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

Equifax is begging to be in Federal Court and to pay {$1000.00} for every instance in which I was denied credit because of their antics. I was denied on XX/XX/2024 because my score was report erroneously to my credit union and again today on XX/XX/2024. Equifax recently confirmed to CFPB that information was corrected and reported a credit score of XXXX. They then knowingly, willfully, and maliciously reported a score of XXXX, despite reporting to me a score of XXXX. ( The credit union confirmed the score returned from Equifax is XXXX and they do not use an internal credit modeling system. I can obtain the records by subpoena ). I called and spoke with a Loan Department Manager and questioned if they had received any remarks stating my identity verification was pending as suggested by the CSR at Equifax, who stated that my score that I can see, is the same score they would see ; therefore, perhaps the remark was the reason. It wasn't the remark. It was the low score they reported. I'm tired of coming to CFPB about this agency. Please do something. Please.
Product: Credit card or prepaid card

Around the week of XX/XX/XXXX, Comenity 's website did not allow me to login to view transactions or statements. On XX/XX/XXXX, their website went completely down and my credit card no longer works. 

It is XX/XX/XXXX and the phone lines for Comenity are shut down, you can only email them by logging into your account ( which is not possible with the website being down ). 

Comenity CAN NOT be reached AT ALL. Their services stopped working with no return of service date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX  and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.
Product: Credit reporting or other personal consumer reports

I requested to have all addresses except my current address removed due to the fact that none of the old addresses are connected to current accounts and the old addresses are unmailable addresses. CSR stated they had been deleted ; however they are still listed on my current report
Product: Mortgage

Please see the attached Notice of Foreclosure and a document titled " Outline of Events Surrounding Unjust Foreclosure Proceedings Against XXXX XXXX and XXXX XXXX XXXX '' along with the various exhibits.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Capital One employees purchase a consumer report from a consumer reporting agency without my written authorization or consent. In purchasing this report from this particular consumer consumer reporting agency called XXXX XXXX XXXX, Capital One employees willfully deprived me from opening a checking account by denying the completed application which proves a pattern of using discriminatory practices to deprive and steal from applicants. Such corporate tyranny also constitutes extortion of credits and restraint on trade of contracts to benefit only Capital One and not the real time investor who invests actual cash value to Capital One through applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These accounts shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, how is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Checking or savings account

THE FINANCIAL INSTITUTION GAVE ACCES TO MY MONEY A THIRD PARTY WITH OUT MY CONSENT ANF ACCES TO MY HUSBANDS TAX REFUND CHECK AND THEY ARE REFUSING TO GIVE ACCES TO MY MONEY, THEY REFUSE TO LET ME TALK TO SOMEONE IGHER THAN A GUY NAME XXXX WHO IS VERY RUDE AND AND WHEN I ASKED TO TALK TO SOMEONE HIGHER HE REFUSED TO ALLOW ME TO DO SO. IAM BEGINNIG TO FEEL THAT I AM BEING DISCRIMINATED AGAINST THE FACT THAT I AM A FEMALE XXXX WOMAN
Product: Debt collection

I tried to verify debt and said I disputed that debt. XXXX, I think his last name was XXXX  he said. Stated they didnt have to verify the debt. I stated that under the ADA law I disputed and he said they were past that. I asked if they had sent me a letter and he states they had not.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payment XX/XX/XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute a late payment reported for XX/XX/XXXX on my credit file. The account in question is with XXXX XXXX XXXX XXXX and the payment has been incorrectly marked as late with both XXXX and XXXX. 
Upon reviewing my credit reports, I found that the payment for XX/XX/XXXX was correctly reported as on time with Equifax. This discrepancy between the reporting agencies indicates an error that needs to be corrected. As such, I request that the late payment be removed from my credit reports with XXXX and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and under 15 U.S.C. 1681e ( b ), furnishers and credit reporting agencies are required to ensure the accuracy of the data they report. Given that Equifax shows the payment was made on time, it appears the negative marks with XXXX and XXXX are inaccurate. 
I kindly ask that the XXXX XXXX XXXX XXXX conduct a thorough investigation and provide confirmation that the late payment reported to XXXX and XXXX was reported in error. In accordance with the FCRA, please remove the late payment and correct any inaccuracies associated with this account.

I would appreciate written confirmation once the necessary corrections have been made. If further documentation is needed, including my Equifax statement showing the payment was made on time, please let me know.

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue.
Product: Student loan

The XXXX dollar corporation Navient Corp. has used confusion, misdirection, and other tactics to make it more difficult for me when repaying my student loans, including but not limited to : 1 ) making it more difficult for me to lower my payments using misdirection and other false information 2 ) cheated me, a struggling borrower ( AND graduate student ), out of a reasonable way to make affordable payments 3 ) Used tactics like transfers, multiple confusing tellers and customer service representatives, and other highly nefarious business practices to increase my interest payments making it seemingly impossible to catch up on paying the principal balance. 

Through constantly switching me from program-to-program, deadline to deadline, and making it as difficult as possible to keep up with deadlines, dates, and other unreasonable business practices this company has a valuation of XXXX dollars in assets. My wife and I take in less than {$50000.00} a year collectively before taxes and expenses. As graduate students it is unreasonable that this company would push so hard and take advantage of our situation when we are somewhat forced to continue training ( schooling ) in order to secure jobs that pay a reasonable way to meet the demands of our currently unforgiving economy and job market. Please do something about this company and put and make an example of a company that simply ca n't have enough funds and assets. Where does it end? XXXX? {$180.00}? Why not XXXX? XXXX? $ XXXX? Please help, I can barely afford to repay loans that deceptively were pitched to me as leading to an education that would ( could possibly.. ) provide me with a secure job and now there are n't any. Hence the plea for help.
Product: Student loan

Hello, I have XXXX private student loans through Navient and XXXX out of the XXXX are showing past due dates from date ranges of XXXX with past due amounts. The reason for this is I went into forbearance and they never processed this the first time around and instead of fixing the problem then kept charging me. Due to the lawsuit made against Navient on the XXXX of XXXX I feel this negative marks on my credit report should be removed. Navient is unfair and unwilling to work with any of its customers. 

I do not have any documentation, but was in a recorded line.
Product: Credit reporting or other personal consumer reports

Im writing because of a dispute I sent to chex systems on XX/XX/XXXX in regards to an account with XXXX XXXX XXXXXXXX they are reporting and they did an investigation and claim the Financial institution verified the account. In my dispute i asked them to provide me with whatever documents that they received or phone number and name of person they spoke to to verify this account. I also needed the documents like any documentation that could verify that the " suspected fraudulant activity '' was done by me which Chex systems have not provided.This is a horrible claim to put on my profile. they are violating my consumer right and because of their inaccurate reporting im unable to open a bank account that is not right and I demand they delete this misleading false information. I have attached the letters that was sent out tot chex system for my dispute please see attachments section.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit grantor 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report. 

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further violates the FCRA. 

Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid contract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting.

Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately.

Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the investigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report.

Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses doesnt belong to me please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX  out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX BOX XXXX XXXX, ND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
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, the 3 credit bureaus 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. Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Debt collection

you are engaging in identity theft, and you are engaged in illegal debt collection action, both actions have been reported to the federal government, the federal trade commission and CFPB, and you are to cease and desist, terminate any and all collection actions and transferring to third parties anything that is my personal information, further. Until you contact me with the proper sworn information or contact the government regarding the pending cases. You are in violation of federal, criminal and civil law, so act accordingly. Please reference that a new updated deed has been recorded, do not interfere with any property rights further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus to investigate every piece of information on the account I listed also They responded back as verified belonging to me, Not taking ID theft seriousrly According to the FRCA the term investigate consumer report means " a consumer report or portion thereof in which information on the consumer 's character general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of their consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law and by the law " also every piece of information on this account are still reporting 100 % accurate and according to FRCA rule 15 UCS 1681 everything has to be 100 % accurate. Which is not that case here. 
Kindly see attached reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX XXXX {$0.00}
Product: Debt collection

I had intentions to build my credit with this credit card but I lost my job and couldn't make my payments. The credit card debt is hurting my credit report. Debt collectors are calling me but I'm unable to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my XXXX credit Report
Product: Credit reporting or other personal consumer reports

I've been the victim of identity theft. My likeness has been used to open bank accounts loans, credit cards, and apartment leases. Consequently, I've filed a police report and identity theft report and the accounts are currently involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravers ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. According to my credit report, the accounts are all follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have just noticed XXXX hard inquires on my XXXX account I did not authorize and is NOT accurate. It has been disputed with XXXX but they still remain in my Credit Report. 


Please remove these immediately and update my XXXX Report. 

Navy Federal Credit Union XX/XX/XXXX XX/XX/XXXX Listed XXXX on my report XXXXXXXX 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

Victim of Identity theft, please see attached report.