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

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under XXXX5 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

Needs to be removed immediately I made them aware prior and they still have not done so
Product: Credit reporting or other personal consumer reports

My information was shared in the equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was recently revealed that on XXXX XXXX 2017, Equifax 's database containing the personally identifiable data of ~149 million people was breached by an unauthorized actor. As a result, of this my personal credit information ( including SSN, name, address, credit cards, phone numbers ) have been potentially exposed to the public which has put me at immediate risk of identity fraud by those that possess that info.
This information has been confirmed to have been compromised via the website set up by Equifax - https : //www.equifaxsecurity2017.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX # XXXX XXXX ) CAPITAL ONE # XXXX XXXX ) CAPITOL ONE # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
Product: Credit card

I booked travel through Capital One Travel. Since they did not pass on my contact information to the hotel, the hotel was unable to send me my check-in information and I was unable to check-in the first night. I contacted both parties and they both agreed that I should be refunded but both said the other party should have to refund me. I then disputed the charge with the credit card company, Capital One. They rejected the dispute, as well as my appeal with supporting information. They did not address the substance of my dispute at all, I received a form letter with the reason filled in as " goods were as described and received in good condition '', which, given that I was disputing a charge for a service, suggests that they didn't even have a human read what I wrote.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Product: Checking or savings account

I have a bank account with money network and some scammer got into my account and transferred {$1100.00} to a personal account through my account without my knowledge and I filed a dispute with money network to get my money back but they wont do anything about it and its been 10 days I filed a dispute on XX/XX/year> and still they are investigating it but wont give me temporary credit I really need that money and fear they will deny my dispute so I will just be out of luck and loss of {$1100.00}. Please if there is anything you can do please let me know thank you.
Product: Vehicle loan or lease

Dear Lightstream, I am writing to formally request a reversal of the decision regarding my recent auto loan application, which was denied. The specific reason stated for the denial contradicts my understanding of my financial situation and the commitments made during the application process, see attached. 

It is important to highlight that this auto loan was presented to me as a promise based on a future return. I find it confusing and concerning that a decision has been made to deny an application that was previously positioned as a viable option. I believe that I have not been treated fairly or equitably in this matter. 

As the beneficiary of this extension of credit, I respectfully request that you review my application again. I hope we can reach an agreement that benefits both parties, rather than favoring only one. 

For the sake of transparency and to ensure fair treatment under the Equal Credit Opportunity Act, I have ccd the Consumer Financial Protection Bureau as a witness to this correspondence. 

Thank you for your prompt attention to this matter. I look forward to your positive response
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX_Transunion XXXX XXXX XXXX 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Product: Debt collection

I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX   XXXX  and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received unsolicited financial offers. After researching these offers, CoreLogic was named as the source of information. 

1 ) I have opted-out of offers so why is CoreLogic still selling my information? 
2 ) On XX/XX/2020, I completed CoreLogic 's form " Permanent Opt-Out Election Form '' to their product " Telemark ''. Mailed certified to to CoreLogic, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
3 ) The form asked for my social security number. How is it this company can require my SSN? 
4 ) I submitted the form with my SSN but I have not heard back from them. 
5 ) Does CoreLogic have other products I have to opt-out of? 
6 ) Are there other companies like CoreLogic that sell my information that is not subject to the normal opted-out of offers that I have to individually ask? 

I appreciate your assistance.
Product: Checking or savings account

I receive a XXXX payment from Social Security Administration on a US Direct Deposit Comerica Bank card I transferred to direct  deposit to my in my wife 's bank account and upon doing so and then learning that that occurred they cancelled previous payments that were received by my credit card company 15 days prior after credit card company receiving the funds they refuse to explain identify or have any explanation of where this money is orgone other than making the statement that the funds were available but would be declined on the 3rd which clearly must have been backdated my records and receipts indicate the funds were available to an addition {$6.00} more than the bills I payed after her employee representative admitted that the amount was correct and there was an additional {$6.00} available after both bills was paid and then I was transferred immediately to a supervisor which could not explain where the {$210.00} is or I had gone to that I would not get it though that was made clear I started more time and ask for paperwork to be sent to me so we can further more try remedy the situation amd I was hung up on
Product: Debt collection

Received first correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019.  So far has not been received. 

Received second correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to compliant XXXX for CFPB. I have submitted a fax to XXXX with the front and back of my social security card.You should be able to verify as of now. If not I can send additional information. The soft inquires that I am concerned about dates are from XXXX through XXXX. I think I have been a victim of fraud or identity theft. As you look over my file you will see I've disputed serveral of these items month after month. However, XXXX refuse to investigate and or remove these items. I have multiple disputes filed with XXXX with no avail. I have called several times as well about these items and still the same response. Now, I am receiving dna information from a company called XXXX to my email address but the name attached isn't my name. I also had a hard inquiry from XXXX XXXX in New York. Along with a po box and a physical address both in New York. I have never been to New York nor have I lived there. I am a nurse so there's no need for restaurant equipment. There are hundreds of soft inquires that I didn't do. There are so many there I can't list them all. Please help me and thanks.
Product: Credit card or prepaid card

I received a letter from Target company on XX/XX/XXXX at XXXX hours stating I had a Target Credit Card application denied. I call the number on XX/XX/XXXX at XXXX and spoke to an agent. I explained to the agent that I did not apply for an application with their company. We went over some items and the agent said to make a complaint to the Federal Trade Commission ID theft.gov. I tried and was redirected here.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint on complaint number XXXX Equifax is now in violation of 15 U.S. Code 1681c2 Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of-
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I was applying for a mortgage and had to unfreeze my TransUnion account. I was unable to do it online and it required me to make multiple phone calls to TransUnion. After multiple temps at failing the authentication, I finally was able to clear it. They sent me over to their IT service to have it fixed that issue fix. On XX/XX/year>, I tried once again to lift the freeze on my credit. After receiving error messages online, I made 2 attempts to authenticate it verbally over the phone and both times failed. After wasting more of my time, I was finally able to speak with a manager. She believes my account is being crossed up with another account and sent my credit file to the maintenance department. The system still would not allow me to unfreeze my credit report and it's concerning because I'm suppose to close on my house within a week. I feel like my rights are being violated due to their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against TransUnion. 

I have written letters on XX/XX/2020, XX/XX/2020 and XX/XX/2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus.

I requested that TransUnion provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. TransUnion has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. TransUnion continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with TransUnion to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Product: Mortgage

I tried during business hours to communicate with a live agent either on the chat feature or over the phone. Instead the call service on all publicly available websites and including those on my bills made it impossible to speak with a person. The AI forced me to communicate and discuss topics that were not relevant to the purpose of my call. After going through every single prompt option no human was ever available and then the system hung up on me. 

The chat service would not place me in a queue either. The phone service would not place me in a queue or give the option to be called back. 

The service provider has also been harassing me outside of the terms of my contract of the original loan. Im happy to provide this documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with Best Buy/CBNA, Citicards/CBNA and XXXX XXXX/XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.
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. Please see attached file for these items I am complaining.

"
Product: Credit reporting or other personal consumer reports

There is an unauthorized hard inquiry on my account from XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX- I dont now know them nor tried to get an auto loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.

Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92. 

XXXXXXXX XXXX  XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations. 
XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws. 
XXXX hard inquires by unauthorized Individuals a. Capital One Auto Finance, XX/XX/XXXX b. Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX Capital One Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2022
Product: Credit reporting

On XXXX 2015 I received a notice from Experian stating my personal information was stolen while in their possession, they are offering me XXXX for two years to help with this problem, ( but i must be willing to allow them to SHARE my personal information with others for AD purposes to acquire this service ) that 's not acceptable. what can I do to receive the service and not have to give up my personal information out to be stolen from other sites!!
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are coming from a third party, which is not the case. I even called to verify my identity, but they still refused to process my disputes. Ive wasted money on mailing my disputes and provided personal information to verify my identity through the mail, only for them to not conduct a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account : XXXX XXXX  Account # : XXXX has 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 a account without my written instructions.