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

Experian has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with Experian and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws Experian has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise Experian to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. Experian should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report.

Once their reinvestigation is complete, I would like for Experian to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.
Product: Credit reporting or other personal consumer reports

am writing to dispute two hard inquiries that remain on my credit report beyond the Fair Credit Reporting Acts ( FCRA ) allowed timeframe of 24 months. 

Specifically : OneMain inquiry dated XX/XX/XXXX USAA Federal SB inquiry dated XX/XX/XXXX As of XX/XX/XXXX, both inquiries have reached the two-year limit and should have been automatically removed. However, they are still listed and show a scheduled removal date of XX/XX/XXXX, which is inaccurate under FCRA guidelines. 

I did not take any action to renew or reactivate these inquiries, and I have not received any notice or justification from the credit bureau ( s ) regarding the delay in removal. I submitted a written request for deletion, citing the FCRA retention limit, but have not received confirmation or correction as of the time of this complaint. 

I am requesting that the credit reporting agencies immediately remove these inquiries and confirm compliance with the 24-month rule under FCRA Section 604.
Product: Checking or savings account

I have been fighting with Chime bank about my {$14000.00} and that was my rent money and someone stole my debit card and used it and stores and places and I couldnt even use my account at all and thy aint trying to get my money back for me and I started fraud claims at location that card was used and money was sent back but I cant get none of money and they aint trying to help me
Product: Debt collection

On or about XX/XX/XXXX, I sent this email to Spring Oaks Capital LLC : Dear Spring Oaks Capital LLC I hereby dispute the validity of the alleged debt listed below Entirely : Spring Oaks Capital LLC Account : XXXX Amount : {$1900.00} I also request verification of the alleged debt, specifically, a copy of the Original Purchase Agreement, must be with the original creditor and signed by ALL PARTIES involved. I'm requesting this because I have had different companies reach out to me about this same allege debt. I'm requesting immediate deletion of all prior reporting made to any consumer reporting agencies, including XXXX, XXXX, XXXX, and XXXX. You must CEASE COLLECTION efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Today, by email, I received a response from Spring Oaks Capital LLC. It was not the Original Purchase Agreement showing my signature, the original creditor, and their signature giving permission to collect this debt. Instead, they sent me the documents between the original creditor and myself stating that I'm the account holder. But, still not showing I also gave permission to this company to collect. Per USC 1681, since they did not provide me the Original Purchase Agreement as requested, I want this account removed from credit report immediately.
Product: Credit card or prepaid card

I purchased coins from XXXX XXXX in an online auction. When the coins came in, they were counterfeit. The terms and conditions state : All items are sold as is where is without warranty or guarantee. It is the bidders ' responsibility to verify the integrity, condition, and Authenticity of all goods before bidding. We do not test or verify any items sold in the auction. 
However, the seller user terms state : You represent and warrant that any Listed Item ( s ) placed by you : are owned by you, or you have the legal right and authority to sell such Listed Item ( s ) on behalf of the legal owner ; are free and clear of any and all registered and unregistered liens, security interests, tax or duty obligations or other encumbrances or contrary claims whatsoever, except as expressly disclosed by you within the applicable listing ( the " Encumbrances '' ) ; are in good operating condition, free of material defects, except as disclosed by you within the applicable listing ; have not been modified or tampered with in any manner that would be contrary to applicable legislation or misleading to a Bidder, including, but not limited to, tampering with emission control devices ; have not been fraudulently obtained, and are not stolen or counterfeit ; They are required to represent and warrant items are not counterfeit. This information is located in the auction information with XXXX XXXX  logo and name on the document. Since they are required to represent and warrant the items are not counterfeit, they are not permitted to change that in the terms and conditions. The coins were purchased on XX/XX/2020 in the amount of XXXX XXXX Dollars. Barclay has so far agreed with the seller saying the terms and conditions override the fact they are required to represent and warrant items are not counterfeit. XXXX XXXX agreed to represent and warrant all items are not counterfeit and since they don't set the auction requirements, they can not make changes to the requirements in the terms and conditions.. I have communicated with XXXX XXXX and Barclay Credit Card about this issue and have requested a refund, but up to this time have been denied by both companies.
Product: Debt collection

My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX  sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
Product: Credit reporting or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have no connection to the creditors mentioned, and these inquiries were not made by me.
Product: Debt collection

The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.
Product: Mortgage

I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

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

I have made several attempts to view my Equifax report. I keep getting denied and no explanation why. I requested a copy for my yearly free credit report, and again today based on some recent credit denials. I was denied a second time today with no explanation or clear way explained to request them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX charges my credit card {$120.00} per year. I do not receive alerts or services for this fee. When I contact Equifax, they are not able to pull up my account in order to cancel it or refund the charges.
Product: Credit reporting or other personal consumer reports

Subject : URGENT Dispute & Request for Fraudulent Account Removal To Whom It May Concern, I am writing to formally dispute an account on my credit report that was fraudulently opened in my name. The account in question is : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/year> I previously disputed this fraudulent account with [ XXXX/Equifax/XXXX  ] XXXX and it was removed from my credit report. However, it was reinserted without proper notification, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I have taken the following steps to resolve this issue : XXXX. Filed an FTC Identity Theft Report ( attached ). 
XXXX. Filed a police report regarding identity theft ( if applicable, attach ). 
XXXX. Filed a CFPB complaint, as this fraudulent account continues to appear on my report. 

Additionally, the fraudulent account was linked to an address previously associated with other fraudulent accounts that have since been removed from my report. This further confirms that this account should not be considered valid. 

I am requesting the following actions : XXXX. Immediate and permanent removal of the fraudulent XXXX XXXX account. 
XXXX. A detailed explanation of why the account was reinserted, as required under the FCRA. 
XXXX. A written confirmation that this account has been deleted and will not be reinserted. 

If this matter is not resolved promptly, I am prepared to escalate my complaint and pursue legal action to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of XXXX Debt by Experian Dear Sir/Madam, I am writing to file a formal complaint against Experian, a major credit reporting agency, for failing to properly investigate and correct an inaccurate entry on my credit report related to a XXXX account XXXX I have previously disputed this matter with Experian, but they have not provided adequate validation or evidence to substantiate the reported debt. 

In my recent dispute, I raised concerns that XXXX had not provided sufficient proof to validate the debt they are reporting. Despite this, Experian closed the dispute as verified without obtaining the necessary documentation from XXXX to validate the debt, in violation of the Fair Credit Reporting Act ( FCRA ). 

The dispute involves an inaccurate account reported by XXXX, where I requested documentation proving the validity of the debt. XXXX failed to provide any proof to substantiate the claim, and Experian nonetheless marked the account as verified and has continued to falsely report this debt on my credit file. This action contradicts the provisions of the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) which requires that a credit reporting agency conduct a reasonable investigation of any disputed information. 
15 U.S.C. 1681i ( a ) ( 4 ) which mandates that if the disputed information is found to be inaccurate or unverifiable, the credit reporting agency must promptly remove or correct the information.

15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain accurate information and correct any errors.

Experian 's failure to remove or correct this erroneous information is causing harm to my credit score and financial well-being. I request that the CFPB investigate this issue and take appropriate action to ensure that Experian adheres to the FCRAs requirements.

Enclosed, I have attached the relevant documentation, including my previous dispute with Experian and any communications from XXXX, to substantiate my claim. I kindly ask that you assist me in resolving this matter by ensuring Experian investigates this dispute properly and removes the inaccurate entry from my credit report. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring my rights under the FCRA are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous conversations with  XXXX  regarding my account #  XXXX   XXXX   XXXX   XXXX  - Which was an old  XXXX  account that was converted into  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are XXXX XXXX, U.S. Auto Sales, XXXX XXXX XXXX XXXX
Product: Debt collection

I informed them that the debt wasnt mine and to provide evidence they didnt and now its showing on my credit report and thats a violation I order it to be deleted off my credit report unless yall have the original documents showing that its really me. All three credit agencies I am excising my rights under the Fcra section 609 to request information regarding the source of the information which is the original contract thats contains my signature and my identification which is date of birth and ssn from the debt collector Franklin collections of the information cant be provided please delete this off my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

on X/X/2017 I submitted an online dispute for a Chapter XXXX Bankrupcty Docket XXXX that does not belong to me. On X/X/2017 I received an email that was addressed to a person by the name of XXXX but included my Transunion file # XXXX stating that my dispute had been completed. I called Transunion and spoke with supervisor XXXX XXXX and advised her that someone else 's name appeared on my letter and that my information seemed to be comprised. She stated that the name XXXX that was sent on my letter to my email was incorrect and that the letter did actually belong to me. She advised me that the Bankrupcty that I had disputed had been verified. I asked her for the method of verification and the source of information since there was no way possible that a dispute of this nature could have been thoroughly investigated in 2 days. She advised me that Transunion sends a 3rd party to the Federal Courts to verify information. I asked her for the name of the 3rd party company and also the rep that was sent to verify the information. She said she does not have this information but that the 3rd party received verification directly from the IL Federal Court in XXXX IL. I called the Federal Courts ( XXXX ) and I spoke to XXXX. I asked her if anyone from the credit bureau or one of their 3rd party representatives had come in or called to verify a bankruptcy and she stated that the Federal Courts DOES NOT supply or verify information to the credit bureaus or any of their 3rd party affiliates. She said the credit bureau did not receive any such verification. Transunion has not thoroughly investigated my dispute and has lied about the method and source of verification. Pursuant to the FCRA this item must be deleted from the credit report as a thorough investigation has not been completed.