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

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

This is infuriating, my new credit applications are getting turned down due to the inaccurate reporting being done on my credit. I am rebuilding my life and score and have met all my financial responsibilities, but just because of these errors it is stopping me in getting approved for loans which furtherly impacts my life negatively in all aspects and in achieving financial freedom.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding a collection accountS labeled AMSHER COLL ( Original Creditor : XXXX XXXX XXXX  ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Product: Credit reporting or other personal consumer reports

i sent a dispute on XXXX to all 3 cras concerning the re-investigation process, also informing them about XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  about information has to be maximum accuracy. 
neither of the 3 hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.
Product: Payday loan

None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.
Product: Credit reporting

I ordered a copy of my Clarity report. I do not know who this company is but I 'm denied for loans etc due to their reporting. I ordered my file from Clarity and i have noticed many items that are being reported incorrectly on my file. 

I 'm being reported as having XXXX accounts ( XXXX & XXXX ) I do not know who these companies are and have never had accounts with them. I have never signed any agreements with these companies dated in XX/XX/XXXX and XX/XX/XXXX. Its XXXX other accounts reported that have no names next to them. How can a company report an account with no name? These accounts are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have paying monthly fee to Experian Credit Bureau to check my credit report and communicate false information to Experian. On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. I have also not any notification from Experian on this. I ran Experian credit report on XX/XX/2018 and came to know this fraud alert placed using my identity and also without my notice. I think, someone used my identity fraudulently and placed this alert. Experian must provide the complete details of this fraud alert so that I can contact Law Enforcement on this. Also, this fraud must be removed from credit report removed immediately. Also, I have closed all my credit records and only one credit card open, which has very minimal balance. I do not have any other Auto or any mortgage loans. I have only one credit card with my  identification and social. Experian holds the complete legal accountability and responsibility for placing this kind of fraud alerts without consumer 's notice and request. Could you kindly direct Experian to provide me the details of this fraud alert placed on XX/XX/2018 and also who placed this fraud alert on my credit report. Could you kindly direct Experian to remove this fraud alert immediately from credit report without further delays. I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Its considered as identification theft if someone uses my identity or Experian entertains anyone uses my identify.
Product: Credit reporting or other personal consumer reports

My identity was compromised and used to obtain credit without my permission. Kindly to investigate and delete this fraudulent collection off my credit report. 
This account is attached with a fraudulent address not belonging to me. My signature is also not present nor any legal document, kindly investigate this. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

The matter with Shellpoint Mortgage Servicing still isn't resolved. I received an email from XXXX XXXX on XX/XX/XXXX. She stated that I was recently approved for loss mitigation & my new payment would be {$1500.00} on a trial basis. I've never physically filled out an application for loss mitigation. I replied back to her on XX/XX/XXXX & stated to her I can not pay that amount because my SSDI check is only {$1600.00}, so it wouldn't leave me enough to pay other bills. I also told her there's more than enough equity in my home to just leave the payment as it was ( {$1200.00} ) and leave my rate at XXXX. I sent her XXXX screenshots of homes near me & XXXX had recently sold for {$290000.00} & it doesn't even have a full basement like my home has. Later that same day she emailed back & it said reviewing the information. On XX/XX/XXXX, I emailed her asking if there was any update on my acct & I also had a screenshot of what my house would sell for at that time, which was {$240000.00}. She emailed that night & asked me for a date & time so we could talk. I told her Monday XX/XX/XXXX at XXXX is good. As I was coming home from the store that same day, a man was waiting in front of my house & when I got out of my vehicle he approached me & started asking questions about my home. He said it was up for auction on XX/XX/XXXX & I was shocked because I haven't received any documents stating that. He also asked me if I wanted to sell & I told him no. I had to cancel that Monday because I had forgotten I had labwork to do & asked her to please call me Tuesday XX/XX/XXXX. I haven't heard from her since. I don't understand why this is so hard to do. Months ago when I emailed Shellpoint, I was emailing another loss mitigation specialist & she said right off the bat to pay arrearages or liquidate. I just want to start making my payments. My ex signed over his pension to me & that amount is {$310.00} a month & if I need help, he said he'd do his best. He has his own apartment to pay for too. Can we get this matter fixed? I just can not pay {$1500.00} per month, I wouldn't be able to survive that. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Around XX/XX/2017, my XXXX account was behind. It is through Comenity bank. I contacted Comenity bank for my XXXX account, about making payment arrangements. XXXX XXXX XXXX, a Comenity bank representative for my XXXX account, arranged and set up a series of payments to come out of my account bi-weekly, which Comenity would later say never happened. Then there were continuous late fees throughout the process. 

Then all of a sudden, my accounts through Comenity were closed, even those in good standing, when I asked for a reduction in total amounts owed on this XXXX account ... .and reporting on my credit report was changed to paid and in good standing. Then they were no longer listed on my credit report. 

Six months later, the reporting starts up again, and begins reporting delinquency again. The balances are overinflated and totally unfamiliar to me. 

How can I trust the accuracy of this banks billing process, when they could not even honor the agreement that I made with them ; first by denying that the agreement was ever established ( even though they were clearly withdrawing the arranged funds from my account biweekly ), then the continuous late and non payment fees that made the payments that I was making counterproductive to the process of working towards anything other than it being a means for me saying that I would like to do something? It was like I was being consumed by sharks and no matter how hard I tried, they were going in for the kill. 

They are reporting figures that I dont have the means to pay monthly, without starving myself and my family to death and succumbing to a life of homelessness. All I asked for very early on, was a reasonable settlement of this account. But of course, they will say that they have no record of that. I can not pay all these years of late fees and penalties. Theyve already written the account off as a loss and have been paid by their insurance for it. Now they want to collect even more money, on the same account that theyve already recouped their losses for, at the expense of holding a credit score and/or lawsuit over my head? Really? 

I no longer know whats what, as far as what I truly owe them. I would never recommend Comenity bank to anyone, because I DO NOT trust their practices. And they have no compassion for you as a human being, when crises arise in your life. Im not going to just give them whatever they say, for clothes that were already donated to charity, so very long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( XXXX - XXXX -- - XXXX ) is reporting several old accounts on my credit report which should have never been placed on there. For one I never got a notice and they just put the erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. 

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
Product: Mortgage

Since the pandemic, I am a XXXX veteran, I have communicated the struggles of making. I have tried several times to communicate with Carrington Mortgage with completing a Mortgage Assistance Application a few times. There have been several incidents, miscommunications, inaccurate information that has been given to me. Recently, I received an email showing my Mortgage Assistance is with the underwriting team, however, my mortgage shows it is in Default. When I try to ask about my mortgage, I told the letters for foreclosure were a mistake that was sent out but nothing is correct on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2019 I contacted Transfast to transfer {$85.00} from the US to a bank account in XXXX XXXX to pay for maintenance work done on a property my family owns in that country ( Transaction Number : XXXX ). I spoke to a Transfast service representative about some difficulties I had with the website as a part of using their service. Neither the website or the person I spoke with gave me any indication of issues with transferring money to XXXX XXXX. Late in the day on XX/XX/XXXX I heard from the recipient of the money that the bank in XXXX XXXX would not release the money into the recipients account until they had received a laundry list of items including : A photo ID, A letter with an original signature that explained my relationship to the recipient and why I am sending that person money, and a legal document indicating the origin of the money such as a tax return. 
These would be difficult to accomplish if I was in XXXX XXXX, from the US it is pretty much impossible to do, especially in a timely manner. The morning of XX/XX/XXXX I received and email from Transfast letting me know that my transaction was complete. I immediately called the service number and explained the situation to a representative and asked if there was any way that they could reverse the transaction. He politely explained that they are not responsible for the rules that apply in the receiving country. and there was nothing that Transfast could do. Legally I am sure that is correct. However, morally and ethically I believe that Transfast, as a company that specializes in moving money had a responsibility to be aware that XXXX XXXX has special restrictions on the transfer of funds that would likely result in the funds not being available and to give customers a warning of those special restrictions before they proceed with a transaction. The result of this is that I have spent {$90.00} ( {$85.00} transferred + {$4.00} fees ) that I can not get back and the recipient can not access ; essentially the money is gone. Transfast has their service fee and they are done. To add insult to injury, the Transfast email alerting me that my transaction was complete included a link to a customer satisfaction survey. After I spoke to the customer service representative I clicked on the link and it took me to a page that said the survey had been closed. Although technically the money transfer is not complete because the funds have not been deposited into the recipients account and are now stuck in limbo I fully expect that this will be an expensive lesson learned. I can only hope that by sharing my story here that others will not make the same mistake.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am totally dumbfound of this. I have no idea what is going on over there at the CFPB. I have submitted this complaint & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. This is so bothering on my part! The following accounts listed below were opened due to identity theft. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was previously owned by National Credit Systems Inc and I paid them. They gave me a debt settled in full letter showing I do not owe anything for this debt anymore and now XXXX XXXX XXXX is reporting collection on my account for a debt I already paid. I disputed with XXXX and they said they verified the debt and won't remove it. They are trying to collect on a debt already settled.
Product: Credit reporting or other personal consumer reports

This company have violated my Federally protected rights on more than one occasion. 

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose. 

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on XXXX and XXXX. Transunion did remove items but if they do not continue to remove items I will be filing on all XXXX. This will be my second lawsuit on XXXX after one successful settlement.
Product: Debt collection

See attatched Equifax Dispute Regarding XXXX   requesting XXXX  VERIFY THE ACCURACY OF INFORMATION DISPUTED. see attatched United States Postal Inspector Service CRIMINAL INVESTIGATIONS SERVICE CENTER USPS DELIVERIES NOT DELIVERED. ZIP XXXX FROM XX/XX/XXXX THRU XX/XX/XXXX DATED XX/XX/XXXX. 
XXXX  Refuses to Provide Original Written *Signature ( Delivery Accepted Picked Up at Post Office ) or * ( Delivered Into My Hands ) per my agreement with merchants. XXXX BY LAW MUST VERIFY WITH WRITTEN DOCUMENTATION XXXX COLLECTS ON ID THEFT. XXXX DOES NOT REPORT ACCURATE CREDIT INFORMATION.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$6500.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX  date opened XX/XX/XXXXXXXX  bal. {$6400.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXXXXXX  bal. {$1000.00}, XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXXXX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXXXXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.