23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Identity Theft Report Account Fraud Notification Dear EQUIFAX, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX  ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : 1. Close or freeze the account to prevent further unauthorized activity.

2. Remove any negative information related to this account from my credit report. 
3. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission ( FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below.

Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

Received a letter from XXXX XXXX XXXX about an outstanding debt from XXXX. I do not order anything from XXXX. This debt collection is fraudulent. A simple XXXX search shows many law suits against this company for fraudulent debt collection under the same or similar names but different headquarter addresses. I can not reach them. Ive left hundreds of messages but nobody returns my calls. They are unreachable by any other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. In XX/XX/2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX and XXXX Bankruptcy without my Authorization. Please note XXXX has Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Truck was in an accident in XX/XX/2020. XXXX XXXX took 3 months to finally say the car was a total loss. I asked them numerous times if they were in contact with keybank who held the note on the truck. They assured me that they were and my credit would not be affected. I now have missed payments on my credit report and my score has dropped 100 points from over a 700 to barely 600. This issue is still not resolved and is affecting my finances. It is still on my report that account is still active when i have a paper from XXXX  saying its a total loss and is being paid off. Neither XXXX  or keybank will help me in anyway. My next step is to take legal action
Product: Debt collection

Cooling and Winter neglected to seize collection activities on a debt that was disputed. ( See attachments per the FDCPA ) amongst other illegal practices. Mainly once I notified them that the debt was disputed the continued with collecting on a debt and today makes 60 days since since I first requested verification of the debt USING THE FDCPA letter on their website. To date I have NOT received the requested documents to validate for the debt. Also its clear you typed up that letter because I informed the CFPB that I never received notice. If your claiming I did then where is my signature from the certified letter. Again, you NEVER sent notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON XXXX  XXXX XXXX  XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Equifax XX/XX/XXXX regarding creditor XXXX XXXX XXXX XXXX falsely, fraudulently, and inaccurately reporting accounts included in Chapter XXXX Bankruptcy filed XX/XX/XXXX. Received Dispute results back and Problem has not been resolved creditor continues falsely reporting account information, altering its address on my other credit files, and reporting false information regarding account ; in addition keeps adding fraudulent payment history for XX/XX/XXXX and XX/XX/XXXX on my XXXX   Credit File. Filed a Final Notice to creditor XXXX XXXX ( 10 ) day in which Creditor left dispute letter unclaimed. In addition filed additional dispute and supporting documents letter and a Final Notice to the Credit Bureau Equifax. Consumer has also requested the removal of all Fraudulent, False, and Inaccurate information regarding account with XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a report with the FTC. This took place XX/XX/22 and i did not give authorization according to 15 U.S. Code 1681b ( permissible purpose ) for my credit information to be furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that the law gives me protection as a consumer against false information being simply reported on my credit report has been disregarded by the credit bureaus. I would like to make one last request for analysis before I meet with my own legal counsel so that I may understand how to handle erroneous and unverified materials that are now being regarded as true. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaux to confirm these accounts ( A ). It is prohibited to reject these reporting accounts as unreliable information within the legally allowed time frame without providing any rationale. The following accounts are shown on my credit report as needing enquiry and adjustment because of erroneous reporting : XXXX FL XXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/LENDINGCLUB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a charged off on an account in then amount of {$4200.00} effective XX/XX/year> and as a consumer I should have received a 1099. According to 15 USC 1611, it is unlawful to mislead or deny an individual 's access to credit based on false information. My treatment of my application used to create a security in the amount and denial ones own credit may constitute a violation under this provision, potentially resulting in a denial and charge off on erroneous grounds. Also, according to 15 USC 1681 ( b ) Permissible purpose of a consumer report, did not have my written consent to report my Information, and the it not lack accuracy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} Account dates or inaccurate and Amount is inaccurate! Account is closed!!!
Product: Credit card or prepaid card

I had Lowes come to my home to measure for carpeting install. The estimator observed and measured the areas of my living room and stairways that we were looking to replace carpeting. He observed the contents of the rooms and the fact that a medical stairlift was in place on the stairway. He advised that the installers would move the furniture and " work around '' the stair lift brackets. The carpeting was ordered and a deposit of approximately {$2000.00} was required. I made the payment and placed the order. Once the carpeting was " in '' I was contacted by Lowes to schedule the install. The date was agreed and the installers arrived at the scheduled time. 

Upon arrival the installers observed the stairlift and living room furniture. They advised that they would not be able to complete the install until the lift was removed and the furniture was removed. I explained that I am XXXX years old and in no condition to move furniture and that the estimator was aware of the contents of the room and indicated the installers would take care of " everything. '' After several minutes of discussions, the installers left and took the carpeting with them. I attempted to follow up with Lowes via phone and driving to the store in person. After repeated failed attempts, I submitted a dispute with XXXX  XXXX XXXX. After 40 days, I am still awaiting my statement credit and refund. Lowes has reluctantly offered to come back with a different crew of installers. As an elderly person who was verbally harassed by the first crew, I am not comfortable allowing anyone from Lowes into my home. I have requested a refund as it was Lowes who walked out of my home without installing any carpeting. Once they " quit '' and walked out, I am no longer a customer. I expect XXXX  XXXX XXXX to resolve this dispute and unfortunately getting a live person or any material updates is impossible. I am seeking my refund due immediately. I will be filing a complaint with the XXXX  and AG office for state of Pennsylvania.
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE 5 ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH XXXX  0F XXXX. 

I DID NOT OPEN OR AUTHORIZE XXXX XXXX TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY 3RD FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- XXXX IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, Equifax and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, Equifax and XXXX  continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, Equifax and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> a hard inquiry appeared on my credit report for a XXXX credit card from XXXX XXXX I did not apply for this card. I havent stepped foot in a XXXX for years and dont even own a home. Need this removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the payment remarks that is very inaccurate. 
For XXXX, right after late 90 days its late 150 days and also it is not similar to the remarks of the other credit bureaus. Though I don't believe that I was ever late on this account. I am asking the for documents to prove it. 

XXXX 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  150 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  OK 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is believed to have been accessed in the Equifax breach, the timing also lines up with when I had XXXX fraudulent charges on my card across the company.
Product: Student loan

Subject : Complaint Against Navient for Steering into Forbearance and Regulatory Violations Description : I am writing to file a complaint against Navient regarding their handling of my student loans. I believe I fall under the circumstances outlined in the recent CFPB order against the company. 

1. Steering into Forbearance : On several occasions, I was advised by Navient representatives to place my loans into forbearance instead of being informed about more affordable repayment options, such as income-driven repayment plans. This guidance has resulted in my loans accruing interest during periods when I could have been making manageable payments, leading to increased overall debt.

2. Regulatory Violations : I am aware of Navients history of violations of various financial laws, which have resulted in significant penalties from regulatory bodies. Their past actions, including steering borrowers away from beneficial repayment options, have not only harmed my financial situation but also seem to violate consumer protection laws. 

Given these circumstances, I respectfully request that my complaint be investigated, and I seek any available remedies or redress as outlined in the CFPBs order against Navient. 

Thank you for your attention to this matter.
Product: Debt collection

I have 2 previous complaints about this company harassing me.

They still will not stop. I contacted an attorney and sent them a cease and desist letter. Im in the process of filing a lawsuit.

It started with emails. I was receiving emails for an account that was not mine. I emailed them back, I filed a complaint here. Im filing the complaint here the company received my phone number and address and have been harassing me and any people who come to my home since. I filed another complaint about this expecting it to stop, it has not. On XX/XX/2023 and agent attempting to serve court papers to a person whom does not live at my address beat on my door so hard that it broke the hinges. My home has become terrifying for me to live in, with the constant threats and harassment. This company will not stop harassment of THE WRONG PERSON. I am now asking for XXXX XXXX as compensation for emotional distress, damage of personal property, defamation of character invasion on privacy, loss of sleep and income. Making my home unsafe for me to occupy as I can no longer lock my dead bolt as they broke my door. Emotional distress and an hourly wage for trying to resolve this, trespassing and refusal to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried opting out of Innovis on their opt out page. I tried 6 times online but they don't allow " XXXX '' in the social security number section. Myself, as well as probably others, do have " XXXX '' included in their number. So I tried the only other method of opting out which was over the phone. No matter how many times I said my street name it couldn't understand the number XXXX and it doesn't allow you to enter it on the keypad, which would make so much more sense. So now there's no way for me to opt out. I think this is fraud or their webpage and telephone service is broken. I want to be opted out, and this company makes it impossible.