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

I have a U.S Bankruptcy Courts that is reporting on my credit report. I have reached out to Experian on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. Experian has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from Experian. I am getting furious with going back and forth between Experian and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed my address and place of employment with Equifax and it continually comes back incorrect. Even after I sent in supporting documents. 
Please update.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The listed current address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. My correct current address will be attached in the documents.
Product: Debt collection

I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. 
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. 

When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

First premier bank XXXX noticed account XX/XX/XXXX account opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.
Product: Credit card

In the second week of XXXX we decided to remodel our bathroom. We Lowes sent us to their partner XXXX XXXX. We received a contract with a price that included a 10 % discount because we would finance it through a MyLowes card. After signing the contract we when through the process of getting a MyLowes card through Synchrony Bank. They gave us a {$4000.00} credit limit far below the {$12000.00} required to fiance the remodel and qualify for the 10 % discount. Since Lowes/Re-Bath/Synchrony was not going to do the work for the contracted price, we considered the contract canceled. Just to make sure we sent a cancellation notice by E-Mail and postal letter that day which is within the three da grace period required by California law.

Telling the customer that the contracted price is going to increase {$1000.00} after stating the price and signing the contract is obvious " Bate and Switch ''.

We also requested that Synchrony provide us with a way of getting a free copy of the credit report used to deny us credit. They told it would be in the letter they were sending to. ( Actually a electronic message through a difficult to use system. ) The letter did not contain this information.

Two issues : 1. The bate and switch.

2. The refusal to provide credit reporting information as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still no response from other 2 open cases. Transunion responded and upon their investigation the information was fraudulent and they removed from my report. XXXX  and XXXX  said they use the same data furnisher ( XXXX ). They don't have a file for me. I am going to contact a FCRA attorney. This is effecting me emotionally and financially. Transunion still have XXXX. I reached out to them directly. They have no valid proof. XXXX   have over 10 fraudulent items on my report and 4 duplicate accounts. XXXX  have 3 accounts that are fraudulent! This is a Violation of my rights per the FCRA AND FDCPA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX and defaulted on the loan and it was repossesed XX/XX/XXXX. 
However, XXXX is charged off {$21000.00} and written off the account as well as listed it on my credit report until XXXX. 

XXXX then also sold the account to Collins Asset Group XX/XX/XXXX and they are reporting {$10000.00} past due as of current. Collins Asset Group is also reporting on my report until a different date which will be removed in XX/XX/XXXX. My issue is that both are listed on my account twice for one vehicle and fall of each on different years. Collins A. G. is also reporting inaccurate information in regards to whom the original creditor was..Collins is reporting that I owe XXXX as the original creditor, when in fact XXXX is the original creditor. I hold copies of any information that has been included to support my complaint and or findings. NOTE* This has made my life horrible, I am unable to obtain a better quality of life because of incorrect and wrong information as well as how many different accounts are listed for 1 vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$18000.00} do not have a file with this company XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ll do not have a file with this company XXXX XXXX XXXX XX/XX/XXXX {$480.00} do not have or know who this company is XXXX XXXX XXXXXX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXXXXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX XXXX been paid off XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX paid off this credit file has a freeze active and fraud aleart as well so how is this file getting new inquires while a freeze and fraud aleaert are active.
Product: Debt collection

On XX/XX/XXXX I got an alert on my consumer report about an account that I didn't recognize. I am unaware of this debt or having a business relationship with this company. I have never received any notification that I owe you this debt and putting it on my credit report without me having the opportunity to correct it is illegal. If you think you did send me proper notification, please provide the certified receipt with my signature showing I was aware of this debt?
Product: Mortgage

I feel behind on my mortgage trying to keep up with my Bankruptcy payments.

I received a demand for payment and contacted the loan servicer, FAYE SERVICES.

I was told that I needed {$13000.00} to reinstate my Mortgage. I contacted my lender and told them that I only had {$10000.00}.

I was told to complete the Borrowers Assistance Form if unable to reinstate my Mortgage.

I was told that my Borrowers Assistance Form was incomplete because I needed to provide proof of hazard insurance coverage and sign the Borrowers Assistance Form. I signed the form and the forced hazard Insurance was put in place by the lender, FAYE Servicing, as forced hazard insurance had been in place for the last 8 years.

I contacted Faye Servicing about obtaining the documentation of the forced hazard insurance and no assistance was provided. Even though Faye Service was listed on the Insurance Declaration Statement. This resulted in again my form not being processed and purposefully holding up the process to ensure foreclosure proceedings. As processing of the Borrowers Assistance Form would have clearly indicated what provided full preservation of my rights and determined my eligibility for assistance.

Faye Services ensures foreclosure by failing to process my Borrower 's Assistance Form even though all necessary documentation was in their possession. As the forces hazard insurance information was accessible to Faye Servicing as they were listed on the Insurance Declaration Page for months prior to requesting it. 

I started completing the Borrowers Assistance Form that listed a whole host of documents not previously requested, for the third time with a due date of XX/XX/2018 and I received foreclosure documents on XX/XX/2018.

I am now facing additional fees because Faye Servicing failed to provide me with any protections provided to mortgage lenders by law.

Faye Servicing also failed to keep me informed about critical information about the process of applying for foreclosure relief.
Product: Credit reporting or other personal consumer reports

ON COMPLAINT XXXX EQUIFX REPLIED WITH VERIFICATION OF THE ACCOUNT. I DIDNT ASK VFOR VERIFICATION OR VALIDATION .I PROVIDED EVIDENCE ON MY CREDIT REPORT THAT THE ACCOUNT ISNT SHOWING ACCURATE INFORMATION AND SHOULD BE DELETED BY LAW UNDER CONSUMER LAW. THE ACCOUNT IS SHOWING DIFFERENT INFORMATION ON ALL BUREAUS, THEREFORE IT IS CLEARLY INACCURATE AND IS A VIOLATION OF CONSUMER LAW. VERIFICATION ISNT WHAT I ASKED. THE INFORMATION IS ISNT SHOWING THE SAME ON THE OTHER BUREUAS. IT IS ILLEGAL TO REPORT INACCURATE INFORMATION. THEY PROVIDED VALIDATION AND THAT DIDNT FIX THE FACT THE INFORMATION THEY ARE REPORTING IS INACCURATE. THEY IGNORED 15 U.S. Code 1681i PER THE LAW 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below. 

2. Any factual information Any credit transaction between you and the consumer and them in person. 
Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n. 
I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft. 
You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you! 
Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again. 
If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report. 

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Equifax and XXXX  because I have advised them that the following accounts are not my accounts and they need to be deleted from my credit report and they are still showing listed. These accounts need to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Debt collection

This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.
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 name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 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 or reported inaccurately. The law is noticeably 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 demand the following accounts be verified or deleted immediately : 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
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified several unauthorized credit inquiries. It seems my credit information has been compromised under your supervision. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They confirmed their compliance and acknowledged receipt of certified letters indicating the inquiries were unauthorized. I demand the immediate removal of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report. Enclosed is my new FTC report, number XXXX, for your reference : XXXX : XXXX CXXXX 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/XXXX -- -- -- -- -- -- Equifax : 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/XXXX. As stipulated in the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, provided ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as formal notice that failure to remove these inquiries from my report will result in legal action. My attorney is aware of my intentions and is prepared to hold you accountable for any noncompliance. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$120.00} XXXX XXXX  XXXX XXXX XXXX : {$100.00} US DEPARTMENT OF EDU XXXX XXXX : {$4000.00} US DEPARTMENT OF EDU XXXX XXXX : {$3400.00} US DEPARTMENT OF EDU XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU XXXX XXXX : {$2100.00} US DEPARTMENT OF EDU XXXX XXXX : {$5300.00} U S DEPT OF EDXXXX XXXX XXXX : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX