23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate account and I'm not using any third party for this matter. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

You are reporting the INQUIRIES that are the result of the fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I know my rights and these Items MUST BE REMOVED.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX responded to the complaints that I submitted in XX/XX/year> via the Consumer Protection Financial Bureau. Please reference case numbers XXXX and XXXX for evidence. In their response, XXXX XXXX stated that a XXXX  XXXX trade line and XXXX XXXX XXXX XXXX XXXX line were deleted and no longer reported in my credit report. As of XX/XX/year> the trade lines are still reported in my report fraudulently and I AM demanding that theyre removed. On the other hand, Equifax has not complied with credit reporting and consumer law by reviewing the evidence Ive provided and deleting both trade lines from my credit report based on the improper and fraudulent use of my credit report. Reporting the trade lines are a violation of the FCRA. Under section 1681s-2B of FCRA 15 USC 1681 et seq, the credit reporting agencies and the companies that provide those agencies information must adhere to law that disputed information that is not verified has to cease and be removed. I setttled a debt via 1099-c. I paid a portion and the remainder of debt was forgiven via a cancellation of the debt and reported as income to the IRS. This triggered a taxable event and was reported as income on my tax return. However, the lender, credit furnishers and credit reporting agencies are still reporting the trade-line incorrectly on my credit report as a charge-off despite my escalation of complaints, documentation and references to laws and statues. The trade line should be DELETED IMMEDIATELY. The Fair Credit Reporting Act ( reference 15 U.S.C. 1681a ( d ) 2 ( a ) ( i ) ) prohibits this misrepresentation and inaccurate reporting. Debt cancellation is when a lender agrees to relieve you of your obligation to repay your debt and IT SHOULD NOT BE appearing as a charge off. 1099-C form from a company if they cancel your debt, which is considered income for the consumer. After filing the 1099-C with the IRS, and owing taxes on the canceled amount it should then DELETED from the consumer credit report. This FCRA law applies to transactions or experiences between the consumer and a company. The transaction that has occurred between myself, XXXX XXXX and XXXX XXXX XXXX XXXX is being reported inaccurately with deliberate misrepresentations which is fraudulent.
Product: Debt collection

To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHO IT MAY CONCERN, THE ACCOUNTS LISTED IN THIS REPORT AND THE ATTACHED DOCUMENT ARE FRAUDULENT ACCOUNTS OPENED WITHOUT MY KNOWLEDGE AND CONSENT DUE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states, The term CREDIT CARD means any card, plate, coupon book or other credit 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 is 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 credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX.
Product: Credit card

Attached are the documents. I want the bureau to look into these accounts promptly, as they inaccurately portray me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I reviewed my free annual Experian credit report information - none of my current or past account information is viewable or disputable via this company. Despite Experian 's acknowledgment that they do not have any information regarding my current or past account information, Experian has created and is sharing an erroneous credit score that is impacting my reputation and creditworthiness. There are no online options for me to dispute the missing information, by phone or fax. It is unacceptable that this company and others are willing to report unverified erroneous information that is impacting the lives of customers 24 hours a day/7 days week but they are not required to maintain viable dispute processes 24/7. Please note that other credit reporting companies XXXX and XXXX both have the information that Experian is missing- perhaps Experian should pay for and use their respective credit monitoring services to maintain the integrity of their consumer credit reports.
Product: Mortgage

I tried to make my mortgage payment in XX/XX/2020 and was unable to log on to my account. I called customer service several times and got different responses. When I tried making a payment I was directed to pay online using my portal. They would get me off the phone by convincing me the problem would be solved when I recieved an email with a link to registering my account ... when I try logging the error message is that this account is already registered ( which is true because I had used it ). I go to change password and a link is sent to my email and I can request my username just fine. I try to log in and I get directed to Registration again. I have called several times over the last year and sent requests for assistance to their webhelp and I get a message that they received my request and would get back to me, and never did. This happened several times. I requested forbearance for COVID-19 Hardship after they would not take a payment from me and income was drastically reduced, and identity theft was discovered when my fiance applied for unemployment. His income helps support our household. So throughout the last year, our financial situation improved. My fiance got back on Soc. Security Disabilty, my child support increased and I was able to rent to a homeless veteran who has VASH housing voucher, so HUD pays me $ XXXX/month for half of my house. So before my forbearance ended, I tried to make a payment and they would not let me. One customer service or loss mitigation said it was because I can't until after forebearance ends, another said I had to apply for repayment plan and be accepted, another said I have to watch personalized video and choose an option ( tried several times, and would not let me choose anything ) or forced me to log in, which was not happening. Then I was told I did not qualify for any repayment plans for different reasons depending upon who I spoke to. One said it was because I was not current when forbearance started ( they would not take payment and made it so I could not log in ). Another said I did not qualify for any plans because it was a few days after the end of the forbearance ( mind you I had been in contact and trying to remedy this prior to the end. ) One said he could apply for deferment with special circumstances ( I was promised a decision and call back by that friday, still no response ). I was told that the reason no one has helped me is because of the bankruptcy?? I am on the mortgage with my brother, we inherited our family home ( including the mortgage ) 2 years ago. Apparently my brother filed bankruptcy years ago and this mortgage is not involved. I did some research and believe this loan was miscoded. I was told that the bankruptcy department was looking into and would let loss mitigation know. I have not heard back. I ask about it every phone call I make to loss mitigation. This is what I believe to have started all of this. I have put a request in for a call back to speak to a supervisor. This mostly all phone calls and do not have supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  Balance XXXX and XXXX XXXXXXXX balance XXXX, has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft. These accounts do not belong to me. and i have no knowledge of them. i have filed an official report that i will attach. i have also filed complaints with all companies and parties involved. Also attached is all current and up to date information Following accounts not Mine : XXXXXXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXXXXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Highest balance : $ XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number : XXXX Date openedXXXX XXXX XXXX Past due amount {$1000.00}
Product: Credit reporting

I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Debt collection

I was disputing the way XXXX XXXX was handling this debt ( Federal Trade Commission ( Consumer Financial Protection Bureau ), Complaint Number XXXX ). Today, I was looking at my XXXX  Credit Reporting agency credit file when I saw that the XXXX  debt was reported, which drove my credit score down 75 points from XXXX to XXXX. The collection agency company, Sequium Asset Solutions , LLC never sent me a letter or a Notice that the XXXX debt would be reported to the credit agencies. What I gathered from a phone call with a representative of Sequium, the money of the debt plus the collection fee goes to XXXX even though XXXX and Sequium are separate companies. I was never given Notice that unless I paid the debt owed the XXXX account would be reported. This is very unfair to me as a consumer. In good faith, I decided to pay XXXX  the {$150.00} owed on the XXXX XXXX  web site ; yet I still owe a collection fee of {$37.00} to Sequium.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.
Product: Credit reporting or other personal consumer reports

I have reached out via email, mail and phone in regards to have my credit profile corrected : updated and Ive yet to get a response Im not able to get a report or can I create and account with any of the credit agencies to monitor my credit
Product: Checking or savings account

The following transactions were fraudulently committed and when the dispute was created, it was denied. 

XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XXXX XX/XX/XXXX {$43.00} XXXX XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$39.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XX/XX/XXXX {$55.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$44.00} XXXX XXXX XXXX XX/XX/XXXX {$41.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX
Product: Debt collection

I have a collection that is being reported to XXXX by Ideal Collection Services in the amount of {$9200.00}. This collection is being reported in error. It is a duplicate of a collection that was removed on XXXX XXXX, 2021, for the same amount. They removed the original reporting from all three agencies ; however, the duplicate that was reported to XXXX was never removed.
Product: Credit card or prepaid card

I cancelled my XXXX XXXX credit card on XX/XX/20. Since I live in Massachusetts, according to Part I, Title XX, Chapter 140, Section 114C of Massachusetts General Laws, I should have received a prorated refund of the {$400.00} annual fee. I contacted US Bank multiple times, but they would not provide a refund.
Product: Credit reporting or other personal consumer reports

My credit and personal information has been compromised by the XXXX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

XXXX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXXXXXX XXXX  - Would not provide act # Amount Owed {$190.00} XXXX XXXX XXXX XXXXt Act : XXXX. ( Won't provide full acc_ {$340.00} XXXX XXXX XXXX Amount Owed : {$1100.00} XXXX XXXX XXXX XXXX Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX