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

Sent documentation regarding my request to EQUIFAX, they sent an email on XX/XX/XXXX ( past the deadline ) stating there was an issue with my documents. I am not clear on the other documentation needed. 
Submitted ID, my letter, letter from Manager of state entity which was received on XX/XX/2023. I have spoken to several Representatives in the past two weeks and today the Rep told me its Legal Department who is sending me the correspondence via email for additional documents. 

The following case numbers are : XXXX and XXXX According to the CFPB.gov website, credit reporting agencies SHOULD NOT challenge any documentation unless its for identification purposes. 

The following is under the CFPB.gov, Human trafficking details : When can you expect a response from the consumer reporting agency? 

After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. They may request additional documentation only to establish proof of identity identity, to request a victim determination, or to identify the adverse items at issue. They may not, however, challenge whether the adverse information resulted from trafficking. If the credit reporting company requests additional documentation, they must make a final determination within 25 business days of your orginal submission. 

When the consumer reporting agency makes its final determination, they must provide a : statement confirming the review has been completed ; statement explaining the outcome ; free credit report showing the revisions ; description of the procedures used to determine the outcome ; method for contacting them to appeal their determination or revise your submission ; and webpage where you can submit a complaint to the CFPB. 
If you have a problem with credit reporting, you can submit a complaint with the CFPB. For additional information, read the Final Rule and the CFPBs Human Trafficking Fast Facts.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX : Account number : XXXX, This inquiry is unauthorized. Please DELETE! 
XXXX XXXX XXXX ( Original XXXX ) : Account number : XXXX, This inquiry is unauthorized Please DELETE!
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 U.S.C 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 secti
on 2 it also states : a consumer reporting agency can not furnish an 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 annotates the report by more than XXXX XXXX 15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 ONLINE INFORMATION SER Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So I filed a dispute with Chase bank and as reg E rules and their website rules you get a temporary credit while the investigation is taking place so since Ive filed the dispute I never received temporary funds my card got stolen and money got taken out the atm and I have XXXX dollars to feed my kids or take care of myself and I asked why on your website does it say I get one in 4 days but theyre saying on the phone I have to wait till the investigation is over which is absolutely false I know my rights and banking rules this isnt right at all. So now this theif took my money and Im absolutely flat XXXX dollars and Chase wont even help
Product: Student loan

When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.
Product: Credit reporting

I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!
Product: Checking or savings account

On XX/XX/2022 I contacted Dave 's mobile banking and told them that many email and phone number was changed and I requested for them to change it back and they said they that they would not talk to me or change back I didn't know the email or phone that the person that was stealing my money put in my account so Dave 's mobile banking closed my account after someone stole XXXX out of my account and they still have XXXX of my dollar and refusing to give my money. I contacted them in the. Last months daily I need help I homeless and XXXX because of the Dave 's mobile banking I had SS direct deposit in them and they won't send it to me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized inquiries that appear on my credit report. These inquiries are adversely affecting my creditworthiness and were not authorized by me. The unauthorized inquiries are as follows : Company Name : XXXX XXXX - Inquiry Date : XX/XX/year> and Company Name : XXXX XXXX - Inquiry Date : XX/XX/year>. 

I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), inquiries can only be included on my credit report if they are authorized, and these were not. I request that these unauthorized inquiries be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
SECURITY CREDIT SERVICES Original Creditor Name : XXXX XXXX  XXXX  Balance : {$3800.00} XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX XXXX  Balance : {$2300.00} SUN XXXX XXXX # XXXX XXXX  Balance : {$290.00} XXXX XXXXL XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX : {$860.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The presence of a negative rating on my account is causing me considerable anxiety. I'm gravely concerned about how this may affect my credit standing. This derogatory mark has already led to the rejection of a recent loan application and elevated interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this unfavorable rating has inflicted and will continue to impose until resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested three regular ticket from XXXX and XXXX on XXXX XXXX for a trip XXXX  XXXX on XXXX XXXX, the ticket was supposed to be issued right away, but was issued a day later, not allowing me to cancel it within the 24 hours as allowed bu US law, even I asked for it to be canceled. I called XXXX and XXXX I told the credit card usage was unauthorized. 

I was sold a consolidator bulk ticket not a regular ticket, something never agreed upon. 

Few days later XXXX XXXX announced that they went out of business, I contacted them for a refund, XXXX XXXX said that they had a reservation which was canceled but XXXX issued the ticket as cash, and XXXX charged me separately for it, therefore XXXX XXXX didn't owe anything. Capitalone was contacted and they played hard to initiate a dispute, after I emailed their executive department, on XX/XX/XXXX they replied on XX/XX/XXXX that they will initiate a dispute, I never authorized XXXX  to purchase the tickets as cash and never knew that they sold a consolidator ticket. 

Capital One right away gave a hard time. After pressed to open a dispute, I contacted the CA Attorney General against XXXX for making unauthorized charge in my account and fraudulent charge, they put I dispute on and today XX/XX/19 I was rebilled for the fraudulent charge because Capital One does not want to rebill the merchant. They were explained from the beginning that fraudulent charged limits me for up to {$50.00} but CapitalOne said that their credit card division is based in XXXX and only follow XXXX law. I applied, got and always paid to CapitalOne USA, never did any business whatsoever with XXXX.
Product: Credit reporting or other personal consumer reports

i have no supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therfore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX BALANCE {$2700.00}. Please remove these inquiries. consumer XXXX XXXX XXXXXX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was never told about my right to resend so the contract was null and void. I have even asked for proof that I have a contract with Capital One Auto which they have not yet sent me that. They have repossessed the truck which Im still waiting on a judgment, they gave them authority to repossess the vehicle furthermore if they were true fully and honest by doing their duty we wouldnt be in this situation 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXXXXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Checking or savings account

My beloved wife XXXX and I each received a XXXX  letter from Morgan Stanley advising each of us that our accounts with Morgan Stanley were breached and that our Social Security numbers were stolen! 

Morgan Stanley conveniently does not tell us why our accounts were breached despite the repeated assurances that breaking our accounts is impossible because Morgan Stanley has in place sufficient security protections to prevent this from happening. 

Claptrap! Morgan Stanley did not take the precautions necessary to protect our accounts. And I dare so the accounts of huge numbers of other people. 

Just last week my beloved wife received an anonymous telephone call inquiring about her Social Security number. She hung up. 

Morgan Stanley knows XXXX well that our Social Security numbers and those of a huge number of people were stolen. 

Morgan Stanley is trying to convince the public that it did everything it could to protect accounts and that all is well. But all is not well as aforementioned! 

Morgan Stanley should be and must be brought to task for this deception, this misrepresentation, and this incompetence! Period! 

But Morgan Stanley is rich and has an army of well paid attorneys and public relations/customer relations/marketing people to pull the wool over our eyes and those of the public! 

Morgan Stanley should be heavily fined!
Product: Mortgage

I needed to sell the house called Wells Fargo they said I owe {$100.00} I find someone to buy it. The lawyer who was going to help in the closing found out I owed {$31.00} for a second mortgage. 

In 2016 I couldn't afford the monthly payments and apply for REFINANCE people from Wells Fargo kindly " helped '' me with a lot of documentation and lowered the payments. Now that my partner passed away I want to go back to XXXX to help my XXXX XXXX XXXX dad and need some cash to relocate. 

Never I heard about a second mortgage but only about MODIFICATION and REFINANCING. It is not fair and I don't have that kind of money. A lady from WF, sent me letter saying I have to pay the whole amount and also mentions PARTIAL CLAIM ... .and XXXX PLEASE HELP me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information related to the collection account reported by Portfolio Recovery, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as " XXXX XXXX XXXX XXXX, '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, Portfolio Recovery has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that Portfolio Recovery has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that Portfolio Recovery has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under 15 U.S.C. 1681i ( a ) ( Section 611 of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that Portfolio Recovery delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, Equifax and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXXXXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}