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

Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
**Credit cards** XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXXXXXX, XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Money transfer, virtual currency, or money service

My account will not link up to the XXXX XXXX of my daughters XXXX card. This never happen before
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. The Federal Trade Commission ( FTC ) makes it crystal clear that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. XXXX XXXX. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit card or prepaid card

The syncb car credit card is not mine I have no ever used this card nor did I sign up for it
Product: Credit reporting

trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to provide a copy of a signed contract or any instrument bearing my signature.  Chase  only provided photo copies of statements. As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX   Chase should be aware that a printout of a bill or itemized document does not constitute validation. After   Chase investigated this account I was send violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 )   and/or the Fair Debt Collection Practices Act Sec  tion 807 ( 8 ) by not placing the disclosure within the required 30 day period.
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.     ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in sectio n 603 ( p )
Product: Mortgage

On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i have submitted disputes to Experian via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there motehod of MOV was and who reported the information a few days later i have recieved a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15days!
Product: Debt collection

On XX/XX/2017 i paid the original creditor XXXX {$160.00}. On XX/XX/2017 American Medical Collection reported to all XXXX bureau as {$0.00} balance but showed that my high balance was {$160.00} which drop my credit score.
Product: Credit card or prepaid card

I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.
Product: Prepaid card

I went to XXXX XXXX on XX/XX/2024, about 20 miles from my house, and bought 3 InComm prepaid cards for {$1500.00} total ( {$500.00} + XXXX fee XXXX ). The cards do not work. I tried to call InComm Customer Support and I spoke with XXXX. XXXX told me a bunch of rubbish about how the cards were " not fully verified '' or some words to that effect, even though I bought the cards and have 3 receipts showing that all 3 are activated. XXXX also used the words " there is no verified merchant. '' I called Customer Support to try to get a replacement card with no hassle at no charge. Instead I was given the runaround and told I have to go back to the merchant, which I will not do unless InComm compensates me for my lost time and fuel to go 20 miles each way. 

Since the cards do not work I just want a refund for {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through and I am writing to remove the following fraudulent items in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with any items listed below showing on my credit report. I, therefore, request that you immediately removal of these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$6300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00} ; DP OF EDUC XXXX Balance Owed : {$5100.00}
Product: Checking or savings account

I was sent again a copy of my transactions for the reason for denial. I have not received any absolute proof except a copy of my transactions again. Also, I was sent a denial again this time saying they have proof from an atm withdrawal picture taken from an atm showing it was me. I was not sent the picture though just a copy of my transactions again. I would like them to send a picture of me at the atm. I sent them my photo id to compare the picture and atm videos but i do not believe that was done. also they say they have proof of me giving authorization to someone I know and I have not given any one authorization to use my card and no proof was given just a copy of my transactions again.have 4 claims that I have sent Bank of America 3 times with a copy of my id and my plane tickets showing me out of state, boa is denying claim even though they deemed same transactions as fraud previously. After asking for documents that they relied on to make denial of claims I was sent a copy of my transactions twice, not showing me anything i don't see already. Below is the letter i wrote them..To Whom it may concern : I would like for my claims to be reevaluated using my XXXX passport that XXXX have already sent to you.. I have also attached my plane tickets to Texas during this period. I was in Texas for 2 months and these transactions were not from long ago so you should be able to check cameras at any of these locations to see that it was not me making them. When I made my claim that was paid out on XX/XX/year> I was told I was going to get a card in the mail which I never received. I also never received a determination on that claim but it was paid out to me on XX/XX/year>. I never was able to use those funds because I did not have a card nor any other information from you that my claim was paid out. I realized this when I logged into the boa online website then I called and filed the claims immediately that are listed above. I never received the XXXX cards that are for the claims above and my phone number on file was incorrect. My phone number is XXXX. I have since received my card that was sent to me when I filed ending in XXXX. Also, I requested the evidence that you based your determination on which was a copy of my transactions that you sent me. This does not tell me anything on what you based your determination on. I can see my transactions online. All it shows me is a bunch of transactions I did not make. May you please send your evidence to me so I know what else I can send you to reverse your determination of not paying my claim. I would also like this as a sworn affidavit that these transactions were not made by me and no one else was authorized to use my card. I also want to add that these transactions that I am saying are not mine, the same transactions were considered fraud before by your team and were previously refunded to my account but now you are denying these same transactions as not fraud and denying my claim. Thank you for your reconsideration in advance.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, 2024, 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. These accounts 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, are not complete and accurate. 

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more than XXXX years old and is not accurate XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is more then XXXX yrs old and is not accurate XXXX XXXX XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX  ( Original Creditor : XXXX XXXX ) XXXX open date is not reporting correctly, account number, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about them.
Product: Credit reporting or other personal consumer reports

My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX XXXX 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home
Product: Checking or savings account

My identity was stolen and was used to open two separate bank accounts with Bank of America one personal and one business the one business is under XXXX XXXX XXXX XXXX which is not mine which I've never heard of, the other one was under my personal name but spelled wrong, it was resolved, the XXXX XXXX XXXX XXXX is not resolved they have Black flag me and I can't even cash a check nonetheless anything else I have spoken with them several times sent in their paperwork twice on top of that I've had a mortgage with Bank of America since 2008 and never missed a payment and they have black flagged me across the board it needs to stop and they have cost me money they have cost me time and they have drug my name through the mud
Product: Mortgage

Despite several attempts, my request for the QualifiedWrittenRequest with SLS has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX on the current mortgage on my property has been ignored. 
As of this date, SLS has been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
Product: Debt collection

I purchased and XXXX  on XX/XX/2023 but the device was never received. I called and informed them of this and they cancelled the order and refunded me the fees I paid. 

Now 7 months later they have reported false derogatory information to the credit bureaus stating that I am behind on a payment of {$100.00}. 

This is absurd when I do have regular phone and internet service with XXXX but all bills are paid on time and auto set up. So how could I be owing for a device I never owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian credit bureau regarding a bankruptcy showing on my credit report. They stated that the bankruptcy court reported this to them and I also submitted a second letter with the letter from the bankruptcy court and Pacer and both letters stated that they do not report to credit bureaus nor do they report to determine credit worthiness. The letter from both stated that I should contact the CFPB. 
Experian sent me a letter and stated that a consumer reporting agency verified the bankruptcy. They would not give me the name of the consumer reporting agency or the person/company that the consumer reporting agency received their information. 
I have tried to dispute this with Experian via telephone and in writing and they keep giving me the same answers. 
I am asking you to intervene so that this can be removed from my credit report. It is hurting my credit. 
Thank you so much for your help in this matter ... it is really appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$690.00} XXXX  XXXX {$860.00} XXXX {$22000.00} XXXX XXXX XXXX {$0.00}
Product: Student loan

My current lender, Great Lakes, told me that the loans I 've had for almost 20 years ca n't be considered for REPAYE status. I kept getting bounced back and forth between Great Lakes and StudentLoan.gov without getting anything resolved. Great Lakes says I can sign up for REPAYE but the clock will be XXXX and only by XX/XX/XXXX will I qualify for REPAYE! Really?? I 've been paying on these loans since XX/XX/XXXX!
Product: Debt collection

The company breach our contract and did not oversee or maintain proper documents of insurance in XXXX months failing there legal responsibilities, and obligations as the lien holder. Making false complaints with the credit beau company. 

Breach of contract on the lien holder so the title holder will and shall be free of any future payments, future obligations, or collections and shall be removed from the title holder credit report as the contract is not enforceable by the lien holder. 

Global Lending Service has taking upon themselves to make quick decision in there favor breaching the contract between the lien holder against the title holder obligations of any future responsibilities of payments, the contract is null at this time. No financial responsibilities are to be removed.