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

Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )
Product: Credit card or prepaid card

Application # XXXX My name is XXXX XXXX XXXX, I am the natural living women, I recently applied for a Credit card using Discovers Credit application and was shockingly denied... I am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ) .. when you ran my credit by using my credit card ( XXXX XXXX ), as we entered a consumer credit transaction that I initiated pursuant with FECO ( Fair Equal Credit Opportunity ), specifically, 15 USC 1602 ( i ) ( VIOLATION 1 ). At this time my social security card was used as a credit card to fill out an application. THE XXXX ( which your company participates in ) states I as a natural person that was created by GOD can not be denied credit on application, I have clearly been discriminated against character at the time of my denial, which is in accordance with 12 CFR 100.2 ( c ) ( i ). ( VIOLATION2. ) I noticed I was denied credit however proof we entered a consumer Credit transaction is on my credit report listed as an " inquiry '' or request for truth or information congress clearly states under 12 CFR 100.2 ( m ) ( VIOLATION 3 ), that a CREDIT TRANSACTION, means every aspect of an applicant 's dealings with a creditor regarding an application for credit including INFORMATION REQUEST, which is the exact " inquiry '' I received on my consumer credit report, as well as the report that your company sent, confirming they ran my consumer credit report to search for information pertaining to my request of an credit card with Discover. The credit card you used to extend credit to yourself, and notI as a natural person, was my social security card as congress states under 12 CFR 100.2 ( k ) ( VIOLATION4 ) that credit card means ANY card or plate, such as my social security CARD, congress clearly defined what a credit card is pursuant to 12 CFR 100.2 ( k ) ( VIOLATION5 ). I was not approved for a credit card as requested, as the natural person. Lastly, Congress states Nocredit card shall be issued except in response to a request, or application thereof " pursuant to 15 USC 1641. At this time, it is unlawful, impartial, and unethical that your company has denied me as a natural person for a credit card when it is CLEARLY AGAINST THEFEDERAL LAW. It is unfortunate I had to go through this unnecessary stress of being denied of credit based on a credit application!!! I am now demanding reconsideration and exercising my rights as a federally protected consumer, to be approved for a credit card with your company, based on the information of the Federal Equal Credit Opportunity Act which is stated above, of a credit card of {$25000.00}.
Product: Debt collection

ProCollect has been furnishing data to my consumer report and I never gave them consent to do so. I do not owe ProCollect anything, I do not have any agreements with them and I need them to settle and remove the tradeline they have on my consumer report immediately. This is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They are using an extortionate means to collect on an alleged debt that I do not owe. I am disputing this and in order for ProCollect to collect it must provide the following : a document signed by me evidencing the debt or the opening of the account, a certified or otherwise properly authenticated photocopy of the original document, a chronological listing of the names of all prior owners of the debt and date of each transfer of ownership of the debt, beginning with the name of the original creditor and documentation of the identification and nature of the debt or account, including the name of the original creditor, the full name of the debtor as it appears on the original account, the last four digits of the social security number, the last four digits of the original account number and for the State of Maryland your collection agency license number, name appearing on the license and the date of issue of the license. Failure to provide this documentation means you are participating in illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I went into active duty-XXXX  status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via email from the company that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Ally Financial and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 10 months after the initial loan and car purchase ( XX/XX/XXXX ) before I was granted this account adjustment. However, too late before Ally reported on going payments as late and marked me in a delinquent status ( reported twice : XX/XX/XXXX and XX/XX/XXXX ). Furthermore, I did not receive notification on reimbursement of overpayment on this loan from the months prior given he applied rate adjustment according to SCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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 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 more than 7 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 or other personal consumer reports

I will never stop refilling complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  XXXX acct no. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively, has violated my rights. 15 USC 1681 section 602 A states : I have the right to privacy. 15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had these on my credit for several years and months. I never knew I could dispute because the creditors told me legally Im responsible. Now I know this isnt true these are not mines please delete XXXX XXXX XXXX Update My Account Action Sent XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX - ALL XX/XX/20 XXXX XXXX XXXX - CREDIT CARDS I was a victum of XXXX and was XXXX XXXX I was on the XXXX  for 3 days. I XXXX  and the car company never honored to update my account from late. I was not late I was XXXX. Please help me. I need to get all my affairs in order
Product: Credit reporting, credit repair services, or other personal consumer reports

I have INQUIRES that are reporting on my Equifax I do not recognize these Inquires XXXX. XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/2021 XXXX. XXXX XXXX XXXX ( date ) XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, certified letters were sent to Equifax and Transunion to request validation for an account on my credit report. The account in question on my credit report was XXXX XXXX opened on XX/XX/XXXX. The only response I ever received from Equifax and Transunion after these XXXX separate requests was a credit report that stated, " no change - verified account. '' This is unacceptable and in violation of the FCRA.

**Also, on all three of these certified letters, I requested Equifax and Transunion to remove all non-account holding inquiries more than XXXX  days old from my report. Once again, my repeated requests went unanswered and unresolved. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit bureau disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted from my credit report within 30 days of my initial request under section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Student loan

Dear Sir or Madam : This is in regards to Late payments, XXXX XXXX, FedLoan Servicing, Account # XXXX Attached are copies of documents to show that there was in fact a mistake made with my billing with the FedLoan servicing. The first document is a copy of the EFT application for direct debit. The date clearly states that on XXXX/XXXX/XXXX the EFT was put into effect. The second document states that my forbearance just ended and payment should have commenced upon the ending of my forbearance. The dates for the forbearance was XXXX XXXX, XXXX for three months. This would take care of XXXX, XXXX & XXXX payments. The third document shows a direct debit extraction reminder. The date on that is, XXXX, XXXX XXXX. My payments should have not stopped with the direct debit. These documents show that I, in fact, never missed a payment during the dates listed above. Somewhere there was a simple mistake that needs to be cleared up but seems nearly impossible. In the past, I have disputed these mistakes multiple times with all credit bureaus and FedLoan themselves. Nothing was done to fix the error. All I am asking for is a little latitude while this matter is being attended too. As you can see by my previous track record with FedLoan, I have never missed a payment prior to or after the dates stated above. I have never missed a payment on my first car loan through XXXX. I have never missed a payment on my second car loan through XXXX. My credit is in good standing. I am a responsible XXXX year old young man. I run my own small business in XXXX, Az. All I am asking for is a little help to clear this mistake up. Thank you!
Product: Checking or savings account

On XX/XX/2022 an unknown person in XXXX XXXX SC opened a checking account and savings account using my personal information including, the following : Government name Address Cellular Email address SSN Both accounts were closed today XX/XX/2022, the bank called me to check on the accounts that said were opened. I explained I didn't open or authorize either account. I went directly to the bank to prove my identity to close the accounts that were opened in my name without my permission.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I written 2 certified letters to resolve the situation of inaccurate information reported. The tracking numbers for both are XXXX and XXXX. I requested the original contracts on the said debt and havent received anything. The amounts of the debts are {$510.00} and {$470.00}. 
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit card or prepaid card

Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Citibank didn't have any additional payment options for my account. Most of the representatives that I spoke ( online chat ) to were deceitful in attempting to get me to agree to a payment option with the understanding that I didn't have the income to pay the full amount. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay $ XXXX monthly for both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit card or prepaid card

I disputed a charge with CapitalOne and spent considerable time pulling information and sending it but I think the outcome highlight their strategy of using paper forms and the mail service versus an online form since mysteriously our package was not received ( lost in the mail ). I believe their actions should be investigated for a violation of the Fair Credit Billing Act.

The issue was very straightforward as we paid for good that were supposed to ship in 30 days and that was something like 4 or 5 months ago now ( I don't have the paperwork in front of me ). On top of that, the company essentially refused to resolve issues with the products so this dispute was very clear cut but yet obviously CapitalOne didn't want to address it probably to not make waves with XXXX whom I sure they 'earn ' huge fees from ... 

Capital One needs to realize that the only reason use credit cards is for the protection it provides, we could just as easily link to our bank account for most payments ... 

Case No. : XXXX
Product: Mortgage

My name is XXXX XXXX. I have had issues with Shellpoint Mtg Services over the past 3 years. They were formerly Resurgent Mtg Services under New Penn Financial. On XXXX XXXX a Reconveyance/Release of Mortgage was recorded in my name by a XXXX XXXX company hired by Shellpoint. I was told it was true and no further action was required. In XXXX, 2016, Shellpoint called me and asked me where was my payment. I told them that I received the Reconveyance/ Release of Mortgage. They stated that they did not know anything about this. I contacted my reps at HUD locally and CA. Oversight Dept, and did receive any official support from them. I later received a notice from Shellpoint that it was an " Error '' on their part, and to reapply for a new loan modification because of the missed payments due to their error. Attached is my response due to their error of negligence, misrepresentation, breach of contract, breach of fiduciary relationship. At present, I do not have money for a lawyer. I am hoping that Shellpoint can be looked at for their bad financial practices. 
Thank you for your prompt attention on this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate the actions made by the XXXX, Equifax and XXXX Credit Bureaus. But there were still many items that I needed the respective credit bureaus to remove from my XXXX credit reports. Here are the list of items that I need the Credit Bureaus to remove. I am humbly seeking the help from CFPB to make sure that these items below are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX ( Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove this late payment and update this account immediately as you are in Direct violation of several laws under The Fair Credit Reporting Act.