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

I have already disputed this, and I recently sent a cfpb complaint and Experian wrongfully responded saying they do not have those inquiries on file. I am now demanding this be removed as it is the 3rd time I have brought this up to Experian. 

Experian is wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by EXPERIAN. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request. Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA. Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs. 623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information. 623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. The inquiries that need to be deleted are : XXXX XXXX XXXX You applied for a credit card on XXXX 2022 XXXX XXXX XXXX You applied for credit on XXXX 2022 Experian Business Cred You applied for credit on XXXX 2022 XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2022 Please remove these immediately, or I will take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX : {$210.00}
Product: Vehicle loan or lease

I XXXX XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/14. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. Because I know the finance charge is the sum of ALL charges I was not expecting a bill. On XX/XX/2014, Santander Consumer USA sent me a bill which is a violation of 15 usc 1692b.
Product: Mortgage

I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XX/XX/year> of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I entered a contract with the previous company known as XXXX XXXX XXXX. There was predatory actions noted throughout this transaction. 

XXXX ) The car was only worth XXXX but marked up to XXXX with the finance charge and other fees marked it up to more than XXXX XXXX ) XXXX was partially my means of income. The agent said that my XXXX  income wasnt important and it would be best to not include that in the application. After filling out the bulk of paperwork and after being there for XXXX hours, I was told that the car could not be used for XXXX  and that the paymenta were due every XXXX weeks along with the vehicle have a passtime device that woukd switch the car off if the payment was late. Being that I couldnt use the car for XXXX, I couldnt keep current on my payments which caused the car to be shut off multiple times.
Product: Debt collection

XX/XX/2018 - Received a letter from XXXX XXXX XXXX   which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. 

XX/XX/2018 - Received the same letter as validation for the medical accounts. 

XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. 

XX/XX/2018 - Sent another letter to XXXX XXXX XXXX   stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.
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 {$9400.00}, {$50000.00}, {$50000.00}, {$19000.00}, {$27000.00}, {$260000.00}, {$260000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$12000.00}.

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 and 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 with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

-AUTO ACCOUNTS- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account.

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account. 

-REAL ESTATE LOANS- 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260000.00} -This is not my account. 

-STUDENT ACCOUNTS- 8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account.

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Product: Mortgage

A storm ripped through Maryland, downing a tree on our house. Several holes were put in our roof and many of the tiles were damaged. We had to have the entire roof replaced. Because of the cost of repairs, XXXX issued a check with both our name and our mortgage company 's name. We had to give them the check along with a notarized form signed by both our contractor and us. The check was for {$6800.00}. 

We submitted all of the paperwork to Embrace Home Loans 3 weeks  ago. The work has been completed and we still can't get our mortgage company to release the money. 

The issue, they say, is because we didn't all sign the form on the same day. 

Here 's what happened. 

We signed and the notary notarized it. 
The next day, the contractor left his work-site to sign it. and the ( exact  same ) notary notarized it. 

Finally, the notary notarized it at the end, showing that everything had been overseen and notarized by the same notary. 

Embrace says they can't accept it because it was notarized on different days by the two parties. We explained that our contractor is very busy and both my wife and I have full time jobs. In order for all of us to make it there on the same day, we would have to take even more time off work ( than we already did ) which will cost all of us more money. 

Bottom line is, the work has been completed. Everything is done. But, Embrace Home Loans is holding the money hostage. My lawyer friends say there is nothing about the notarized document that should allow them to keep the money. Worse yet, they have already cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting erroneous items on my credit report. The items do not belong to me. I have requested for XXXX XXXX to provide required documentation under Section 609 FCRA of the alleged debt, authorization to pull my credit, the times and dates thereof and all contracts or agreements purportedly entered into by me. I have now sent 3 notices to XXXX XXXX under Section 609 FCRA demanding that they comply with Section 609 FCRA. As of the submission of this complaint over 90 days have elapsed since my first notice and request under Section 609 FCRA and XXXX XXXX refuses to comply with Section 609 FCRA. XXXX XXXX DOES continue to verify the information as accurate without complying with Section 609 FCRA. 

All of the above constitute egregious violations of The Fair Credit Reporting Act, specifically Section 609 FCRA. XXXX XXXX is mandated to delete the items based upon their failure to comply with Section 609 FCRA. I am attaching to this complaint a notice wherein the FTC sued XXXX for these very same violations. The lawsuit clearly shows the requirements of a creditor under Section 609 FCRA. XXXX XXXX is currently in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX by XXXX and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XX/XX/XXXX and received discharge notice as well as letter from XXXX showing debt discharged and I'm not responsible. XXXX as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.
Product: Credit card

I seen that there is a collection account on my report and didn't understand why so I called the company and let them know that this was not me and assk them if they can remove it and they asked me why I told them that I had to be a person of identity theft and i provided them a copy of my police report and they still have not remove it at all i called them back and told them that they are violating 15 U.S code 1692c and they still have not yet removed it at all
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX emails to Wells Fargo unclaimed property department requesting information on releasing our condo funds totaling over {$10000.00}. I had three way conversation with bank and our attorney XX/XX/XXXX requesting affidavit release form. All previous inquiries from the bank were answered by a robo message. On statement said account was closed on XX/XX/XXXX.
Product: Debt collection

Back in late XXXX I called Mountain Run Solutions to take care of this collection for XXXX dollars. After giving them all my personal information, they still could not locate the account. At this point it seemed pretty clear that this collection was on my credit report by mistake. I then called XXXX to dispute this account because if Mountain Run can not locate the account, it should not be on my credit report. I then checked my credit report in XXXX and the account now says, This item remained unchanged from our processing of your dispute in XX/XX/2021. HOW?! It is illegal for this account to remain on my credit report if Mountain Run can not even locate it. This account needs to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX  in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint because previously I sent a Identity theft packet to the company TRANSUNION which they receieved on the XXXX of XX/XX/2023. 
This packet contained all of my identifiable information to verify my identity and all other documentation needed for this consumer reporting agency to properly submit a block of reporting for fraudulent information reporting to my consumer credit file. This packet also included the following ; Scan of my ID, Scan of my Social security card, my handwritten letter documenting the events, a copy of a XXXX notary form, a copy of the credit report with the fraudulent information highlighted and a copy of the FTC identity theft report. This is everything required by the Fair Credit Reporting act 15 USC 1681c-2 ( a ) to submit a block of reporting and deletion of this fraudulent information. After calling today and speaking to the supervisor XXXX XXXX in the Specialized Fraud Escalation Department I was notified that the FTC report was not attached to the Fraud dispute so it was not being processed properly. XXXX stated that I could upload the documents via online at transunion.com/disputes to submit it quicker however, after having the online support team assist me with logging in I was still unable to " attach '' anything to the current dispute like the supervisor XXXX XXXX had told me. I am quite frustrated and tired of going back and forth with different members of this consumer reporting agencies " teams '' and " departments '' to get them to do what the law is stating they are required to do at this point. 
I have decided to submit the information via this online complaint to ENSURE that these matters are taken seriously, that the information gets to the proper department and most importantly as a record of my last attempt to handle these matters directly with TRANSUNION. I am attaching the previous documentation that was sent and all of the information needed for TRANSUNION to follow 15 USC 1681c-2 ( a ) and remove this fraudulent account that is NOT MINE, that I did NOT consent to and that is reporting as a RESULT OF IDENTITY THEFT and which should be blocked from reporting and deleted from my consumer credit report immediately upon receipt of this complaint within XXXX business days, which is by the date of XX/XX/2023.
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. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On X/X/2017, in the course of debt collection activities related to my account, XXXX XXXX XXXX XXXX XXXX ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified XXXX XXXX XXXX as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC ACCT : XXXX Amount : {$530.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

IM HAVING ISSUES WITH MY CREDIT REPORTS AND I HAVE CALLED XXXX XXXX OVER THE PAST COUPLE OF MONTHS REGARDING THE ACCOUNTS THEY ARE REPORTING ON MY CREDIT REPORT AND WAS TOLD RECENTLY THEY ARE STILL WORKING ON IT AND ITS BEEN OVER THE 90 DAY PERIOD I WAS ORIGINALLY TOLD. ALSO WAS TOLD THAT THE TECHNICAL SUPPORT DEPARTMENT WASXXXX XXXXXXXX WAS SUPPOSE TO CLEAR MY RECORD IN THERE SYSTEMS AND STILL I GET THIS MESSAGE WHEN I DO PRE APPROVALS WITH THEM. I ATTACHED THAT WITH THIS COMPLAINT ALONG WITH MY CREDIT REPORT. XXXX  ALSO SAID THEY WOULD GET BACK WITH ME ON THE FRAUDLENT INQUIRES AND NEVER DID WHICH IS OVER A XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted police report of identity thief and my government ID to XXXX 's fraud department and spoke with XXXX rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company Monterey Collection in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at XXXX who hang up in my face as I was tell them by law they are to remove the fraudulent collection MONTEREY COLLECTION XXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.