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

Letters of dispute were sent XX/XX/2021 to Experian regarding XXXX XXXX  account/charge off. and XXXX XXXX reporting current open account. 
I am demanding they comply and release their findings to me of or remove items immediately from my credit fiile
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items 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 Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/ XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX. I did not authorize XXXX  to pull my credit nor was there a formal application
Product: Credit reporting or other personal consumer reports

EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/XXXX. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX failed to provide any of the requested information. 

I filed a previous CFPB complaint against XXXX XXXX XXXX XX/XX/XXXX. XXXX, again, failed to provide any of the requested and required information validating the account. CONNS response to the CFPB complaint was a declaration of XXXX  XXXX Bankruptcy and no attempt to substantiate its claim. However, neither EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have ceased reporting the unsubstantiated claim, as required by law. 

This is an account that was previously removed from reporting to my personal credit profile. Public records demonstrate that the opening of this account occurred during a timeframe the account information could not possibly be accurate. ( SEE ATTACHMENT 1 ) Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws , much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.
Product: Mortgage

I participated in the government sponsored Covid Forbearance program due to lack of work and struggle to pay mortgage. The lender offered solutions to pay back the monies owed once the Covid program was over - Modification, Deferment & paying back arrears. Now that the program is over they are demanding payment of everything owed and will not allow me a modification nor a deferment. They are sending me confusing letters and will not work with me to achieve a reasonable solution to keep my home. I have owned my home since XXXX and have always been able to work with my previous lenders if there were any issues making payments. My mortgage was sold to my current lender almost a year ago and since that time I've received misinformation, lack of communication and refusal to assist with my issues as a borrower. I also filed a complaint with the XXXX XXXX XXXX when they reported my account to the credit bureau claiming I didn't make payment when in fact I was in the Forbearance program and their terms stipulated it would not be reported.
Product: Credit reporting

I had the following hard inquires deleted from my transunion credit report and now they have been reinstated on my report, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, I am requesting that they be permanent removed.
Product: Debt collection

This collection company was a group of men that I feel threating behind their calls. XXXX XXXX who represented himself as a manager for the company Qualia Collection agency laughed at me. Used a very threatening tone with me and told me that my mom was going to be charged in the state of Texas unless the debt was paid. I am in tears and shaking after speaking with them and I am in fear that these men even have my information. I ca n't believe that this is acceptable to collect a debt and never have I ended up in tears and felt badgered for someone simply trying to collect a debt.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Correspondence is from Credit Collection Services re : XXXX XXXX. The amount due appears to be XXXX but this is not entirely clear. The correspondence includes a STATUS UPDATE that essentially claims that my account is unpaid and seriously past due. It also states that I should call their office and that otherwise they will call me. There is no indication regarding the name of the creditor or the services provided that I am expected to pay for.
Product: Money transfer, virtual currency, or money service

I filed a cfpb complaint for an unauthorized cashapp account created for me without my consent and authorization. My claim was closed on XX/XX/XXXX after the representative confirmed that any account with my information would be closed permanently. 

Last week, I received another cashapp card with a different account number sent to my old address. 

Please have cashapp permanently close all accounts associated with me and remove my information. If there is a balance, please send me a check.
Product: Debt collection

I sent a dispute letter with proof identity theft for the from chase for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. 
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in violation!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I was recently granted permanent discharge status for all of my federal student loans. My loan balances have been reduced from a total of over XXXX dollars to zero on XX/XX/year>. My credit report however says otherwise. I'm trying to get approved for a home loan and am stuck in a stand still until these loans are off of my credit. I've contacted the banks with to no avail.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

UNITED REVENUE CORPORATION IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH XXXX. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax numerous times and also try to dispute online. My information and account information is incorrect. accounts have been removed, which are still open. Account balances have decreased, when they have not. closed accounts open with balances. and numerous more issues. This has drastically dropped my credit score. 
When I call for assistance I am told that I am not giving them the correct information that is on my account, which is not the correct information and there is nothing they can do to assist. I have asked to speak with a supervisor and I am told that there is no one else I can speak with. the caller was in XXXX XXXX, which I thought was odd. I am trying to get a loan for a new home and this is affecting my credit score and can not get anyone to help me from Equifax.
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to EXPERIAN was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Debt collection

Diversified Consultants Inc. contacted me via phone about a debt owed to XXXX XXXX XXXX. After repeatedly requesting them to verify the debt as the account in contention was opened in error on the behalf of XXXX XXXX XXXX, they refused. I submitted an online dispute for both companies and received the below response from XXXX XXXX XXXX. DCI simply responded back stating the debt was valid even though the original debtor states that it was not. This error on both of their parts has resulted in a 80+ point reduction in my credit score and I am unable to resolve with the DCI through normal means. 

I called in back in XXXX of XXXX to add a line for my son and get him a new XXXX. At the time I was offered a promotional deal where we could buy one XXXX XXXX XXXX and get one for free ( on the same call ). The agent processed the order after I repeatedly inquired whether or not I was eligible for this promotion or not. Within a few days I received the phones and called again since the number on the box was not my own. I was told that that was a mix up and that I could simply use my existing SIM card and should be good-to-go. 
After a month or so, I received a letter stating that I needed to pay my XXXX XXXX XXXX bill for a phone number that I was unfamiliar with. I disregarded until I received a second bill stating that I owed for the entirety of the balance for the phones. I called Customer care again and explained the situation and was informed that the issue was resolved. I even received a letter stating the account had been closed. 
After another couple of months I began getting calls from a company called Diversified Consultants Inc. claiming they were working on your companys behalf to collect a debt. I again, called Customer care and was told the account was cancelled and that it would update on their end in the near future. 
The week of XX/XX/XXXX I received numerous phone calls from DCI and after repeated attempts to get them to re-verify the debt, a derogatory remark was placed on my credit causing a 80+ point drop. I attempted to call DCI to no avail and have yet to be able to get in touch with anyone to rectify the situation Below is the email from the Office of the President at XXXX XXXX XXXX stating they have corrected the error. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX <XXXX> wrote : Subject : XXXX XXXX XXXX Case XXXX To : XXXX Hi Mr. XXXX, I have removed the account from being written off with an OCA and also adjusted the balance owed on the account. I am still working to rebuild the installment plan on your line.Thanks again for your time and have wonderful week. 

Thank you, XXXX XXXX Office of the President XXXX XXXX XXXX XXXX , XXXX. 
o XXXX ext. | XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX {$500.00}XXXX XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}
Product: Consumer Loan

I spoke with XXXX XXXX who called on XXXX/XXXX/15 stating that Mariner Finance did not receive a payment and asking if we would like to make a payment over the phone. I then replied no, we had just received the payment booklet earlier this week and the check was mailed out yesterday. XXXX then responded that we were in default and if we did not pay today by phone ( which she later changed to Monday XXXX/XXXX/15 ) we would lose our 0 % 1 year interest rate and be charged the default rate of 24 %. However, our contract signed states that we would be in default if not paid by 15 days after the due date ( being XXXX/XXXX/15 ). I then explained that we were fully aware of our consumer rights and would pursue legal action if needed. XXXX stated " That 's perfectly fine with me. ''
Product: Mortgage

Back in XX/XX/2023 I made a payment to Freedom Mortage, on time as always. They had changed my escrow and my payment was on time but not the change in escrow. I did not find out about this until XXXX, after they reported my being late- I'm NEVER late. 
They took the late fee off, because it was not late but they reported me to the credit bur. and will not take it off, This is hurting my credit in a big way. XXXX months ago I sent them a letter requesting to take over my escrow so this does not happen again. I just got the unsigned generic letter saying no because I had a 30 late payment -- -- -your kinding right!!! I have tried to talk to them about this but they say their policy is not flexible, even thow it was them that made me late by not posting. 
This same situation just happened to me again this month of XXXX they changed my escrow and did not post my payment, Luckly for me I caught it before the 30 days. This is even more reason I want control of my own escrow, they keep screwing it up and changing it. 
Now I am waiting for a call from the next up in line to tell me its their policy. 
Dont I have a right to control my own excrow? 
And my payment was not late in XXXX, they made it late, even took off the late fee but wont change credit reporting. This is WRONG XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian on XX/XX/XXXX about accounts that are reporting incorrectly on my credit report. They failed to respond within in 30 days of my letter or update my accounts correctly.