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

equifax, has reported inaccurate information on my credit report. I disputed this error and provided supporting documentation, but Equifax failed to properly investigate and correct the issue. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and constitutes negligence under 15 U.S. Code 1681o.

Despite my attempts to resolve this matter, the inaccurate information remains on my report, negatively impacting my credit standing. I am requesting that equifax immediately delete the inaccurate information and provide written confirmation of the correction. 
the following accounts Please ensure Equifax complies with federal law and takes appropriate action to resolve this issue.
Product: Credit reporting or other personal consumer reports

My Experian report has incorrect addresses that is being reported fraudulently. I do not live or have ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I need both those addresses removed from my credit report.
Product: Vehicle loan or lease

On XXXX when I was making payment to my Wells Fargo auto, I was told my amount to pay was lower than usual due to a credit. However, come to find out that credit was used in Liu of late fees. Resulting in me owing close to {$300.00} in late fees on my next payment - that have never accumulated before on my account. Ive asked to dispute this to the Presidents level and they simply want to call to tell me those fees stand. Malicious practice from bank representatives that should be more thorough on any credit that a consumer can apply.
Product: Payday loan, title loan, or personal loan

Online predatory lending. 299.99 % APR for cash advances. {$400.00} credit limit. Also, this company ( XXXX XXXX XXXX d/b/a XXXX XXXX XXXX ) does not have a license to offer lines of credit in my state of residence ( Florida ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received my monthly statement indicating a bankruptcy message on my account. However, I have never filed for bankruptcy. I contacted the loan servicer via phone and explained that I did not file bankruptcy and that the information on file is incorrect. They responded by telling me that name of the person who did file along with the bankruptcy case number. I stated that I did not know the individual and they do not live at my address. I contacted the loan servicer again on XX/XX/2019 and explained the situation again to have the bankruptcy removed from my account so that I could make my mortgage payment. They responded by telling me that the individual who handles the mortgage resolution had been out of the office for a while and that they were behind on processing information. Yet again, I contacted the loan servicer on XX/XX/2019 and this time was that although the person that filed the bankruptcy had a different name, that the last four digits of their SSN was the same as mine. I was then transferred to the mortgage escalation line to leave a message. As of XX/XX/2019 I  have not received a response from loan servicer and am now receiving adverse reporting on credit reports. My credit reports now indicate that my mortgage is now CLOSED with a balance of XX/XX/XXXX.
Product: Debt collection

I do not know this company or the alleged debt owed. Ask for all terms and conditions and agreement of this debt owed to NATIONWIDE CAPITAL SERVICES sent to collector on XX/XX/year>
Product: Credit card

I just received an email today that someone opened a credit card in my name from Capital One. I also was notified that my credit score decreased by XXXX points.
Product: Credit reporting or other personal consumer reports

I am requesting that the account XXXX is removed from my credit report. I notified XXXX, Equifax, and XXXX that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. Equifax is still reporting this as a charge off which is a FCRA violation. Equifax has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.
Product: Debt collection

Company violated 4 federally protected consumer rights violations under 15 USC 1692
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Adverse Action Letter Notice to Agent is Notice to Principle ; Notice to Principle is notice to Agent. 

Pursuant to 15 USC 1602 ( c ) the term " credit card '' was used to initiate the credit cars transaction. The term credit card similarly as I have mentioned, means any card, playe, coupon book, or other credit device existing for the purposes of offering money, property, labor, or services of credit. 

The term adverse action NEVER mentioned anything about the consumer being " denied '' credit as the consumer can not be denied the credit ( s ) in which the consumer is " granting '' ( in this case ) your corporation ; which is that right to extend said credit ( s ).

Pursuant to 15 USC 1602 the term credit means " The right granted by a creditor to a debtor to defer payments of debt, or to incur debt and defer those payments ''.

Credit is a right for which I am the one who regularly extends credit in the connection with loans pursuant to 15 USC 1602 ( g ). I am the original creditor and I am aware of my rights as such. I understand that reporting to the CRA is voluntary. This is a private transaction and in it by your corporation and by me the consumer and creditor and unfavorable situation has transpired.

Nowhere under the terms of adverse action defined by the Fair Credit Reporting Act ( FCRA ) does it mention that a " natural person '' can be denied credit versus a business. As an original creditor it is not LAWFUL to be denied my right to grant credit. Furthermore, my credit was used and I received NO BENEFIT from the use of my credit and an inquiry was submutted and posted to my consumer report which is a RECEIPT of transaction further supporting that a corporation ( s ) has been compensated and I received no benefit at all. In fact, on the contrary damage was done from the denial of my rights both mentally, psychologically, and financially as a result.

In conclusion, I have been discriminated against as there are NO federal laws which state that a credit score can deny me my right to extend credit. I a natural person in good faith exercised my right and was grossly discriminated against in that pursuant to 15 USC 1691 which states, " IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION : 1. On the basis of race 2. Religion 3. Natural Origin 4. Sex 5. Marital status 6. Age, provided the applicant has the ability to contract 7. All or part of the applicants income derives from any public assistance program 8. Because the applicant has in good faith exercised any right under this chapter
Product: Mortgage

PNC Bank responses to my request of other fees on my Mortgage statement ( {$20000.00} ) has not been met from the two previous complaints filed with CFBP. 
Specifically, Amount paid to XXXX XXXX XXXX during the scheduled foreclosure sales of XXXX  and XXXX are not reconciled with the itemized bill from XXXX XXXX XXXX XXXX XXXX. ( See attached documents from the Sheriff 's office ). 
The itemized bills are as follows : In XXXX PNC paid to the Sheriff $ XXXX XXXX  PNC paid {$230.00} and in XXXX PNC paid {$2500.00} for a total of {$5800.00}. 
PNC claims {$9300.00} on their invoice as amount paid to XXXX XXXX XXXX. ( see attached invoice from PNC. 
There is a discrepancy between the two invoices from the Sheriff and PNC.Therefore, PNC must be accountable for the difference of {$3400.00} and have them reduce the fees on my Mortgage statement by this amount pending further investigation into the fees.Include, but not limited to appraisals, attorney fees, foreclosure fees etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter dated XX/XX/22 to request verification of debt and HIPAA authorization including the following : Per my rights under HIPAA, I requested : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Per my rights under FCRA Section 609 ( a ) ( 1 ) ( A ), I requested the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it XXXX sent me an updated credit report stating the information was verified TransUnion hasn't responded. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization from TransUnion OR XXXX XXXX  ( furnisher ).
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

Unlawful reinsertion OF ACCOUNTS THAT WERE DELETED BEFORE by EQUIFAX.. 
EQUIFAX, Reinsertion IS A serious violation of the Fair Credit Reporting Act. 

Unlawful reinsertion OF previously deleted information POOR COMPLIANCE PROCEDURE ..... 




SEE ATTACHED DOCUMENTS
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : 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/block 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
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown Inquiries on my credit report. 


Date Filed XX/XX/XXXX Type Credit Unions Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX   XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Reseller Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance Companies - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, New Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I dispute the validity of the debt in entirety and every portion of it. I am requesting for exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that XXXX to do a verification of these two XXXX XXXX Accts XXXX and XXXX that are listed under my name which I dont recognize. 
After about a week I received an email response and they told that they did an investigation and everything was accurate. I did a thorough research myself and found improper inaccuracy on the credit report even though they say they did Moreover, In accordance with FCRA both XXXX XXXX Accts XXXX and XXXX have violated my rights. Furthermore, under section 15 U.S.C 1681 Sec 602A, states I have right to privacy and Under section 15 U.S.C 1681 Sec 604A, states a consumer reporting agency can not furnish an account without my consent. 
XXXX XXXX Accts XXXXXXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX XXXX AcctsXXXX XXXX XXXX XXXX late payment
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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. and according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

Im a victim of identity theft. I have fraudulent accounts on my credit report. I have disputed and provided all the credit bureau with all the necessary documents they needed. They all responded back saying that the fraudulent accounts were verified with no proof. Please delete all these accounts immediately. 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 
Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 
Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 
Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 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 an account without my written instructions. under 15 USCS 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. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Credit card or prepaid card

Hello, My Name is XXXX XXXX XXXX e-mail is : XXXX This Company is " Oportun XXXX Credit Card XXXX XXXX XXXX XXXX XXXX, The XXXX, TX a scam company and has refused to close an account I never activated or agreed to any Credit Card Terms. They never would give me the terms and the Credit Limit. When they did finally send me a text telling me the Limit I told them I did not want the account and to close it since I never activated any cards. They now will not take my card unless I know all 16 numbers of the card which I never received a card in the mail. I received a Stmt showing I owe them {$49.00} for what I do not know but this Company is scamming me and I want this complaint filed to the maximum of the law and I will also dispute them as a scam through all 3 repositories and will not pay the {$49.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this day XX/XX/2018 Chase Bank fails to verify that I own the charge offs that they are reporting on my Credit Report from all 3 CRAs I requested by certified mail on 3 occasions and complained on this portal and still no documents contractually bearing my signature as the owner of the accounts. And as of today XX/XX/2018 my XXXX XXXX still verified the inaccurate information.
Product: Credit reporting or other personal consumer reports

This is very long story and I'm willing to share, however, after hundreds of efforts, my credit reports are only getting worse. I would like to sue all three credit reporting agencies so maybe they will listen to my complains in the court. Thank you