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

I am writing to file a complaint against Equifax, what kind of investigations they did because my last letter of disputed that I sent to Equifax, they were received on XX/XX/2018. 
The same way Equifax defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. Here is some credit report that I have received from Equifax are adding information, put fraud alerts manipulate the statements without the client asking for it. They are a violation of the right of us What they have is a game with my credit profile, I no longer tolerate what is happening I'm asking to Equifax to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, and I do not agree with the last letter I received, I recently saw my credit profile and I realized that, Equifax are violating my rights and reinserted accounts that have already been deleted and putting fraud alerts without my authorization anything even adding statement without I asking to put any statement. I never asked for any fraud alerts or any statement to add to my credit report. This is what XXXX  are posting in my credit profile. 
Bureau Message : THE FAIR CREDIT BILLING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, CFPB BULLETIN FAIR CREDIT REPORTING ACT I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNT ABOVE LISTED 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 Bureau Message : FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX. 
I hereby request that all fraud alert information or any type of statement be removed immediately. I never request for any fraud alert or statement. 
I am requesting your assistance in putting an end to this matter.
Product: Student loan

Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.
Product: Credit card

I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n't put me through to anyone to talk about it. I have NOT been notified of this change, I do n't know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone.
Product: Debt collection

On XX/XX/XXXX I obtained a summary copy of my credit report. In my discovery I came upon a collection account opened XX/XX/XXXX with National Credit System for {$3600.00}. I made an attempt to contact this agency ( XXXX ) and was told the account was forwarded over to Law Office of XXXX XXXX. ( XXXX ). The agent that answered immediately verified my name/address and proceeded to inform me that I owed this debt. I advised the agent that I never received a Validation Letter of the debt in question, the agent then verified my address ( without me providing any information ) and went on to say the letter was sent out already and I should check with my post office. I then asked could she provide me with a tracking number, the agent said it was sent regular mail. I reiterated that I never received anything to the address she confirmed, therefore Im disputing the debt. The agent told me it will say on my credit until its paid. I spoke with a gentleman that alleged he was a Supervisor but refused to provide me his name and extension unless I now verify my personal information. The alleged Supervisor was adamant that I provide my personal information. I informed the alleged Supervisor that made me feel suspicious since the previous agent verified my name and address when I called into ( XXXX ). The alleged Supervisor refused to answer and questions or provide me with any assistance even when I advised him FCRA specifically states Im entitled to verify the debt to make sure accuracy of debt, amounts and disposition. This derogatory mark has had a negative impact on my credit.
Product: Mortgage

I have written several RESPA letters to my loan servicing company : Fay Servicing. At first, they sent me a letter acknowledging the first letter is sent, few weeks after, I received a package letter from they lawyers, that was the incorrect response to my first RESPA letter. 
I sent 5 more RESPA letters since then, they again acknowledge one or I should say they they sent me one acknowledgment letter ... that is it.. up today ( XX/XX/XXXX ) did not get any responses. 
-First RESPA sent : XX/XX/XXXX. They got it XX/XX/XXXX - letter of acknowledgment : XX/XX/XXXX- incorrect responses : XX/XX/XXXX - second letter sent : XX/XX/XXXX-acknowledgment XX/XX/XXXX- respond date : none - letter # 3 & 4 : send XX/XX/XXXX : acknowledgment : none- responses : none - letter # 5 & 6 : sentXX/XX/XXXX. No acknowledgement- responses : none I have 3 more letter I wanted to send to them. Will send them the week of XX/XX/XXXX.

I need those responses in order to make the best decision to keep my apartment. I offer them to negotiate the rear of my mortgage, they dont want to negotiate.
Product: Credit reporting or other personal consumer reports

SELF FINANCIAL/LEAD BANK XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Request for Clarification on Charged-Off Debt and 1099-C Form Dear Self Financial, I am writing regarding the charged-off account with account number XXXX that appears on my credit report. According to my records, this debt was charged off on XX/XX/year>. However, I have not received a Form 1099-C, which is typically issued when a creditor cancels a debt of {$600.00} or more. 

As you are aware, the issuance of a 1099-C form is required by the IRS under certain circumstances when a debt is forgiven or canceled. The lack of such a form has caused confusion regarding the status of this account, including whether the debt has been officially canceled or is still considered outstanding. 

I respectfully request that you clarify the following : The status of the charged-off debt : Is it still being pursued for collection, or has it been canceled? 
1099-C issuance : If the debt has been canceled, when can I expect to receive the Form 1099-C for tax purposes? Collection efforts : If the debt is still being pursued, please provide details of any current collection activities o
r the name and contact information of any collection agency involved.

I kindly ask for your response in writing within 30 days of the date of this letter. Please send your reply to the address listed above.

Thank you for your prompt attention to this matter. 

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

{$XXXX} XXXX XXXX XXXX XXXX account open collections {$XXXX} XXXX XXXX account XXXX and collections {$XXXXXXXX XXXX XXXX account open and collections {$XXXX} XXXX  XXXX  XXXX in collections account open {$XXXX} XXXX  XXXX  XXXX  in collections account open I need these items removed from off of my credit reporting under Section 605b
Product: Credit reporting, credit repair services, or other personal consumer reports

You can not cancel the service. Which locks you out of other services.
Product: Credit reporting or other personal consumer reports

i HAVE ASKED eXPERIAN ON XX/XX/XXXX THAT I have reviewed my consumer report. I am in disbelief that I have been a victim of Identity theft. i have found numerous accounts that were not opened by me. this is hurting me and harming me. I am getting ready to purchase a house for my family. this is hurting us. please remove the fraudulent accounts from my consumer report as soon as possible.
Product: Credit reporting or other personal consumer reports

There are discrepancies on my credit report concerning 15 USC 1681c-2. Unauthorized hard inquiries are listed, and theyre harming my credit. I ask for these to be removed immediately.
Product: Money transfer, virtual currency, or money service

On Venmo, my daughter set up a new account so someone could transferred {$200.00} to her. When she tried to deposit in her account it said her bank wasn't supported after they had verified when she set up her account and it was fine. So, she tried to add her bank debit card and Venmo locked her account. She asked me to help so I went to their customer service chat and they told me she had violated their user agreement. I asked to escalate it and I received an email to send her driver 's license so she did. Then, I got an email to send a picture of her holding her driver 's license which she did. Then, she was told, " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. Thank you for reaching out to us. My name is XXXX and your case has been escalated to me for further review. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

The funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. '' She needs this money and has no intention of using this service after that.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.
Product: Credit card or prepaid card

Was charged tons of interest totaling {$110.00} on some purchases and I dont use my XXXX card that much. It dont make any sense at all. I would need to have this fix or credited to my account Or see a statements to see why this interest is too high I cant afford this
Product: Checking or savings account

Checking Account Ending XXXX On XX/XX/year>, I made an unsuccessful and a successful {$100.00} ATM withdrawal from Chase Bank ( Term ID : XXXX ) located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX I wasn't paying attention when I made the first attempt to withdraw the {$100.00} and so transaction timed out before I could grab the money from the XXXX on the bottom of the ATM machine. The money was therefore returned into the machine. I got a receipt saying " we can't complete your withdrawal right now. '' I tried again and was able to withdraw the {$100.00}. I checked my bank account later and found out that XXXX had charged me two {$100.00} withdrawals. I immediately called the bank and filed a claim. They mistakenly issued me two {$100.00} credits. I called the bank yesterday ( XX/XX/year> ) and notified them about the error. Instead of reversing one of the credits, I noticed this morning they have removed both {$100.00} credits. So, my account is back to square one i.e. the bank charging twice for {$100.00} withdrawals. I'm tired of calling the bank due to the long wait and all the verification you have to go through.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX2021. It's been over 40 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof so iaccounts should be block and removed. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you Block and remove the following accounts and send me my updated consumer report.
Product: Debt collection

I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late of this card. I called the operators are located in XXXX and nobody speaks XXXX.
Product: Mortgage

Company has misused my trust & attempted as a pre-requisite in response to a previous complaint to issue a XXXX Bank of America XXXX XXXX & XXXX attacked me to get me to have a " mortgage loan preapproval '' while refusing to show fees from account XXXX & previous savings account ending ( unknown ) I do not want a home mortgage loan & I don't want any loan from this bank, given the predatory nature I'm sick of the way it is doing business in an effort to XXXX consumers even more. 

This happened yesterday & the Bank of America failed to close account ending XXXX on XX/XX/XXXX in an effort to extort fees from oconsumer
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. 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. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These accounts do not belong to me. I have been disputing this for a while. I have attached my id theft report please delete these accounts. I am a single, struggling, middle class father. These accounts have caused me a lot of unnecessary hardship.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This problem might not get fixed, but at least I documented the issue. I already filed a complaint because for some reason, Apple would not process my application so that I could get a card. It took me submitting an application like 59 times just to get them to run my credit. I finally was able to get the card, once they ran my credit and have used it for well over a year. Sometimes less, because of other circumstances. I asked for a credit limit increase, and have been denied countless of times even though the info that they send me stating why indicates a score of 790-810. I was told in XXXX to use the card regularly for a month because if we dont automatically granXXXX an increase after 6-months, we usually do so after a year and because I didnt start using the card right away. I did so, and was told the same thing. I asked for them to perform an underwriting, which they agreed to do which might require them rerunning my credit, which I was informed about via email, but was told by a rep that they would not review it and there decision is final. As I tried to explain to the reps, if they did what they said they were going to do, a soft look would have told them that I have a card thats 4X the limit of the Apple Card, which is why I dont get the balance up high that often. Also, when I do go that high, it takes a month or so for my score to go back up because it results in a XXXX point hit to my score. I think they are picking on me because of my name and what my name means. So, them asking me to permanently lower my score to get a limit increase is biases, especially when I have mad more than the minimum payment and well before my due dates. From what I gather from searching the web, this isnt a common problem that I am experiencing. This is prejudice at its core and is something that the average XXXX customer isnt dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not recognize or authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 )  business daysso that I can verify its validity.