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

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with XXXX XXXX  and/or XXXX XXXX, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with XXXX XXXX  and/or XXXX XXXX : I have personally engaged the US Bankruptcy Court for the XXXX XXXX of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to XXXX XXXX to confirm the original contract a. ) can not be located b. ) XXXX XXXX no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

There is inaccurate personal information on my credit report, including incorrect addresses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent via certified mail a copy of my FTC Identity Theft Report, Identity Theft Victims Complaint and Affidavit, proof of my identity, and a letter requesting the immediate blocking and removal of fraudulent inquiries to Equifax. Despite my compliance with all requirements under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], Equifax has XXXX to remove the fraudulent inquiries as mandated by law. 

Under FCRA Section 605B, a consumer reporting agency is required to block the reporting of information that results from identity theft within XXXX business days of receiving proper documentation, including an identity theft report and proof of identity. XXXX refusal to comply with this legal obligation is a direct violation of federal law.
Product: Debt collection

I am requesting for this inquiry. I did not authorize this company to run my credit. I'm not liable for this debt with XXXX XXXX XXXX. I demand this be removed from my credit report.
Product: Money transfer, virtual currency, or money service

My payment from Equifax hasn't come in and I asked for another code as well I don't get a responds. Is there a way to get a losn??
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the following negative accounts reported by your respective credit bureaus. Despite providing sufficient time for investigation, these accounts remain unverified and inaccurately reported on my credit file.
Product: Debt collection

Received a new filed debt collection from XXXX, for XXXX XXXX {$290.00}. 
There were 2 previous companies that filed this same debt. The 2 previous debts were also disputed and the companies withdrew.

This is not my debt. I have never used XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letters about 45 days ago with the results of verified XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my report and I have taken the correct measures to dispute the item but it still remains on my report. I initially disputed a debt with GCS ( Global Credit Solutions ) back in XXXX and have proof they received my letter on XX/XX/2020. I waited 60 days before sending a follow up letter on XX/XX/2020. The address provided by the debt collector on my credit report however is incorrect. The letter was forwarded to the correct address. This inaccurate information has really hindered my ability to dispute this item. Also the balance and status is incorrect. The original debt was only {$360.00} not {$3600.00} and has since been paid to the original creditor. I am asking that this incorrect information please be removed from my report.
Product: Debt collection

I bought furniture from a company that is no longer in business and I defaulted on the loan. I need a co-signer and my daughter agreed. We both signed the contract. My daughter was sued and paid the judgment. The creditor ( XXXX XXXX XXXX ) was paid. Now, the information is in my name alone and her name alone instead of the one contract. The contract shows the exact furniture in both our names, the exact date and time. The company is now garnishing my check ; I was never served for court to defend myself. I sent the satisfaction of judgement when my daughter was sued. I received a satisfaction of judgement from XXXX XXXX XXXX for Pharus Funding and I was told by XXXX XXXX that he would return any money taken but the satisfaction of judgement was supposed to have sent a stop garnishment to my employer but they didnt receive it. I never gave anyone permission to access my credit report. This account has been satisfied and now these companies are stealing my hard earned money. Thank you for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Net credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are inquiries on my credit report that didnt consent too. I would like them removed.
Product: Student loan

I opened loans with Sallie Mae from XXXX. Once I graduated from my University, I called Sallie Mae to discuss payment options and matching my loans to my current salary. Sallie Mae proceeded to tell me, my loans were private and there was nothing that can be done to match my loan payments with my salary, which was news to me, as I thought my loans were federal not private. At the time my loans were more than my bi-weekly salary.I did my best to make my payments, and always attempted to make them on time no matter what situation I was placed in. Sallie Mae again, told me there was nothing we can do. Every year I called Sallie Mae to continue to work with their loan company so I can fulfill my payments on a timely manner. After I had called multiple times, the option Sallie Mae provided me was to do a deferment for 6 months until I could save up to make my payments. The following year, around XXXX, Sallie Mae suggested I go into forbearance and that I could do so for 1 year. Each time, I asked if there was a way to reduce my payments or refinance them so I can make my payments and I was told repeatedly no. With that, I listened and went into the year long forbearance, and was not told the impact these would have on my credit and my financial needs and how it would further my debt, as now I have {$110000.00} of private student debt with Sallie Mae and I am unable to qualify for any repayment options or refinancing. I even called this year, and they still tell me there is nothing I can do. I am a single individual who has been trying to do the right thing, and due to the guidance Sallie Mae has provided and not being upfront in-regards to the loans i applied for being private and directing me in the wrong direction, as well as not willing to work with me from the moment I graduated, they provided poor direction and guidance which has furthered me into more debt. From reading the guidelines of the XXXX XXXX XXXX, I fall under the descriptions that have been filed with this lawsuit and should be eligible for my private student loans to be waved. I would greatly appreciate you can consider me as one of the qualified individuals. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

INSURANCE WAS CANCELED DO TO INACCURATE INFORMATION THAT IS PROVIDED BY XXXX XXXX. THERE ARE XXXX INCIDENTS THAT THEY ARE REPORTING AND NONE OF THE INCIDENTS OR ACCIDENTS I WASNT INVOLVED IN, I REACHED OUT TO THEM AND THEY STATED THIS MATTER WILL GET CORRECTED AND NEVER DID. THE VEHICLE THAT WAS INVOLVED IN THESE INCIDENTS WAS SOLD AND PERSONS NEVER REGISTERED THE CARS THEY PURCHASED IN THEIR NAMES AND I INFORMED XXXX XXXX OF THIS AND TOLD THEM TO VERIFY DRIVER LICENSE NUMBER AND ADDRESSES OF POLICE REPORTS AND THEY NEVER DID. I HAVENT HAD BUT ONE ACCIDENT AND THAT WAS ON XX/XX/year> AND THAT ONE IS BEEN HANDLE IN COURT AS NOT AT FAULT. THEIR ARE XXXX REAR END INCIDENTS THEY ARE REPORTING I WASNT INVOLVED IN, XXXX INCOMPLETE INCIDENTS I WASNT INVOLVED IN. A FAILURE TO YELD I WASNT INVOLVED IN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan  I, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

There are several unauthorized hard inquiries and XXXX collections that does not belong to me on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION AND XXXX FAILED TO PROPERLY PROCESS MY DISPUTE ON THESE ACCOUNTS. 
XXXX XXXX HAS FALSELY REPORTED TWO ACCOUNTS ON MY XXXX, XXXX AND TRANSUNION CREDIT REPORT WITHOUT PROPERLY NOTIFYING ME AT THE CORRECT ADDRESS OR WITHOUT PROPERLY GIVING ME DEBT VALIDATION. I SENT A TOTAL OF 6 LETTERS WITHIN A TOTAL OF 3 MONTHS BACK-TO-BACK AND TO NO AVAIL NO RESPONSE BACK TO ME. MY FDCPA AND FCRA RIGHTS HAVE BEEN VIOLATED AND I WANT THESE ACCOUNTS DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Drivetime/XXXX  and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Drivetime/XXXX ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( Drivetime/XXXX ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By Drivetime/XXXX reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. I have reached out to DrivetimeXXXX to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.
Product: Student loan

I have been in repayment since XX/XX/XXXX for 2 of my federal loans and since XX/XX/XXXX for another 2 of my federal loans. This is confirmed by NSLDS database. I have never re-consolidated my loans since then as I have been pursuing PSLF. I have been in an XXXX XXXX ( XXXX ) XXXX since XX/XX/XXXX until present. The loans were initially serviced by XXXX and once the federal government contracted with Fedloans then it was automatically transferred to them. Appropriate Employment Certification Form ( ECF ) have already been uploaded on Fedloan 's website for months. 

I have always had my loan payments on autopay and never requested to be in forbearance. 

Multiple payments that should have counted towards my PSLF have been marked ineligible incorrectly. I spoke to Fedloans and they agreed. However, told me it would take " several months '' to have this reviewed and corrected. As Fedloans will no longer be the loan servicer in XXXX, I would like to resolve this and have an expedited review of my eligible payments. 

Below are the payment dates that are incorrectly deemed ineligible : Loans Period Due Date Amount Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what documents, if any, is required for your review.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was terminated from employment due to false information on my background check.