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

Experian Complaint # XXXX Response on XX/XX/2018 Experian has yet to provide proof of balance as I have uploaded the document from XXXX XXXX XXXX. Nor has Experian provided any proof of any from XXXX of the amount of the loan. Experian has not provided any proof of XXXX being the original owner of the requested loan. 
Experian states that they have the loan amount right as stated by Experian of {$24000.00} in which is wrong and I have the proof of the document from XXXX XXXX XXXX of the loan being {$25000.00} so how is Experian response right as they claim but have no supporting documents from XXXX XXXX XXXX as proof. As Errors in the reporting you cant say XXXX legally unless you have documentation that they were the original owner of the loan or provide documented proof of the said loan. XXXX XXXX XXXX is the owner of the original loan not XXXX. Experian needs to provide me documented proof of the documents. XXXX XXXX Cleary states on there letter they did not report this loan and Experian has XXXX/XXXX XXXX XXXX on my credit file so 2 company 's cant show one reporting and the other on the same trade line but one provided proof and as of yet Experian has yet to prove or provide documents as XXXX XXXX XXXX. I did not sign any loan agreements with XXXX nor has Experian Provided any proof of this in any way. Experian has not provide any proof of the loan amount as they show as {$24000.00} when in fact my documents show XXXX in which by law is no correct nor right and violates my rights of a debt not showing correct or document proof from Experian other wise to prove me wrong. As XXXX stated in there letter they did not provide delinquency information to the credit reporting agencies. I have yet to see any documents from XXXX as the loan original owner or documents from Experian there cant be 2 loan company 's on the same trade line one reporting and the other one is not but XXXX is not the original owner nor has Experian provided proof to me as they are or any documents. As the loan was adjusted it not correct so there for the loan is in error.
Product: Mortgage

fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is a fraudulent business with no identifiable contact information and/or address. I sent a letter to them disputing the validity of an account which was returned to me indicating the address was vacant. I then disputed the validity of this debt with Transunion and demanded that I be provided with original documentation indicating ownership of this debt. Transunion closed the dispute indicating the information was accurate, however, I was never provided with the necessary documentation such as master promissory note or original loan documents. I have yet to be provided with anything, however, Transunion closed the dispute anyway, thus this needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This letter is to formally request information regarding the methods used to validate accounts on my credit report. I am particularly interested in understanding the process employed to verify the accuracy of the following information : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The Fair Credit Reporting Act ( FCRA ) grants me the right to ensure the accuracy of the information contained within my credit report. Understanding the methods used to validate accounts will allow me to better assess the information 's completeness and legitimacy per [ FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] Specifically, I would like Equifax to provide details on the following : The types of information used to verify account ownership ( e.g., Social Security number, date of birth, address history ).

The communication methods employed to contact creditors for verification ( e.g., written communication, phone calls ).

The procedures in place to ensure the legitimacy of the information received from creditors.

Please furnish this information within 15 days of receiving this request per [ FCRA 611 ( a ) ( 7 ) ]. I appreciate your cooperation in this matter. 
Thank you for your time and attention to this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I traveled to XXXX on XX/XX/XXXX-XX/XX/XXXX, while i was there I was mainly using Chase Visa Card for all my purchases from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also used XXXX XXXX visa card on XX/XX/XXXX. I paid all my purchases in Euro because I know when it converted to US , i will get a good rate and also I dont get charge for 3 % transaction fee. Unbeknownst to me, Chase used XXXX-XXXX exchange rate, while XXXX XXXX used XXXX-XXXX. As a valued customer, i felt being taking advantage by Chase. I have been Chase client for a long time, i also have deposit product with Chase. This is not how you treat your value customer. I tried to talk to Chase and they said it wasnt them that made the decision about exchange rate, it was XXXX XXXX and I contacted XXXX XXXX they said it wasnt their decision either. I know that XXXX XXXX issued the base rate to all banks and its up to Banks to increase that rate, I understand they are in a business to make money BUT they are too greedy. The fact that XXXX XXXX charged that rate, Im sure that XXXX XXXX still made a good profits. Im writing this letter to ask for financial justice, I do not want to consult with lawyers unless i have to. I only want whats mine. I want Chase to basically refund me the overcharged for all my purchases during that period of time using XXXX XXXX exchange rate. I will also attached my credit card statements from Chase and XXXX XXXX for your review. Thank you and looking forward to hearing from you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Request for Action Against Experian for Violations of the Fair Credit Reporting Act Dear Federal Trade Commission, I am writing to formally request that the Federal Trade Commission ( FTC ) take action against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that amount to credit fraud and identity theft. 

On XX/XX/XXXX, Experian accessed my credit report without my written consent, which constitutes a clear violation of my rights under the FCRA. Furthermore, they subsequently deleted my XXXX XXXX XXXX account, which had been paid, closed, and had never been late. The removal of this account not only negatively impacts my credit score but also undermines my financial integrity and trust in the credit reporting system. 

I have attached documentation supporting my claim, including a letter from XXXX XXXX XXXX that confirms their update of my account information and their reporting of this account to all three credit reporting agencies. This documentation illustrates the unjust actions taken by Experian and the distress caused by their negligence. 

Additionally, I would like to highlight Experian 's failure to comply with XXXXory Compliance**. Credit reporting agencies are required to adhere to various state and federal regulations, and Experian 's actions reflect a serious disregard for these laws. Their lack of effort to comply not only violates consumer rights but also poses significant risks to consumers like myself.

I urge the FTC to investigate this matter thoroughly and take appropriate action against Experian to prevent such violations from occurring in the future. The unauthorized access of my credit report and the subsequent deletion of a valid account is not only unethical but also detrimental to consumers.

Thank you for your attention to this matter. I look forward to your prompt response and to seeing justice served against these practices that jeopardize consumer rights.

FEDERAL TRADE COMMISSION EXPERIANS USING STALL TACTICS ASKING FOR MORE IDENTIFICATION THEY ALREADY HAVE ALL OF MY INFORMATION. Not complying Wilful non compliance with the Fair Credit Reporting Act ( FCRA ) occurs when someone intentionally or recklessly violates the law. The FCRA outlines civil penalties for willful violations, including actual damages, statutory damages, and punitive damages. 
Penalties Actual damages : Any damages the consumer has suffered as a result of the violation Statutory damages : A minimum of {$100.00} and a maximum of {$1000.00} per violation
Product: Credit card or prepaid card

XX/XX/XXXX I purchased an Apple XXXX for approximate {$1200.00}. Apple offered an " installment payment with no finance '' if paid off in 24 months if you put on a card, so payment would be {$51.00} a month. XX/XX/XXXX I noticed that my card was being charged interest and contacted Goldman & Sachs ( card company ) and advised of this. Apple representative called me back the next day and said their error they would credit all the finance charges and put phone on installment plan.. XX/XX/XXXX Apple Card ( Goldman & Sachs ) called me regarding my payment being behind, even though I had made a payment. Rep stated the payment was to be {$160.00}. I said What, why ... .They said well you owe for phone. I went through the installment that Apple advised and Apple NEVER applied the payments against the phone, they set up the installment plan 8 months later with the original amount. Supervisor at Goldman & Sachs saw the same thing and stated they were putting in a dispute and it could take up to 25 days to resolve. It has been past 25 days, still not resolved and they call every month stating I am past due. I tell the rep is there any notes... they go in and see the notes then say oh I am so sorry. Today when they called I said I am still waiting on resolution but at this point I am worried this is effecting my credit representative stated " Oh it absolutely is being reported that you are past due '' At that point I stated I was contacting CFPB and the Attorney 's General Office and wanted to speak with supervisor. Supervisor XXXX got on phone she also can see the error and is sending back a note regarding the false reporting to credit bureau but due to the amount of time that this has been going on I am worried this is not going to resolve.
Product: Credit card

This how my ordeal with Bank of America Started : Bank of America issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by bank of america. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating " this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, " no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call XXXX has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor is the bankruptcy on experian mine.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Cash App account to fraudulent investment firm ( s ).
Product: Debt collection

There is a collection on my credit report from a Southwest Recovery Service, that lists the original creditor as the same name with a date of XX/XX/17. I have absolutely no clue what this is for. I have never taken out any account with this business and never received any bills or notices that I had a debt with this company. I do not think this debt belongs to me and if it does I believe it has been illegally re-aged and placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
Product: Mortgage

I had a mortgage with Key Bank and in 2013 I settled the account with them and it was complete XX/XX/2013. They are still reporting that I owe a balance and it should have been XXXX once the payment was completed. It has affected all my financing since 2013 due to this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act convergent account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two letters ( attached ) in the past 6 months indicating I requested an account with Comentity Bank. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with XXXX credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX
Product: Credit reporting

Collection accounts that are not only old enough to be deleted, but are being sold and transferred to appear new.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Regions Mortgage and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
Product: Credit reporting or other personal consumer reports

ursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that GM sent clearing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a collection agency, has broken several laws and have Perjured themselves multiple times since they began their efforts to collect XXXX XXXX  debts from me stemming back several years. 

I have requested validation of these accounts multiple times prior to receiving this letter ( attached from XXXX XXXX XXXX ) that clearly shows by their own account, that they never had any validation documentation in their possession for these two accounts they have been reporting against me for years, AND, XXXX XXXX XXXX XXXX have routinely broken the rules of engagement that they are required to abide by in contract with the credit bureaus ( XXXX, XXXX, and Experian ), BY Not maintaining the required validation documents in their possession, in their place of business, and this further proves that they perjured themselves to the credit bureaus time and time again when disputing my dispute of and in the request of validation that I requested from them for one : 1. supporting their even most basic right to collect these accounts against me, and it has all been lied, deception, and possibly a conspiracy with the collection bureaus.

2. Proof to me these accounts were valid before I would pay them if they were valid, and 3. My rights have been destroyed by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX  for not supervising such events like this and allowing a rogue collection agency to operate with total disregard to federal and state laws, and 4. Not only violated many rules/laws under the fair credit reporting act, they 5. Violated HIPPA rules/laws when they gained and furnished to me through the US mail along with that letter in reference ( Attached ), what looks to be a form or what XXXX  called in that letter, and looks like a third grader prepared it in on their word processor, a document with the doctors that performed services on me, and even has the services section in clear view, but it was XXXX out thank XXXX!, But, 6. A CLEAR AND PRECISE DOCUMENT WITH HIPPA VIOLATION WRITTEN ALL OVER IT!, 7. And so several years later we finally see their failed attempt to produce validation of these accounts because the pressure was getting hot to produce and they made the worse and careless mistake ever, they 8. Violated my health information privacy rights protection. ( HIPPA ).

9. And, at the same time, threatened, coerced me and referenced laws that do not exist, in an effort to shut me up from disputing those two accounts because the big lies were coming to the surface because was and continue to be diligent in my investigations pertaining to my credit file being damaged for year 's, and in their efforts to thwart me in my endeavors, broke many many Laws, and rules, and have caused me to be sick the entire time. 

Why couldn't they be honest and do the right thing/ and they continue even today, to engage in this same behavior with no concern to even me or my health but most importantly ; state and federal laws. Not good!
Product: Debt collection

Diversified Consultants call me daily at around XXXX from a local number regarding a small debt for XXXX XXXX . I have requested Diversified Consultants to stop contacting me 3 times this week after one representative claimed to work for XXXX ( which is false ), another representative hung up on me when I was requesting again for them to stop calling me, and the third representative today tried to over talk me as I was telling her I know this is a recorded line and to stop calling me. I have disputed this debt with another collection agency over the past 11 months as XXXX is charging me for service after the disconnection date and quoted me a final bill of about {$82.00} during my call in XX/XX/2018 upon disconnection or service. The other collections agency stopped contacting me regarding this debt after I requested and also did not place it on my credit report as I disputed it as an incorrect amount.