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

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
XXXX XXXX XXXX - XXXX {$8000.00} - Account number XXXX - Date opened XX/XX/XXXX US DEPT. OF EDUCATION - Balance {$14000.00} Account number XXXX - Date opened XX/XX/XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unable to log in to my Innvois credit report they said my phone number is ( XXXX ) XXXX is not good and I had login in before with this phone number before I cant dispute or check my credit report at all. The company is telling me I need to do it in writing but its takes too long to get a response from this company and they will mail me back XXXX every time I open up a dispute I never requested for my phone number to be removed at all and there is error that Innvois needs to fix so I can login and check my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's fico score is XXXX which is 40 points lower than XXXX   XXXX and XXXX XXXX. I recently filled out this form and they increased my fico by 2 points. I contacted Experian again and this is part of the response : Our memberships utilize the XXXX XXXX scoring model, which is a score used for many lending decisions. Additionally, credit scores can vary based on the credit reporting agency that supplied the report. The score is based on the report and creditors are not required to report to all credit bureaus. The three major credit reporting agencies in the U.S. are Experian, XXXX, and XXXX. 
There's an important distinction to be aware of, Experian and the other reporting agencies do not calculate credit scores themselves. The reporting agencies solely provide the credit report and then the lender or creditor may use XXXX, XXXX, or even a custom scoring model to calculate your credit score. 
What they are telling me is that the reporting agencies would use one method of reporting to XXXX  and XXXX  and a different method for Experian. If they were 10 points away from the other I could understand what they are saying, that may be possible. This is just Experian not doing what they are suppose to do as a credit reporting agency. A person should not have to do so much to get them to correct their error.
Product: Credit reporting or other personal consumer reports

I obtained a new lease with a kia dealership on XX/XX/2024. After that day there were XXXX credit inquiries submitted without my permission. XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. XXXX. KIA FINANCE AMERICA on XX/XX/2024 and XXXX. HYUNDAI CAPITAL AMERIC on XX/XX/2024. All these inquiries submitted without my consent after XX/XX/XXXX is negatively affecting my credit score.
Product: Debt collection

Please help me ask the companies send me a debt validation letter explain and show me what is the debt about. Its not mine. Its fraud or something I did not do any business with NCB management services or XXXX XXXX  about this debt. I have never done anything with those company.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone DISCOVER, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to DISCOVER to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because DISCOVER has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that DISCOVER refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with DISCOVER and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to DISCOVER indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to DISCOVER to the address listed on my credit reports. Discover responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to DISCOVER offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, DISCOVER refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that DISCOVER is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless DISCOVER can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
Product: Debt collection

Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.
Product: Vehicle loan or lease

PURCHASE VEHICLE CAR SALE MAN DIDNT TELL ME HE WAS RUNNING CREDIT TO DIFFERENT AUTO LOAN FINANCE COMPANY
Product: Debt collection

They started a civil collection case filed by **LVNV Funding LLC** against you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Below is a summary of the key events in this case : XXXX. **Case Filing and Initiation** : - On XXXX XXXX, XXXX, LVNV Funding LLC filed a complaint against you in the Delaware XXXX XXXX XXXX XXXX initiating the civil collection action for an alleged debt. 
- On XXXX XXXX, XXXX, the Plaintiff filed several documents, including a summons and an affidavit of debt, indicating that you owed the debt and that LVNV Funding LLC had the right to collect it. 
- The **Certificate of Service** confirming the documents were served on you was filed by the Plaintiff on XXXX XXXX, XXXX. 

XXXX. **Your Response** : - On XXXX XXXX, XXXX, you filed a **pro XXXX answer** to the Plaintiff 's complaint, indicating that you were representing yourself in the case. 
- You filed a **Motion to Dismiss** the complaint on XXXX XXXX, XXXX, arguing that the case should be dismissed with prejudice. 
- The Court scheduled a hearing on your **Motion to Dismiss** for XXXX XXXX, XXXX, where you appeared in person without counsel. 

XXXX. **Court Hearing Outcome** : - On XXXX XXXX, XXXX, the XXXX heard your motion XXXX However, the XXXX denied your Motion to Dismiss** and set a deadline for **Motions for Summary Judgment*XXXX by XXXX XXXX, XXXX. 
- A **Jury Trial** was scheduled for **May XXXX, XXXX, at XXXX AM**. 

XXXX. **Future Actions** : - Your **Motion to Dismiss Complaint with Prejudice and for Damages** was filed on XXXX XXXX, XXXX, and was considered at the hearing on XX/XX/XXXX. The XXXX did not take further action on this motion but set the trial date as mentioned above. 
- You are expected to file a **Motion for Summary Judgment** by XXXX XXXX, XXXX, and the Plaintiff will have 30 days to respond.
Product: Mortgage

This is a formal complaint against Ditech for ignoring our requests to remove PMI and continuing to charge us PMI. 

On XX/XX/2018, we made a large payment to Ditech to reduce the principal for our mortgage far below the 80 % requirement for PMI. On XX/XX/XXXX, we called Ditech and asked for how we can formally request a cancellation of PMI. During the call, the representative told us to send an email requesting this. We sent them an email on XX/XX/XXXX requesting to cancel PMI. Ditech did not reply to this email. 

On XX/XX/XXXX, Ditech charged us {$150.00} for PMI. This appeared as a line item in our XXXX statement from Ditech. 

On XX/XX/XXXX, we called a second time asking how to cancel PMI, and Ditech told us to send an email. On XX/XX/XXXX, we sent a second email formally requesting to cancel PMI. Ditech never responded to this email either. 

When we received our XXXX statement, we did not see a line item for PMI, so we had believed it was canceled. However, in our XXXX statement, Ditech added TWO line items for PMI, one dated XX/XX/XXXX, and one dated XX/XX/XXXX. 

Per the Homeowner 's Protection Act, Ditech is federally required to allow us to cancel PMI upon request when our loan 's Loan-to-Value falls below 80 %. Ditech has not honored this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Equifax after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Inquiries on my credit report which are misleading to me. I sent a letter to the Equifax credit bureau XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that these INQUIRIES will be removed. 
XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Student loan

Trellis, formerly known as Texas Guaranteed sued me in the wrong jurisdiction, I live in New York and they sued me in the state of Texas. I have never been to Texas. They also added on thousands of dollars in fees to my loan. they also started illegally garnishing my wages and forced me into a settlement over the telephone in exchange for them to no longer garnish my wages. They took over {$300.00} from each paycheck and forced me into poverty. I was forced into paying them {$130.00} a month in exchange for them to no longer garnish my wages. this is adding on to case XXXX here is the proof they sued me in the wrong jurisdiction
Product: Debt collection

This should not be in my credit report. This collection agency reported this to the  XXXX  credit bureaus and they should not be in my credit report and I do not ow e Pioneer Capital Solution anything I want them provide me of contract a sign with t hem.
Product: Mortgage

I bought my property in XXXX XXXX for {$290000.00} and was financed through XXXX XXXX XXXX XXXX. Within 2 months the loan was sold to Chase Home Mortgage.My initial Mortgage was {$1800.00}. This amount quickly doubled within 2 years First it was {$2200.00} and then {$3600.00}, but when it got to {$4200.00}, i contacted a broker who worked with Chase to get my mortgage reduced and my interest rate peg at 5.35 % for the life of the loan.After this I noticed my principal balance started increasing and I contacted Chase about this in XXXX and XXXX. I was told that they ( Chase will look into it. On my last review I noticed that my principal balance has ballooned to {$340000.00}. I called back to Chase in XXXX XXXX and I have been in constant communication with them since. The contact man is XXXX XXXX who told me in XXXX XXXX that an issue was discovered and it was a mistake made by Chase.He said and amount of {$88000.00} will be deducted from my Balance and a check for 20 % of tat amount will be issued to me which will be reported to the IRS as an income to me. On XXXX XXXX, XXXX I received 5 letters from Chase and they want me to have a 6.45 % interest rate as against 5.35 % that I had before and an increase of {$980.00} in mortgage payment to begin XXXX/XXXX/XXXX just 5 days away. Everything was just unfair to me. I did not make a mistake, they did.i had not asked for a refinance so why would my interest rate be adjusted to 6.45 %? The claimed that I had paid {$110000.00} to date so why is my reviewed principal balance now {$220000.00}. They have not issued me a check for the 20 % of the recalculated amount that was misapplied.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Mariner Finance has been calling me at my place of employment every weekday since at least XX/XX/XXXX, trying to collect a debt. I had provided them with a number that they are to contact and today ( XX/XX/XXXX ), XXXX XXXX called and spoke with a fellow coworker asking to have me please call him regarding a personal matter. When I contacted XXXX he acknowledged that I had provided a number in my profile but said that he had been trying to call it and it was disconnected. After I gave it to him again, he asked me to hold and then came back on the line to tell me that it is working.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION SER Account Number XXXX Date Opened XXXX Balance {$640.00} Account Name : ARS ACCOUNT RESOLUTION S Account Number XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX Balance {$1000.00} Account Name : XXXX XXXX  Account Number XXXX Date Opened XXXX Balance {$2900.00} Account Name : XXXX Account Number XXXX Date Opened XXXX Balance {$13000.00} Account Name : XXXX XXXX   Account Number XXXX Date Opened XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2200.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XXXX claims I have a loan with them for which I did not apply. They are claiming that I owe them the first payment of {$350.00} due XX/XX/XXXX. I have never received funds from this company. 

when I called to inquire, they asked for my date of birth and I foolishly gave it to them. They then put me on hold because they had to correct the date in their system so that they could bring up my account. They said they would call me back when they bring up my account from phone number XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 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: Credit reporting, credit repair services, or other personal consumer reports

I paid off my credit card balance of {$440.00} to XXXX XXXX XXXX  on the date of XX/XX/2018. XXXX XXXX mention my credit report will be updated in 30 Days. 30 Days later all three of my credit reports states a balance of {$440.00} from XXXX XXXX. I disputed the balance through Transunion, XXXX, XXXX. XXXX XXXX responded to XXXX, XXXX, Transunion saying balance of {$440.00} is correct no change was made on Credit Reports. I HAVE DISPUTED ISSUE 4 TIMES with Credit Bureaus. I am receiving correct balance of {$440.00} on credit reports. I disputed with all three credit bureaus. I am looking to sue XXXX XXXX this issue have kept me from receiving home loan and other offers.