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

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened:1XXXX Balance : {$160000.00}. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Debt collection

Filed an erroneous collection tradeline # XXXX to my credit report for original creditor XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX and have never had any association with the service address in XXXX XXXX, FL, for which the collection was filed.
Product: Mortgage

The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX RE : Consumer Number : XXXX RE : Case Number : XXXX For months now, Ive tried getting a copy of my consumer report from LexisNexis to no avail. LexisNexis keep sending a letter stating the documents Ive mailed were not legible, which is absurd! All of my documents were legible! 

Im asking CFPB to help me gain access to my consumer report from LexisNexis. Attach are all of my CLEAR documents to prove my identity and residents. 



Please mail me a copy of my LexisNexis consumer report to the abovementioned address on this letter. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and associated lenders on this disputed student loan balance, continue to list this account as delinquent on my credit reports. This, in light of the fact that these lenders are taking more than $ 700 monthly in payments from my social security benefits and the co signer on these disputed accounts. While they have finally made good on delivery of the back paperwork needed to try to rectify this loan, I'm not sure how they can take monthly payments and still list my account as delinquent? This is very hurtful to say the least. 
How can I get them to stop?
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

I, XXXX XXXX, personally filing this complaint without any involvement from a third party. I have attached letters to provide detailed information about the inaccurate items being reported in my credit report. The dates reported by XXXX, XXXX, and Equifax are inconsistent and untimely.
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.

1.XXXX XXXX XXXXhas violated my rights, 2. XXXX XXXXXXXX has violated my rights, 3.XXXX- has violated my rights , 4. XXXX XXXX XXXX XXXX has violated my rights, 5. XXXXhas violated my rights, 6. XXXX XXXX XXXX XXXX has violated my rights, 7. XXXX XXXX XXXX XXXX XXXX violated my rights 8. XXXX : XXXXhas violated my rights.

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

15U.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.

I have sent in numerous of letters, the only correspondence I have received is in the documents section below. I also inserted the letters I have sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been a victim of identity theft! 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting 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 a personal credit card account opened at XXXX XXXX XXXX XXXX Reported balance {$50000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported balance {$9200.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Debt collection

XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to resolve this issue with Experian for the last few months. There's an address reporting that I dont reside at or have any affiliation with. I called Experian over a month ago to remove the address which the young lady advised me they did however its still reporting. I've listed the address below and im asking for an immediate removal of the address from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX
Product: Credit reporting or other personal consumer reports

As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To clarify this matter, please provide the following : XXXX. XXXX. XXXX. XXXX. 5. Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards,
Product: Debt collection

I have sent GM FINANCIAL a CEASE AND DESIST on XX/XX/XXXX with green return receipt which they have mailed back as you can see in my previous complaint. A cease and desist in law is used to tell the other party to stop all illegal activity and stop all communication through any medium. Today I received a deceptive form from GM FINANCIAL Pursuant to 15 USC 1692j, pursuant to 15 USC 1692c ( C ) GM FINANCIAL should only be communicating with me about terminating further efforts to collect a debt, to invoke my specified remedies which i did already and that i intend to invoke my specified remedies which i did already as well.
Product: Credit card or prepaid card

A card for XXXX 's XXXX XXXX was opened in my name through Wells Fargo. Contacted Wells Fargo. They cancelled account. Was never informed how this was opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit sale of a vehicle at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. Initially I refused the purchase due to exceptionally high interest rate. This occurred XX/XX/2019. At the time they quoted a rate of 22 %. Received a letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX stating they must regretfully inform me that they were not agreeable to handling the proposed transaction due to their decision based in whole or in part on the two agencies listed. XXXX and XXXX XXXX. XXXX located at XXXX XXXX XXXX XXXX, PA XXXX with a toll free number listed as XXXX gave a credit score of XXXX with a range of XXXX to XXXX which to me seemed fairly decent. The other company whom I have never heard of XXXX XXXX. Located at XXXX XXXX XXXX XXXX XXXX CA XXXX with a toll free number of XXXX gave a credit score of XXXX with a range of 1 to 999 which seemed to me to be very low in comparison to the three major reporting agencies. When I attempted to make an inquiry to XXXX. They were requesting way to much information about me such as a copy of my drivers license as well as other personal information. I refuse to provide personal information to some company Ive never heard of. Their key factors stated ; limited history for consumer at address and phone number which Ive had for over 10 years. Not enough debt experience which Ive had for 30 years plus. Too few bank card accounts which Ive maintained for 30 years plus and limited history for consumer at this phone. My complaint comes from the fact that upon checking for reviews concerning XXXX I found at least 25 reviews with all reviews stating the same thing, a low credit score from XXXX after receiving high scores from the three major credit bureaus, which generated a high interest rate. This seems like a scam from XXXX or XXXX Bank to artificially raise interest rates on unwary consumers who are applying for credit or loans. This is apparent from the fact that if I had accepted their terms at XXXX XXXX I would have gotten the credit based on a 22 % interest rate. But due to the fact that I declined them they are now saying that they denied me based of my credit worthiness. I also reviewed the XXXX and they were not a member, which to me is another red flag. Please investigate before this company can rip others off based on their methods of artificially raising interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws
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 I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX