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

This is a formal complaint that Experian is being noncompliant and they are doing in deceptive practice. Sometime around the end of XXXX, I found the following component on Experian. this is a formal complaint tht XXXX is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX XXXX XXXX account XXXX XXXXXXXX latepayment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. Dept of education account # XXXXlate Payment. Dept of education account XXXX XXXXXXXX/late payment. Dept of education account # XXXXlate payment. Dept of education account XXXX XXXXXXXXlate payment. To which the companys response was as followed Per your request to conduct a reinvestigation, we contacted the data furnisher vendors for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed items may have also been updated by the data furnishers. The results summary was sent to you for review on XX/XX/2023. ( plz refer to complaint number ( XXXX XXXX ), however I did not receive any response to any dispute I have file, and this inaccurate ans illegal information still remains on my credit report to which is a violation under the FCRA. I believe this response was a attempt to stall.
Product: Debt collection

I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You
Product: Consumer Loan

We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the fraudulent alleged inquiries attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts and inquiries on my report. 

All inquiries names listed below in EXHIBIT B are fraudulent. These inquiries were pull without my knowledge, nor my permission. According to section 605B of the Fair Credit Reporting Act, those fraudulent inquiries names listed in EXHIBIT B are due to identity theft and shall be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

For months now I have been trying to get XXXX to remove and acknowledge their derogatory comments on my credit file. XXXX wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. XXXX continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing XXXX fails to explain their reporting.
Product: Debt collection

On XX/XX/20, I moved from XXXX XXXX. I was never late with any payment to them. However in XXXX, I received a letter from a collections agency telling me that I owed {$61.00} to XXXX XXXX for missing equipment. ( XXXX has an exclusive agreement with XXXX to supply internet/cable to their tenants XXXX. I did leave the equipment as instructed by the apartment. I called the XXXX, XXXX told me that, per a signed agreement, I was supposed to return the equipment to the office. I never signed that agreement. I left a message for the manager XXXX to call me. She never did. I called XXXX, they said I owed them nothing. They never placed me in collections. A few days later, I received an email from Experian telling me I was in Collections by XXXX XXXX for {$210.00}. I dont know what I am charged for nor did I ever received a bill. I paid it because of similar horror stories from ex tenants who were wrongly persecuted for years by XXXX. These stories are all documented on their reviews. Along with the reviews, there was a newspaper article relating the same experience. Please do something to stop these illegal practices by this company. This is extra income for them. Please help. BTW, throughout my five years there, I was constantly unhappy with their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been disputing collection/chargeoff from XXXX XXXX XXXX who are stating the dispute is resolved and customer disagrees with the findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Nordstrom Card Services to place my XX/XX/2021 payment in deferred status due to COVID-19. They agreed, and my next payment was subsequently due in XXXX. Unfortunately my account is showing as 30 days late. I have never had a missed payment with Nordstrom, and was under the impression that COVID-19 related deferred payments should be marked as such and not late.

Nordstrom is refusing to alter the account.
Product: Debt collection

XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
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The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
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3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
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I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
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Respectfully, XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.
Product: Credit reporting or other personal consumer reports

Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXXXXXX Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX.
Product: Vehicle loan or lease

I was interested in a car so I filled out an online request for more information. I was contacted not too long after and was told to apply for financing online for the vehicle on Saturday the XXXX. They told me they would be closed on Sunday so to call Monday. They ran my credit for a car that was already sold.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XXXX/XXXX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I wanted to rollover my XXXX money from my previous employer with XXXX XXXX  as my XXXX account holder, into Optum bank, to my new XXXX account. I printed out their form from the internet and sent it to XXXX XXXX to transfer the money. XXXX XXXX sent a check to Optum bank to rollover the money. Optum bank said that they did not receive the check. I contacted XXXX XXXX, and they sent me a copy of the check that was cashed by Optum Bank, with the dates and routing numbers on the check. I contacted Optum bank several times to try and resolve this issue, but all they keep saying is that the money did not go into my account, so there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX. Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 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 instruction.
Product: Checking or savings account

I reported 2 unauthorized transactions to chase made on XX/XX/2020 and XX/XX/2020 for {$210.00} and {$410.00} respectively. At XXXX and XXXX. I did not make the purchases that I reported and the bank has since reversed the credit and charged my account again. When I called asking how they came to that decision they simply said because the merchants had not approved the charge back and I was told to contact merchant directly and resolve the issue with them. I did contact both merchants directly and after several phone calls and a few hours of confusion and misdirection and misinformation I came to the conclusion that the bank is the one that needed to deal with it. I called my bank again looking for support and didnt receive any. On the contrary they made it seem like I was the bad guy in this and refused to do anything further and gave no advice as to how to proceed and would not send me more information on the purchases and have been very rude and hard to get help from. My bank in question is Chase bank and the purchases were made with my debit card allegedly although its unclear if whoever made the purchases used a pin or not or if the card was actually used or Information manuall entered. They havent been willing to disclose my own information which I find odd. I need help recovering my money, times are tough and I have a family with a XXXXyear old little girl. This is the first time Ive ever had to reach out this far to settle a problem. And I feel like Ive done my part and my bank has let me down on their end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022 experian placed a collection account of {$1200.00} by XXXX. XXXX. I reached out to experian voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with XXXX. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.