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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON THE FEDERAL TRADE COMMISSION FREE ANNUAL CREDIT REPORT WEBSITE. I HAVE VERIFIED MY IDENTITY USING THEIR TWO FACTOR AUTHENTICATION METHODS AND ONLINE QUESTIONS MANY TIMES AND HAVE ACCOUNTS WITH EACH BUREAU. I WAS PREVIOUSLY FOR THE PAST TEN MONTHS ALLOWED ACCESS WEEKLY TO MY ALL THREE BUREAU CREDIT REPORTS!!! I DEMAND IMMEDIATE ACCESS TO MY FREE FTC WEEKLY ONLINE CREDIT REPORT!! I AM NOT PAYING THE POSTAL MAIL TO OBTAIN A CREDIT REPORT WHICH COSTS ME MONEY!! EQUIFAX XXXX AND XXXX ARE VIOLATING THE LAW AND ARBITRILY NOT ALLOWING ME FREE ONLINE CREDIT REPORT ACCESS DESPITE SUCCESSFULLY ANSWERING IDENTITY QUESTIONS CORRECTLY!! XXXX YOUR MAIL IN FORMS!! IM NOT BEING INCONVENIENCED AND WAITING WEEKS FOR MY CREDIT REPORT I COULD GET NOW ONLINE. I NEED MY CREDIT REPORT NOW!!! I DEAMND IT ONLINE NOW!!! IM NOT PAYING POSTAL MAIL TO GET MY REPORT AND SENDING THE BUREAUS IDENTITY DOCUMENTS IN THE UNSECURE US POSTAL MAIL!! EQUIFAX XXXX AND XXXX, WHICH XXXX REPEATEDLY VIOLATES THE LAW BECUASE MY REPORTS ARE INACCUREATE, THUS PREVENTING ME FROM RECEIVING THEM!!
Product: Credit reporting

I was declined a job offer based on my consumer report and want to know why and how this had occurred. To my knowledge there should be nothing holding me back from getting employed based on what is in my consumer report.
Product: Credit card

In Mid XXXX I completed XXXX balance transfer requests utilizing Citi Bank XXXX transfer system on their App. Again I made XXXX separate transfers XXXX was for {$490.00} to pay my chase freedom credit card ending in # XXXX. This transaction went fine and posted on XX/XX/XXXX -The second balance transfer was for {$490.00} as well to my chase freedom unlimited card ending in # XXXX. This transaction went through on Citi side and posted on XX/XX/XXXX as well, however it was never credited to my chase freedom unlimited card I have made at least XXXX phone calls to both chase and Citi trying to get this resolved to no avail I believe this to be an error with citi banks balance transfer app. I took a picture with my phone and it automatically reads the card and inputs it. 

On XXXX of my many phone calls to citi they stated that the payment was sent to an account ending in XXXX ... .my card ends in XXXX I was promised repeatedly that it had already been fixed and that I would see a credit and to wait for it to hit my account... ..it has not. 

I have even receive a physical letter from citi stating in has been fixed ( which I have included in my documents ) it has not been fixed to date Why is this so complicated... this has to happen all the time. 
I have spent hours on the phone with no results
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notify that these accounts were in dispute plus these accounts violate the fcra and fdcpa. These accounts must be deleted immediately.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit reporting or other personal consumer reports

I sent my first letter to XXXX XXXX on XX/XX/year> that was delivered on XX/XX/year>, tracking number XXXX. Received a late stock response privacy notice that didn't address anything in my letter. Sent a second letter to XXXX XXXX on XX/XX/year> that was delivered on XX/XX/year>, tracking number XXXX. Again, I received another stock response privacy notice that didn't address anything in my letter and also received a stock response claiming to investigate but still refused to address anything in my letters, nor did XXXX XXXX provide proof of the investigation or their process of an investigation. XXXX XXXX 's unwillingness to cooperate and correct their violations of the law proves they are a corrupt, predatory, and fraudulent company. XXXX XXXX has failed to provide the documentation requested, and XXXX XXXX has unlawfully posted incorrect data and added an incorrect statement on my behalf. XXXX XXXX has failed to prove that these accounts are mine and/or that the debt is valid.
Product: Debt collection

So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent
Product: Credit card

Pay pal credit pulled my XXXX credit history without my authorization as I did not give them my FULL SSN #. And I was not realized that this is a credit card application as they do not have explicit language explaining that and that they will pull my credit history. And they bond the paypal credit application together with paypal account creation without having me notice that I am applying this paypal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 u.s.c 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 XXXX  XXXX XXXX # XXXX
Product: Credit card or prepaid card

XX/XX/XXXX purchased new windows + installation XXXX XX/XX/XXXX received installation. 

The installation team provided by XXXX XXXX damaged my ( new ) windows and house during installation. Note : No measurements were done day of installation to ensure windows would fit opening properly. 

Afterwards, I received minimal project team support, limited communication, no inspection results, no communication w/ project team XXXX regarding full refund, a broken window before it was even installed along with a damaged frame, wrong sized windows and honestly an overall horrible experience. 

The XXXX were all too small, they forced the to fit with a XXXX. Installers had to bend frames. They damaged bricks with excessive force to get old frame out, made excessive holes in new window frame with screws. XXXX XXXX XXXX holes open in multiple places, ripped apart security wires from old windows and pushed the open wire down the window holes w/o taping off, stuffed paper towels down brick hole to fix brick hole after, placed screws to low creating puncture holes for water to go down walls. XXXX measurements were not done correctly -- too short and were supposed to be custom & were match measurements of previous windows. Standing water not going out weep holes. Called HD multiple times in XXXX, XXXX and XX/XX/XXXX for resolution, but response limited and no resolution. 
Never received inspection report. XXXX did independent inspection and fixed damaged made by installation crew to house due to the fact that nobody from XXXX XXXX sent someone over to fix the damage. 
I bought my beautiful house in XXXX in XXXX and trusted XXXX XXXX with my investment. Request full refund.
Product: Debt collection

This letter is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under XXXX federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

As the uploaded image shows, I keep receiving letters from Equifax Consumer Services LLC addressed to multiple names which are not mine. To the best of my knowledge, I have had only one name since the day my parents named me at birth, it is XXXX XXXX XXXX XXXX. This is the name on my Driver License, passport, social security card, and other government identification documents. 

I have been returning these letters without opening them and have stated that I view them as a form of harassment. If those representing Equifax Consumer Services LLC intend to send me any communications they ought to use my name. 

I will restate, I view these letters sent by those representing Equifax Consumer Services LLC as a form of harassment and request that they stop sending such letters to my residence. 

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

These accounts are unauthorized and unverified accounts reporting on my credit report.These accounts were opened without my knowledge or authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a  notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF ED/XXXX XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid the taxes however Carrington Mortgage is showing it paid the taxes. XXXX XXXX XXXX stated Carrington Mortgage was sent back their check as the taxes were already paid yet it is showing a deduction on my tax form. I thought the issue was already addressed when I spoke to a representative ( I paid the insurance and taxes ) and Carrington told me there was confusion with the escrow account they fixed the issue however upon receiving the 1098 form ; the issue was not fixed. Also, a payment was made XX/XX/XXXX however the correct next payment, due date was not updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Bankruptcy Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 it explains to respect a consumers right to privacy and with fairness and impartiality. XXXX and XXXX are reporting agencies and I am considered the Consumer. I have a right to make sure none of my information is shared without my consent 15 USC 6801. It is the policy of the congress that financial institutions has an obligation to protect customers nonpublic personal information. In 15USC 1681 section 604 section 2 states all reasons an agency my furnish my information, only with written instructions and that was not done. This account is an adverse item they are reporting without my permission and that is against the law 15US code 1681s-2 ( a ) ( 1 ). Every consumer agency must maintain reasonable procedures to avoid violations. I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

The account reads : Infiniti : Charged off account with XXXX late payments in XXXX The account is not charged off. 
Infiniti received their full amount owed in XX/XX/XXXX. I received my Titles from Infiniti in XXXX of XXXX. 

Also, the vehicle was never repossessed. 

My father was the cosigner. XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was recently originated. The servicing was sold and transferred to Lakeview Loan Servicing. Within their disclosure process, upon transferring ( and in subsequent payment statements ), they have been showing a payoff statement fee of {$60.00}. This is a junk fee of the truest extent and should be considered an unfair and abusive charge under UDAAP.

I didn't choose them as a servicer, so I could not avoid this as an expense up front. There is a reasonable expectation that borrowers will refinance their loans during the life of the loan, in particular when rates are as high as they are. Thus, I was clear even during the originations process that I had planned to refinance the loan once the entirety of the process was completed. Once again, when you put these 2 items together, it is not reasonable that this is an avoidable fee given the line of work they are in. This is a true junk fee that should not be permitted to be charged. 

Most mortgage borrowers refinance their loan during the life of the loan. This is a common practice and borrowers should not be discouraged or prevented from doing this due to unfair fees being charged, of which, I'm sure have some level of discriminatory impact.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I find my self here again because Bank of America keep approving and denying my claims when they are clearly fraudulent transactions this is not making any sense Im XXXX because I could not pay my bills because this nano refuses to do the right thing because I will continue tomlalemky complaints until I am heard and treated fairly I want my money from this bank at once Im tired of this my card never made it tommenunt yo p now amd now Im dealing woo theyre XXXX i at least asked for the claim in the amount of XXXX to be fixed and I keep getting the run around before being approved I want my money today tomorrow now my complaint will pile until this is resolved I hate that I have to fight with a bank that chooses criminals over their own customers
Product: Credit reporting or other personal consumer reports

Hello. 
This debt collector did not provide me with proper depth validation for this allege debt. Please delete this from my Credit Report.
Product: Credit reporting or other personal consumer reports

Upon reviewing the Master Promissory Note ( MPN ) related to my XXXX loan account, I observed discrepancies that raise concerns regarding the reporting process. The FCRA mandates that a financial institution, in this case, the loan servicer, must clearly and conspicuously disclose to the consumer, in writing or electronic form, that nonpublic personal information may be disclosed to a third party. The MPN does acknowledge this disclosure concerning the reporting to credit bureaus. 

However, as stipulated in 15 USC 6802 ( b ) ( 1 ) ( b ), the consumer should be given the opportunity, before the initial disclosure, to direct that such information not be disclosed to a third party. Regrettably, I was not provided with the privilege to exercise this nondisclosure option, nor was there an explanation offered on how I, as the consumer, could opt out, as outlined in 15 USC 6802 ( b ) ( 1 ) ( c ). 

I have attached a redacted copy of the MPN as evidence of my claim. On page 7 of 10, under section 21 regarding consumer agency reporting, it is evident that the document mentions reporting to credit bureaus while deliberately omitting the fact that I, as the consumer, had the option not to have my information reported, as required by consumer protection laws. 

Considering these concerns and potential violations of the FCRA and 15 USC 6802, I request that you furnish me with a copy of the document demonstrating where and how I was given the opportunity to opt out of having my information disclosed without my written consent. 

I anticipate your prompt attention to this matter and a thorough investigation into the inaccuracies and omissions outlined in this letter. I trust that you will take the necessary steps to rectify the reported discrepancies in my credit file.
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B compels us to expunge any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccuracies regarding reporting, figures, and dates.