the aggressive tone he was giving me or to ask my wife about the loan. I submit this complaint now because this company has no more information that a stranger can find about me online with incorrect information, no prior contact, no explanation of what the loan is other than to ask my wife and I can not understand why I would be contacted on my wife 's phone XX/XX/XXXX about a personal loan about to go into collections opened in XX/XX/XXXX. I ask seeking guidance for a course of action to have this error removed from my credit, to say I do not know this company or know of this loan and ask how to proceed.
Product: Checking or savings account

On XX/XX/XXXX, I placed an order from XXXX ( order no. XXXX ) in the amount of {$150.00}. When purchased the item was on backlist and on delayed delivery according to the website at that time due to XXXX. Despite several email inquiries with gym tech, the item has not been shipped or refunded. On or about XX/XX/XXXX, the company responded to my email stating that I should receive the item in the next weeks. I have not received the item and Chase/XXXX  has declined my claim dispute because of it being over 90 days. A look at their XXXX site would demonstrate that their are others in my position who order items last year and still have not received the item. Chase refuses to assist with my refund despite this companys history of accepting payment for non delivered merchandise.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " XXXX XXXX XXXX '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the XXXX XXXX XXXX account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I requested for XXXX and XXXX to review my file never got an answer from both this was last XXXX called and said investigating but never got notification nothing suddenly my file got locked out and will not give me acess to it anymore send docs as the supervisor requested to both and nada I am XXXX XXXX and need assitance
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX thats someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. I also filed a FTC Report. Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Wanted to lower my payments ... they said I had to default on the lones if I want to lower my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  BANKRUPTCY XXXX XXXX  ACCT # 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.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the credit report it shows that we still have a mortgage with Nation Star/ Mr. Cooper XXXX 
This mortgage was transfer to XXXX in 2017. We do not owe money on this to Nation Star. It needs to be removed or reported as paid in full.
Product: Credit reporting or other personal consumer reports

Theres hard inquiries on my credit report for XXXX, TransUnion and XXXX. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear, I agree to pay the following financial obligation regarding account DEPT OF EDXXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this XXXX XXXX sent certified mail return receipt requested you deliver to me the following : - Provide validation of the debt, that is, production of account and the general ledger statement. 
-Verification of your claim against XXXX XXXX XXXX XXXX that is, a signed invoice. 
-A copy of the Contract binding both DEPT OF EDXXXX AND XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' -A statement admitting whether you are the holder in due course or whether you are the holder in due course or whether you are a servicer. 
-A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
-The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
-The XXXX number under which my loan was securitized to. 
-Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and if you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C-ARTICLE 3-301 . Under US Code TITLE 15 > CHAPTER 41
>SUBCHAPTER V>1692g part b ). this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 

Thank You, XXXXXXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved