23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Signed Affidavit. Experian sent a email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request '' In a another complaint filed with the XXXX Experian stated they're going to reinvestigate now i have a few emails stating what i mentioned above. I attached XXXX of the emails for proof. Here is XXXX of the messages i received on the XXXX. We are currently reinvestigating the disputed XXXX XXXX account with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer. 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. 

Thank you for allowing me to assist you. Please contact our office if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX main XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX : Security Credit Services , LLC Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of Security Credit Services , LLC . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft. 
Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies. 
XXXX XXXX new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported late payments when auto pay was set up but the system failed to make payments. 

Contacted Equifax, XXXX, XXXX through disputes and the negative reporting was not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to clean up my credit with Experian and they are not cooperating with me. The other two credit agencies have been great my score with them is over 600 but for Experian they are not clean the negative things off my report. My report should not be XXXX. Even the company that I hired tried to get them to take off the old stuff and they are not doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX OR XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX is not my address XXXX XXXX XXXX  XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX  XXXX XXXX these companies I have never done business with XXXX  XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX, XXXX XXXX my request is the you delete and remove this errors from my credit profile immediately.
Product: Mortgage

Please read this Please read this I have made this complaint twice now and your company keeps blowing me off and saying it is resolved IT IS NOT RESOLVED This has been going on since last year This Banco Popular XXXX XXXX XXXX has not listed my mortgage payments on my bank mortgage account. I have submitted my paperwork prior. I pay EVERY MONTH yet they STILL have not listed my XXXX payments on the account. They will not help me and say to call XXXX XXXX where they hardly speak English and I can not speak XXXX, yet I got the loan at the Banco Pop XXXX XXXX XXXX XXXX They will not mail me my monthly statements and I ask and ask and ask They are lazy and rude there. How can they not mail me my monthly statements They don't keep my credit company monthly payments up to date either I can not get anyone to email me about if my mortgage total is really being paid off correctly
Product: Credit reporting or other personal consumer reports

I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Last XXXX billing cycles Ive been charge interest and when spoke with XXXX at XXXX she advise that I am still receiving interest charge from XXXX. However XXXX from XXXX and XXXX has been paid in full. Also if I dont pay the statement balance by the due date I will receive interest instead of paying by the statement date. My statement stated balance has to be paid in full by statement billing period. I have XXXX months of partial statement balance payments yet XXXX months of interest charge and They are refusing to remove it.
Product: Checking or savings account

My mom returned a shoe on Amazon and she didnt get refunded after week so she decided to contact Amazon and spoke to a guy called XXXXXXXX XXXX. He told her to contact the last person she did a XXXX  transaction with which was me, so he called after she told me he was gon na call and he started instructing me. He told me to put my phone on screen recording so he can see whats going on, he told me to transfer my money from both savings account and checking account to her XXXX XXXX so he can increase her limit, on my side it was saying failed so told me to do it through XXXX and apparently it went through but it didnt send to her, it went straight to him.
Product: Checking or savings account

A XX/XX/2022 letterhead from XXXX, XXXX of the President at Barclays attempts to address CFPB complaint XXXX by dodging all complaints and counts, which were legitimate and well grounded. Most important in the letter is statements about an account ownership letter being accepted as [ acceptable account owership proof ] which XXXX Bank drafted, I submitted on XX/XX/XXXX and resubmitted on the XXXX to XXXX from my email address. Today, XX/XX/2022 not even one email reply back has been received back. CFPB complaint XXXX response, indicated only a .jpg image was received for verification of the account. This is false and records printed reveal via email and in the complaint the verification letter is included in a .pdf format. Here, also, the compensatory damages request was declined. I am now seeking {$15000.00} in compensatory damages because of my claims and allegations which are fully supported and here, appear to be scurried and drifted off as baseless. This is simply not the case. It will be shown, a wide spread matter, and an alarming matter of banking neglect has caused harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Delete these Addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Kindly find attached my social security card and passport to proof identity.
Product: Mortgage

My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

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

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed Professional Credit Management ( PCM ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and PCM has failed in correcting the erroneous information. Since PCM continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for credit inquiries to be removed from the XXXX credit bureaus and I was denied to have them removed. I understand my consumer laws and wish that the financial institutions do not share my inquiries to the XXXX credit bureaus. I was not asked for permission for the information to be shared. I have no accounts with these inquiries below. 


According to Consumer Report and Information Sharing- Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) states I have rights.

15 U.S.C 6801- privacy obligations, financial institutions have an ongoing obligation to protect my information without my sole permission.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 .U.S.C . 6802 ( A-C ) states I have rights. I was never told these inquiries were gon na report or asked do I want them reported. 


Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

US Bank XXXX XXXX XXXX account opened on XX/XX/23. XXXX XXXX applied at this time for {$500.00} bonus after holding {$5000.00} in account for 60 days. {$5000.00} deposited XX/XX/23. No bonus credited and they say wrong code was applied, even though they admit to having a dropdown at this time where you pick the code. Screenshot of offer taken by me, bank will still not apply offer. 

They have also charged multiple fees for paper statements and they refuse to enroll me in paperless despite multiple attempts by me. This may be corrected now. 

Website will not allow me to make external transfer as I keep getting an error trying to link XXXX XXXX XXXX account with plaid. I will try again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate, incomplete credit information XXXX XXXX XXXX acct XXXX is not on my credit report for Trans Union and it should be reporting as paid on time. Account is open. Monthly Payment : {$2.00} Date Opened : XX/XX/XXXX Balance : {$20.00} No. of Months ( terms ) : 0 High Credit : {$20.00} Credit Limit : {$750.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX XXXX  XXXX XXXX should be reporting on my trans union report Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$240.00} Credit Limit : {$5000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX Account # : XXXX never been late with this company, as this was a refi and the next mortgage company was to pay them on time. This needs to be fixed as paid on time and as agreed for XX/XX/XXXX XXXX XXXXnAccount # : XXXX needs to show never late for month of XX/XX/XXXX. 

XXXX Account # : XXXX not mine, needs to be deleted XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX not mine. needs to be deleted All inquiries need to be deleted, no knowledge XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXXXXXX XXXX Mortgage Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX Bulk Purchase XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto XXXX XX/XX/XXXX TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XX/XX/2024 approximately XXXX I was at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX parking lot. I was asleep in my vehicle when I noticed the vehicle went left, right and then up, I jumped up, I noticed that a tow truck was behind my vehicle, I started the vehicle but the vehicle wasnt moving because he had already jacked up the vehicle. He came to the vehicle with a flashlight I told him to release my vehicle. He said no, i said i am in the vehicle, he started yelling and getting louder and louder, he said he was there because Title Max sent him to repossessed the vehicle. He had a XXXX on his hip and I didnt want the situation getting any worse. I turned off the vehicle, climbed out handed him the keys and I asked him the location of where hes taking the car he said he cant give me that information however Title Max will contact me with the information. After several days have not provided that information.
Product: Debt collection

My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. Specialized Loan Servicing has been continuing to collect the debt based on an acceleration by XXXX XXXX XXXX which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first XXXX pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

POSSIBLE FINANCE ACCT # XXXX BALANCE {$58.00} ACCORDING TO THE IRS THIS ACCOUNT IS CHARGE OFF WHICH IS NOW CONSIDERED INCOME AND ACCORDING TO THE CREDIT BUREAUS INCOME CAN NOT BE REPORTED ON YOUR CONSUMER REPORT
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the course of the past 1month I have disputed several items on my report and my score has dropped drastically. Im not late or delinquent on any payments this makes absolutely no sense. Please review my file and correct my my score because the current score is a 120 points difference from my other two whos have the exact information contained with in them. How does my score go from a XXXX to a XXXX and Ive missed not a 1 payment my payment history is 100 % please explain I have no high credit card balances no collections. I dont understand
Product: Debt collection

I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. 

here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX