23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az. XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report.

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter.

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts.

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX - {$2500.00} OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The Credit reporting agencies Experian, XXXX, and XXXX gave out or sold my PERSONAL PRIVATE address which I ONLY UPDATED WITH THEM. 

NOBODY ELSE HAS THE ADDRESS and now, I am being harrassed by XXXX XXXX XXXX AT MY NEW ADDRESS. 

I WAS NEVER IN CONTRACT WITH XXXX XXXX XXXX NOR DO I WISH TO BE IN ANY CONTRACT WITH SAID COMPANY. 
THEY RECEIVED SEVERAL CEASE AND DESIST LETTERS AND I HAVE TOLD EXPERIAN, XXXX, AND XXXX AND THEY CONTINUE COLLUDE TO CAUSE ME HARM. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted. 

THE FRAUDULENT COLLECTION ACCOUNT FROM XXXX XXXX  NEEDS TO BE DELETED IMMEDIATELY. THERE IS NO NEED FOR YOU TO CONTACT THEM BECAUSE THEY HAVE NOTHING TO DO WITH THIS MATTER. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

I DO NOT CONSENT TO EXPERIAN, XXXX, XXXX SHARING MY INFORMATION WITH THIRD PARTIES.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan online and a guy called me back said he was from XXXX XXXX and I was approved for a loan and he asked me for my account info so the could send me the loan money I gave them by XXXX  bank info and he said that it wouldnt work use it wasnt a real bank I told them I only had XXXX  and they said since u dont have a bank account go ahead and go get me a prepaid card money card from XXXX with {$100.00} on it dont have to visit dont register give me the info and will send you the money so thats what I did. I accidentally activated it and registered it so they told me that it wouldnt work. They told me to go and get another {$200.00} with gift cards so I did. XXXX send the money. It was too late on Friday night Saturday morning came I called the company couldnt get a hold of him all day Saturday still couldnt get a hold of call on Monday. Still couldnt get a hold of them. Basically I sent them {$100.00} I spent {$100.00}. I spent {$200.00} in another {$200.00} total {$500.00} never received the loan I contacted you trying to get some help they never stop talking to me. Nothing about it so Im now contacting you to see if I can get help with a refund from the game from XXXX  and they denied it saying that they were never do that {$500.00} because I was out {$500.00}. I was young. I got from my apartment so theyre probably about {$500.00} and at least {$1000.00} so myself boyfriend our kids and myself can get back on my feet and stop living out of our car.
Product: Mortgage

My home equity loan was purchased by Specialized Loan Servicing in XX/XX/XXXX from XXXX XXXX XXXX. They, SLS, have sent me notices claiming that my account is delinquent. SLS has been debiting my payments from my bank account and they have all been on time with no returns. When I call SLS, they refuse to talk to me claiming that they can only talk to my spouse. My husband died in XX/XX/XXXX. This loan is in both our names listing me as co-borrower. Also, the will clearly states that I am bequeathed all of his portion of property, real and personal. As I said, when I call they refuse to talk to me and are extremely rude and evasive. One operator told me I needed to get a lawyer. Another told me that I needed to go to the courthouse. Bottom line is that they refused to talk to me even though the loan is in My Name and would not allow me to talk to anyone for resolution. 

So on XX/XX/XXXX I went to my bank with a friend as witness and they printed up my bank statement clearly showing that SLS had received all my payments. My bank contacted SLS and received the same stonewalling ... 
Then we went to XXXX XXXX XXXX and a bank officer spent 2 1/2 hours trying to contact SLS and to untangle this mess ... He was able to pull up and send to them all the paperwork regarding this loan which had originated with XXXX ... 
Original loan documents from XX/XX/XXXX, death certificate, my spouses will, my bank statement showing payments made to SLS, etc. 

SLS still continues to refuse me access and is now threatening me with foreclosure ... I am a senior citizen who is XXXX XXXX ... Their operators are rude and abusive ... I have often been left in tears ... .Since XX/XX/XXXX several others have heard this abuse as these call have been on speaker phone ...
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting unauthorized inquiries that I never authorized and I have previously disputed the inquiries in written and called Equifax on XX/XX/XXXX at approximately XXXX pm central time spoke with a rep and the representative made me verify before she took the call and I gave her all my Identifying factors and the issue still wasn't resolved. I've reached out to both the companies and the bureaus the Inquiries are reporting from and to Equifax and XXXX but they have failed to remove them from my credit report as they are hindering my credit scores and I want them removed as I did not authorize these Inquiries I never even been to these companies nor do I have an active account attached to these unauthorized Inquiries Neither company has responded to my previous letters that I have written to them besides XXXX, XXXX is accusing me of working with a credit repair company which I am not I just did my homework and researched everything I need to know about my rights when it comes to credit reports and XXXX stated they will not investigate the items I have found reporting inaccurately on my credit report. 

Equifax unauthorized Inquiries listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX unauthorized Inquiries listed below XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting

The following hard inquiries in my Transunion report were not approved by me please have credit reporting company delete. I sent multiple letters to credit company and they were not deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company should also delete these accounts as they are showing wrong after multiple letters were sent : XXXX XXXX XXXX
Product: Student loan

Navient calls me every day three time a day even after I have spoken to a representative and let them know I can not afford what they want to offer me right now. 

They call my co signer all day every day and have left him messages. We are divorced and he has a limited income as well, he can not afford payments. They do not leave me any messages and call me from different numbers. I had been working with an advocate by the name of XXXX XXXX XXXX and have asked her repeatedly to call me but she does not respond. I have asked representatives to connect me to her and some say the can not, some say she is not available and some have disconnected me. I can not afford to pay {$1300.00} a month and I am asking for some restructuring. I do not have the credit to refinance. My co signer does not have the money to make payments either. I am going to have to default on this debt in order for the interest to stop and so I can finally pay down this debt with am monthly amount that I can actually afford. 

I recently joined a XXXX XXXX for support with Student Loans and Navient. There are some folks on there who are being very rude to customers who are venting and asking for private loan advice. One person who I believe works for Navient is named XXXX XXXX. It is not okay for Navient workers to be be demeaning and abusive to customers who are just seeking support and advice. I have sent screen shots of these conversations to XXXX XXXX XXXX my advocate. The XXXX XXXX is called Navient XXXX XXXX XXXX. It is a public group with XXXX members. You will see some very rude comments from XXXX XXXX or also XXXX XXXX. This should not be allowed. 

In addition, I received in the mail a few pink padded bubble envelopes with the return address listed only as " XXXX XXXX on the return label ( not Navient ) and a return address of XXXX XXXX XXXX, XXXX XXXX XXXX but nothing indicating it was from Navient. I opened it up out of curiosity and there was a letter from Navient indicating " XXXX XXXX XXXX. '' I would have thrown that away normally not knowing that would have come from Navient. Would that not be classified as Deceptive? What is a XXXX XXXX partner? who is it? and won't I be working with collections. This letter is basically a threat to sue. Is that legal? when I am trying to seek help? I can not afford to make any payments until XX/XX/2024. Stop harassing me. 

I have also been told different stories about different programs from many different representatives. No one can assist me at this point. There needs to be programs for folks who are on their own or whose circumstances have changed in life for them to be able to afford their loan payments. I do not want to default but I have no choice for now. 

I am asking for them to cease and desist all the phone calls from different numbers four to five times a day, Leave a voicemail for me and to not contact any of my family members looking for me. They have my valid phone number and I have been speaking with and emailing representative regarding my account.
Product: Debt collection

I get repeated calls from Conns on a daily basis after the XXXX of the month. I have told them that I have lost my job and though I am late, they are always paid during the month. They start at XXXX and call my home, my cell and will continue to call even when I tell them I cant pay today. It is constant and it is harassment. The calls are over XXXX calls on both phones daily. Sometimes back to back within XXXX minutes on both phones.
Product: Mortgage

I have discovered and notified OneWest Bank pursuant to XXXX XXXX XXXX, that the Assignment of Mortgage on my loan was was robo-signed by serial robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. I also requested OneWest Bank to investigate pursuant to XXXX XXXX XXXX. OneWest Bank has failed to respond and acknowledge the robo-signed Assignment of Mortgage that they are attempting to use in a foreclosure proceeding.
Product: Mortgage

Since the latest large scale credit fraud breach, my credit report is filled with multiple credit inquiries that I have no knowledge of and I truly believe the inquiries are of a fraudulent nature.
Product: Checking or savings account

I have a checking account with Bank of America for 20 years. On this date, I had a bank balance of {$260.00}. 3 items were presented for payment, Item 1 was for XXXX, Item 2 was for {$75.00} and item 3 was for {$170.00}. Bank of America processed the {$270.00} item first which overdrew my account and then processed the {$170.00} and then the {$75.00} items which also created an overdrawn bank account. So, Bank of America charged me {$35.00} for each overdraft item or a total of {$100.00}. If they had processed the {$270.00} item last, then my account would have only been overdrawn once ( $ XXXX {$75.00} leaving {$180.00} and then processing the {$170.00} item leaving a balance of {$11.00} and finally processing the {$270.00} item which would overdraw my account ) This scenario would only cause 1 overdraft fee of {$35.00}. When I contacted the bank, they told me that the bank policy is that they process payments high to low. I said they should process low to high. The person told me she could not reverse the charges and when I asked to speak with a manager I was denied that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX I went into the banks branch to pay what was left of my auto loan. The amount payed was {$1800.00} for the principal payment and {$18.00} of interests for a grand total of {$1900.00}, even when the banks app showed that my balance was just {$1800.00}. I kept checking the banks app the following days to make sure that the balance was payed off. On XX/XX/XXXX the auto loan balance was {$0.00}. On XX/XX/XXXX I checked the online banking app and it said that the auto loan was 44 days late even though the balance was {$0.00}. The balance to this day XXXX, XXXX is still at {$0.00}. On XX/XX/XXXX the bank decided to report my auto loan as a " charge off '' making my credit score drop XXXX points. 

The bank was claiming that my auto loan was closed on XX/XX/XXXX and that I had payed only the 84 % of my loan. The bank never really reported this account. I have made various claims on XXXX XXXX and on XX/XX/XXXX a letter was received from the bank via mail which states " In response to your request, and after finalizing our investigation we have determined that your [ dispute ] proceeds, and therefore, the information in your credit history will be revised and updated. '' Post receiving the letter no resolution or update was made on the history of the loan. To this day my " account details '' on XXXX are shown as " paid profit and loss '' and on XXXX as " paid charge off ''.
Product: Credit reporting or other personal consumer reports

My credit report shows a derogatory mark that I don't recognize, and I've tried to dispute, but its still showing on my credit report.

National Account Sys O with a balance of {$5.00}, XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX I need this derogatory mark removed immediately or I will have to file legal actions against it. 

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

These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX one main XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
Product: Credit reporting or other personal consumer reports

Car credit finance XXXX Va. I had a car I paid all but XXXX  left it was in a accident a hit and run they filed claims on the insurance and still left me with the bill I have tried to have it disputed multiple time all it does it have a new date on the line in question
Product: Debt collection

I have been trying to clean my credit, I signed up for credit alerts with XXXX. A company by the name of XXXX shows up on my credit report. I never got a letter I never got a phone call and turns out this debt is over ten years old. I disputed it through XXXX dispute process and they have sided with this company. According to the FDCPA and FCRA both XXXX   and XXXX  are in violation of the law. I was supposed to be notified and given a chance to dispute this account. No notice was given, not to mention XXXX is not allowed to report anything over 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I was contacted by a company representing themselves as " XXXX XXXX '' regarding an apparent Paypal debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with Paypal as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX  report from Cavalry Portfolio Serv XXXX XXXX XXXX XXXX, AZ. Date XX/XX/2016. I did not authorize anyone from this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX