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

I have credit monitoring through XXXX and as part of that, my credit is always locked. I was under the impression that this locked my credit all around, but clearly I was mistaken. XXXX has made me aware of the following inquiries and underneath, you will see the actions I have taken. For the blocked inquiries, I have not taken any action. 

XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry by XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry from XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX  got a copy of my XXXX Credit Report -I have called XXXX XXXX, they said an application was put in for a XXXX XXXX on XX/XX/year> and they marked the application as fraudulent and passed it onto their fraud department, they would not send me a letter of deletion to have this removed from my credit. 
-I called XXXX and put a freeze ( they said this would take 24 hours, so if another one happens today, that will be problematic ) on my credit report and put a fraud notice on my credit for 1 year. Conf # XXXX They refused to help in any other way like communication with the banks that they gave my credit reports to. 

XXXX ) XX/XX/year> XXXX XXXX got a copy of my XXXX Credit Report -I called XXXX and put a freeze on my credit. They told me that they would also notify XXXX XXXX. I'm not sure if this is the same XXXX one that inquired into XXXX the same day? 
-See above for communication with XXXX XXXX. 

XXXX ) XX/XX/year> Citizens Bank got a copy of my XXXX Credit report. 
-I called Citizen 's Bank and they told me that they were sending it over to their fraud department, but could not verify if an application had been put in for a card or a loan. The Case ID # is XXXX XXXX XXXX XXXX above 6 ) XX/XX/year> XXXX Blocked an Attempted Installment Loan Inquiry from XXXX XXXX XXXX XXXX 

Hopefully no other requests are placed within the XXXX period XXXX said it would take for the freeze to be in effect.

I am hoping that you can help me get these inquiries removed from my credit report and/or provide me with the necessary documentation to send to the credit agencies. 

Thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXX/XX/2017, XXXX XXXXXXXX XXXX XX/XX/2017 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH CAPITAL ACCOUNTS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate. 

I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame
Product: Debt collection

Debt validation letter written and mailed out XX/XX/2021 to Portfolio Recovery Services at XXXX XXXX XXXX, XXXX, VA XXXX disputes were mailed out to XXXX XXXX and XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another XXXX XXXXXXXX. 

I try calling XXXXXXXX XXXX and they say to call the banks and then the banks say to call XXXX XXXX Then XXXXXXXX XXXX  said to call Transunion. Transunion said to call XXXX XXXX and I explained to them I have and they advised I call you guys.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for Eqifax and also I have faxed a letter with my id and ssn card photo on the top of the letter and asked to change of my address and removing the wrong address also I asked to remove the hard inquiry that is not belonging to me and I explain for them that is not from me and they didnt remove it also they have my name wrongs. 
Because of the false and wrong reports Equifax caused me a lot of problems and effected on me as a XXXX XXXX and also effected on my Childrens life Equifax preventing me to grow on my financial life thats effected on my family as well. 
The personal statement that Equifax is reporting to any creditor it caused me to not having any credit card or any loan to make my families life easier! Im wondering why??!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all violated my rights. 

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 an 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX has reported this account correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by DISCOVEBANK. While checking my credit report, it came to my notice that DISCOVEBANK has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies " XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by DISCOVEBANK will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information ot nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or DISCOVEBANK, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 
If you do not cease communication I will escalate the matter to a Federal Complaint. 
XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX 15 U.S.C 1681 sectio

n 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.
Product: Debt collection

The company USBC CORP put on my credit XX/XX/year> that i owed a debt of {$490.00} stating i have delinquent payment history for 5 months. This debt is not mine as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so there is no way i can have a debt from XXXX that was created. Please remove this from all credit bureaus & my credit report as i am currently in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

15 USC 1692g
Product: Credit reporting or other personal consumer reports

ON WEDNESDAY XX/XX/year> ; BELOW I RECEIVED THIS EXPERIAN RESPONSE VIA EMAIL IN REGARDS TO A DISPUTE DATED XX/XX/year>. 

( ( We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer XXXX XXXX file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/ dispute. 
Connect with your credit day or night for FREE. View your Free Experian Credit Report ) ) I CALLED EXPERIAN TO AUTHORIZE MY DISPUTE. THEY HAVE NOT FOLLOWED THROUGH.
Product: Student loan

In XXXX my loans were consolidated FFEL loans. Over the years of my loans, I was. Federal employee with the Dept of the XXXX XXXX and was working toward Loan Forgiveness when 120 payments were made. During this time, when I spoke with Navient reps, they always confirmed my loans would qualify because this is what I was working towards and in XXXX when the US Department of Education and Student Loan Aid declined my application for Forgiveness I couldnt believe what I was hearing. I started working for Department of the XXXX XXXX in XXXX while attending college. I consolidated my loans not just for lower payments but to qualify for the Loan Forgiveness for Public Service. Well, I contacted Navient and told them I was denied due to type of loans I had and they did not qualify because they were not Direct Consolidated loans. They said that was correct and I could apply for a qualifying consolidated loan but the XXXX years of payments would have to begin again from start. At this point I did not trust Navient and left my loans as they were. Last year when other types of loans that did not originally qualify for forgiveness could now qualify under a short window of time, I applied and never heard anything so I called and spoke to a rep with the federal Student Aid program and was told the FFEL consolidated loans did not qualify and some words exchanged and I was told to make sure someone had their contact information so when I died they could call the Federal Student Aid office and then my loans would be forgiven. I got upset and said to her that after working 20 years in XXXX XXXX that the only way I would qualify for loan forgiveness was to die and she said yes. I am XXXX years old and still working in public service and worried about retiring with this debt, I am currently on a short term graduated pay plan to get my loans caught up after several forebearances at suggestion of Navient rep when I got behind. I dont know who to trust regarding paying toward a loan forgiveness for public service. Looking for some help. I know I am not the only person in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Product: Mortgage

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Santander consumer usa Santander consumer usa credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : SANTANDER CONSUMER USA XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I XXXX verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXXXXXX.According the law any Lien which has incorrect information must be deleted ASAP.
Product: Vehicle loan or lease

The auto loan has been paid in full sent an endorsement to the indenture trustee of Capital One for the full payoff. I'm still receiving messages as they didn't receive the payment and I know they did I sent it registered mail it showed they received it. Why these companies are trying to get over and not accepting the payment I do not know. I will also follow all of them up will the IRS Treasury Department since the companies want to act like they're not getting the point. If you they can't accept my endorsement I'm assuming they can't expect my cash either because they are all negotiable instruments RIGHT!!!!!!!