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

A while ago, I discovered multiple fraudulent accounts on my credit reportso many that I have no idea where they came from or who has been using my identity. Determined to get to the bottom of this and have these fraudulent accounts removed, I followed the proper steps. I sent a formal request to the credit bureau demanding validation in the form of original contracts, as I have every right to do.

Two months ago, I submitted a detailed letter along with an official FTC Identity Theft Reportexactly as the bureau requested. Yet, despite complying with their process, I have received nothing in return. No original contracts. No method of verification. No information on who they supposedly contacted at these companies. And worst of allthe fraudulent accounts are still on my report.

This is completely unacceptable. I demand full compliance with the Fair Credit Reporting Act ( FCRA ). Provide me with the original contracts, the specific method of verification used, and the names of the representatives contacted at these companies. If the bureau can not produce this information, these fraudulent accounts must be removed immediately. I expect a prompt resolution to this matter, as my financial standing and creditworthiness should not suffer due to negligence or inaction.
Product: Credit reporting or other personal consumer reports

Was insured through XXXX, govt into an accident where the other driver started slowing down then decided to run a red light while I was making a left hand turn. The other driver hit me and there was no damage to my vehicle only theirs.
Product: Credit reporting or other personal consumer reports

Compliance procedures 15 U.S.C. 1681 section ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian has failed to follow the law regarding verifying and reporting accuracy. I am a victim of an identity thief, and Experian keeps verifying accounts disputed that I am not liable for. I requested proof of the validation from Experian but received no response. I yielded all necessary documentation to support the dispute. I am asking them to remove all erroneous accounts from my credit report. 15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions ; therefore, my rights were violated. I DEMAND ALL ERRONEOUS ACCOUNTS BE REMOVED IMMEDIATELY. The following are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I know that Experian Consumer Services is facing Injunction and an {$650000.00} Civil Penalty. I hope that with this lawsuit the company starts to truly protect consumer now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX *** ** XXXX ( social security )
Product: Vehicle loan or lease

XX/XX/2023 I applied for a consumer auto loan with usaa savings bank. I was denied because of a credit score with is not valid reason to deny my right to credit. I used my social security card name and birthdate on the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted from my credit monitoring that my score changed with Equifax, XXXX and XXXX. I looked to see what exactly was the change and when I looked they had dropped my score by XXXX points because I paid down my credit cards, lowering my utilization. From my understanding i didn't know that if you paid down your credit cards that your score would decrease. I feel that is a violation of my consumer rights and is intentionally hurting my ability to apply for credit by decreasing my score. I have been paying my accounts on time with great payment status, no derogatoriness and trying to get my utilization down and yet my score has not gone over XXXX. I am asking that a full investigation be done for I feel that this is a discriminatory act on the credit bureau because of my ethnicity,
Product: Vehicle loan or lease

The steady harassment the call after call from different numbers and also before 60 days they send you over to the repossession company who threatens you consistently. I have been called and not was spoken to politely I was spoken to rudely to give up the car. I spoke to a representative who was overlooking the account who advised the way they have my payment setup I will never catch up I will be paying ever two weeks for this car. Mechanics Bank customer service is just horrible when you have a loan with them
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


Update the late payments from my consumer reports
Product: Mortgage

BSI Financial Services foreclosed and sold our house at auction, while we were in a lawsuit against the builder because of a mold problem in the home. BSI sold the house and now the new owners are selling the house and neither of them are disclosing that the house has mold issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a validation letter to LVNV c/o Resurgent Capital Services as they sent a debt collection notice via email dated XX/XX/year> and several phone calls with messages for Account Number XXXX in the amount of {$820.00} and Account XXXX in the amount of {$790.00}. I have no transactional history with this company and owe them nothing. I asked them to supply me with a copy of any contract or agreement signed with their company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g, I request their license to be able to collect a debt in my state. Next, I'd like to request the chain of custody for the alleged debt, a contract with my wet ink signature, statute of limitations for the debt, and the purchase agreement. These are all items they must provide in order to legally validate the debt. As usual, they did not provide that and only sent me a copy of a bill. 

LVNV c/o Resurgent Capital Services are in violation of my consumer rights and law according 18 USC 894 - Collection of extensions of credit by extortionate means. The law states ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 

Violation of 15 USC 1681a - Fair Credit Reporting Act As per 15 USC 1681a, the FCRA mandates that all information provided to credit reporting agencies be accurate and verified. I have reason to believe that Resurgent Capital Services has violated this law by reporting an inaccurate or unauthorized collection account on my credit report. I request that you provide the necessary documentation to prove the legitimacy of this debt, including the original contract and any other relevant evidence showing my obligation to the debt in question. If you are unable to provide such evidence, I request that you immediately remove this collection account from my credit report.
Product: Credit card or prepaid card

In XXXX someone charged about 8 charges to XXXX on my Chase Amazon card. 
I don't have an XXXX account ( and it's never appeared before ) so I called to report fraud. 

Initially it was taken off my bill. Then they sent me a letter saying they determined that it wasn't fraud because it was charged to my home address. I DO NOT HAVE AN XXXX ACCOUNT. So, I called back and they put it back in appeal. Again they determined it wasn't fraud. 

There is no way these are my charges. Chase now isn't returning my calls. So I am resorting to reporting it to you. Please help. 

Sincerely, XXXX XXXX
Product: Debt collection

Payment was due XX/XX/XXXX, they call an average of 6-8 times per day and have sent a total of 9 emails stating they will damage my credit, lien on my property and remove solar panels. Their email state they have been trying to contact me for months when my payment isnt even 15 days past due. The amount of calls and emails through out the day is nonstop and again my bill isnt even 15 days past due. 
My payment was scheduled for XX/XX/XXXX and they still calling and sending emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 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 an account without my written instructions.
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 an 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency numerous times regarding my consumer report and accounts on it that were not authorized by me. There are numerous violations of federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, TransUnion or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Checking or savings account

I received an escrow disbursement check from my mortgage company ( XXXX XXXX XXXX ) for a little over XXXX and deposited it into my J.P Morgan Chase checking account on XX/XX/year>. I was told that they needed to speak to the mortgage company to verify the check before the funds could be released. I provided them with every phone number XXXX XXXX XXXX  has available as well as the phone numbers to XXXX XXXX, which is the servicer/lender for the company. Both XXXX XXXX XXXX and XXXX XXXX are on the check. Every phone number provided Chase claimed was not a " verified '' phone number and they refused any other form of proof from either company. Chase spoke with someone from XXXX XXXX in a three way call and I was told the check had been verified and it would be another 4-5 days before my check was deposited. I called a few days later only to have them tell me that they were not going to be able to deposit the check because speaking to the company that way was not a " verified '' or legitimate way of verifying the check. I told them I was just going to cancel the check and have the company send me another so I could deposit it somewhere else. As soon as I told them that they deposited my check and are holding it in a suspended account. They are saying they can hold the funds for up to two years. I was told by my mortgage company that I should contact an attorney which I am in the process of and to file this complaint. This is not right. We were counting on this check. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute involves a missed payment reported by US Bank to the credit bureaus for a credit card, Account # XXXX XXXX XXXX XXXX. This credit card account was stolen in the XXXX XXXX  XXXX and used to make significant unauthorized purchases overseas. US Bank never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted US Bank. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of US Bank that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that US Bank reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to US Bank after filing complaints with the credit bureaus and no changes were made. US Bank then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed several inaccurate accounts that is being reported by XXXX credit bureau, I never received a response and it has been over 30 days I request that these accounts and inquiries be removed at once PER THE FAIR CREDIT REPORTING ACT. Furthermore this credit bureau is allowing companies that are not licensed nor registered to collect debts in the state that they are reporting to I am enclosing document for your review. Furthermore pursuant to section us code 1681 e ( b ) Accuracy or report. whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates must be 100 % accurate across all three agencies. these accounts must be deleted immediately this account is being reported inaccurate which is a big violation. 

FTC IDENTITY THIEF REPORT NO : XXXX COLLECTION ACCOUNT, XXXX XXXX XXXX, ACCOUNT NO. XXXX FTC IDENTITY THIEF REPORT NO : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXXXXXX FTC XXXX THIEF REPORT XXXX : XXXX, COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  XXXX : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that 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 instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company has added fraudulent information to my credit report that has had a major negative impact to my credit. Ive made several attempts to get proof to verify what this is supposedly for. Ive never received any type of contact notifying me of what this debt was supposedly for. 

Im demanding proof this debt is mine and an itemized listing of what this was supposedly for.

Legal action will be taken if this demand under the FRCA is not satisfied within thirty days. Additional certified demands will be sent to the attention of XXXX XXXX at XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C.

1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.