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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian, a consumer credit reporting agency, for failing to respond adequately to my repeated requests for the verification of several items on my credit report. Despite sending XXXX written requests to Experian, I have not received the required documentation or a satisfactory response regarding the verification of the disputed items. 

According to the Fair Credit Reporting Act ( FCRA ), Experian is obligated to provide original creditor documentation to verify that the information on my credit report is accurate and belongs to me. However, Experian has failed to comply with the requirements under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) by not providing any original documentation with my signature. Furthermore, Experian has not provided the method of verification as required under Section 611 ( a ) ( 7 ). 

I have outlined the disputed accounts in my previous correspondence with Experian : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX  XXXX ) : Account number : XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX XXXX | XX/XX/year> : Inquiry XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : Account number : XXXX Experian 's failure to provide the required documentation or to delete the unverifiable information from my credit report is a clear violation of the FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to promptly delete all information that can not be verified. I have also informed Experian of my intention to pursue litigation if my rights under the FCRA are not upheld. 

Given the lack of response from Experian, I am seeking assistance from the CFPB to resolve this matter. I request that the CFPB intervene to ensure that Experian complies with federal law and either verifies the disputed items with the appropriate documentation or deletes the unverifiable information from my credit report. 

Please find attached copies of my correspondence with Experian for your reference. 

Thank you for your assistance in this matter. I look forward to your prompt response. 

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

My student loan provider original conclusion to my previous complaints was determined without my supporting documents. After submitting my credit report the loan provider concluded their previous determination as the first. 

I was sent an email that my account was closed along with a blank attachment. 

They never explained why several accounts list unavailable data, repetitive debts amount, missing dates, Increased/decreased debts amount that are irregular. 
XXXX has incorrect credit report and my financial history
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 by certified mail # XXXX I requested TransUnion to conduct a INVESTIGATION on a bankruptcy filed on my credit report. They put in the data furniture as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which is FALSE. I have attached a letter from the XXXX Bankruptcy XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureau or any credit monitoring service, nor they validate any information concerning bankruptcies. On TransUnion response, they stated that this information is validate and correct, which is false. 
TransUnion had violated my rights under the Fair Credit Reporting Act, 603, 605. 
They are reporting inaccurate information, and fail to legally verify this information, and provide documentation. 
As a supporting document, I also attached my XXXX report showing NO BANKRUPTCY on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 
I demand the following Inquiries be deleted immediately. 
ALL LATE PAYMENTS REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX 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: Checking or savings account

Direct deposit was supposed to go in yesterday. Still havent gotten it. XXXX
Product: Mortgage

I have contacted Rate beat llc, a mortgage company to do my re-fi after i heard about them in radio XXXX. I started speaking with the President, XXXX XXXX and provided some basic docs. day XXXX we agreed upon, no closing cost and LPMI. by reviewing my case he found a rate of 4.125 % with XXXX lender. I signed consents and provided details information. both my and my wifes credit score was pulled. I got conditional approval after 2 weeks and ready to close. After that I got another consent from a different lender. When I inquired, XXXX advised that the rates are better and they would do a rate of 3.75 % and submitted my details with another lender. I had to agree and went ahead with the consents signature and all other docs, like XXXX, XXXX, tax return, ssn, bank stmt etc. I got conditional approval from 2nd lender also. I was also charged for some transactions and when asked i was told it will be returned during closing. After 2 weeks when I started following up they are saying i am not eligible for the loan program they put me under. This is really not correct and unacceptable. They would have found the program eligibility from dayXXXX itself and not after conditional closure. I believe they are not reliable and trustworthy. Before anyone becomes the victim like me, it would be better the govt. know about this and take proper action. Also, please advise how can I challenge their process and the way they handled my loan. If there is a legal way to handle this? I am concerned about all my and my spouse personal and financial details including ssn is with them which can be compromised. Please help!
Product: Mortgage

We had a home fire XXXX 2013. We settled with XXXX XXXX insurance ) for $ XXXX to rebuild our home. XXXX sent the insurance funds payable to us & AmeriFirst Home Mortgage - as we have a mortgage. AmeriFirst would hold the funds in escrow & pay out the funds in intervals as the home is rebuilt. At several points AmeriFirst would work with our builder to defraud us or coerce us to make payments we disagreed with. In the end, AmeriFirst helped our builder ( who quit before the house was done ) steal a great deal of money from us. AmeriFirst refused to give us the funds they were holding to repay invoices we 'd paid to rebuild the home. Then we received the final insurance disbursement, which AmeriFirst demanded they get the check ASAP - that was almost 2 months ago. Since that time they have made excuses, delayed & stalled reimbursing us for invoices we incurred. They absolutely refuse to repay us a single penny. They 've stated that they 'd release the funds once an appraisal was done to show the value of the home was over $ XXXXk XXXX our original mortgage ). They 've stalled & changed an appraisal to a BPO, FHA inspection, inspection & back to an appraisal. We ordered our own & showed that our home was $ XXXX, which is obviously more than $ XXXXk. Two weeks pass, we hire an attorney & AmeriFirst has objected to our motion to compel the release of funds since we met their requirement of $ XXXX in value. Now they 're objecting to the appraisal stating that they believe the value of the new construction XXXX sq ft home is well under $ XXXXk XXXX after spending $ XXXX ). This is simply another stall tactic to hold our funds. AmeriFirst believes the funds are theirs & that they should keep the funds in order to mitigate their loss of value on our home, which is crazy! This is the end of the story - but there 's so much more they 've done wrong - such as releasing $ XXXX to the builder after we clearly told them we no longer wanted any more funds to go thru the builder. They forced us to sign over the 2nd disbursement rather than pay bills thru AmeriFirst. Then after the builder quit & they were notified they 'd quit - AmeriFirst still worked with the builder to steal funds from us. AmeriFirst released inspection reports after the builder quit. AmeriFirst released information about how much additional money they were holding to assure the builder they could steal our funds & bills would still get paid. AmeriFirst has worked against us every step of the way & in very illegal & unethical ways - much like them continuing to hold funds for months when they clearly know from prior inspections & a current appraisal as well as FMV of new construction that their objection is frivolous & a delay tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX-XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Remove Unauthorized Inquiries Inquiry Removal Letter Date : XX/XX/XXXX Name : XXXX XXXX Address Line : XXXX XXXX XXXX, XXXX XXXX  Ca, XXXX Credit Bureau : TransUnion Address Line : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX remove unauthorized inquiries Dear TransUnion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX Social security number : XXXX
Product: Debt collection

XX/XX/2023 my certified letter responding to the debt within the 30 days time frame went unanswered. In this letter I requested proof of debt, itemized breakdown, any attempts previously made to collect the debt. I also requested that all correspondence be done by mail or email. 

XX/XX/2023 I called and asked if my letter was received. They said it had not been although it was signed for. I verbally requested items outlined above. 

XX/XX/XXXX a second call was made in which I was transferred to management and they attempted to get me to talk about the letter. I stated again all correspondence will be done by mail and asked for the items outlined above. 

XX/XX/XXXX I called again to request the items outlined above. I do not have high hopes I will receive anything.
Product: Debt collection

XXXX XXXX XXXX has been contacting myself and my employer attempting to collect a debt for Midland Credit. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working 1year and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called XXXX again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by XXXX XXXX XXXX  The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from XXXX XXXX, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.
Product: Money transfers

USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay them.
Product: Debt collection

THE COMPANY, CMRE FINANCIAL SERVICES , INC, PURCHASED A DEBT FROM DELETE FROM MY REPORT, BECUSE THIS IS FRAUDULENT AND MISLEADING INFORMATION THAT IS ATTACKING MY CHARACTER AS A NATURAL PERSON AND CONSUMERS. COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX XXXX and that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your XXXX XXXX services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a XXXX XXXX and any demand for payment of such is an attempt to extort and administer property without right.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX ( XXXX ) dont recognize or Did not authorize XX/XX/XXXX XXXX ( XXXX ) dont recognize or did not authorize XX/XX/XXXX XXXX ( XXXX ) dont recognize or did not authorize XX/XX/XXXX XXXX  ( XXXX ) dont recognize or did not authorize XX/XX/XXXX XXXX XXXX ( Equifax XXXX dont recognize or did not authorize XXXX XXXXXXXX XXXX XXXX ( Equifax XXXX dont recognize or did not authorize XX/XX/XXXX XXXX XXXX XXXX  ( Equifax ) dont recognize or did not authorize