23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX hired collection company called CCS to collect a debt I do not owe damaging my credit. Putting a false statement on my credit report, I have called XXXXXXXX XXXX XXXX to rectify this issue and they just state that they can not give me the credit they promised me on XXXX for interrupting my services for over 5 days because the company was experiencing technical difficulties causing the consumers to be without internet service for over 5 days within a month. I called to advise that I was disappointed with there services and advise XXXX XXXX that I was going to switch to XXXX XXXX  and if there was an outstanding balance XXXX XXXX assured me that there was no bill balance due to the inconvenience and outages by there company as a courtesy they were waiving that months bill as a courtesy to there customers. XXXX then turned around hired a collection company called CCS and put a derogatory collection account on my credit report damaging my credit. I have tried to resolve this issue but they do nothing. My credit is tarnished because of this cable company.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from Netcredit Fs for the same date, XX/XX/2021. I contacted Netcredit customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Product: Credit reporting or other personal consumer reports

Initial Issue : You contacted the companies in XX/XX/XXXX about a particular matter. They responded that the issue was verified and provided an explanation, but it seems their response was incomplete or unsatisfactory. 

Follow-Up : You sent a second letter on XX/XX/XXXX, requesting more details or further action regarding their previous investigati
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA section 605B ( 15 U.S.C. 1681c-2 ) Dear Equifax, I only have One Name : XXXX XXXX XXXX XXXX Only ) One Address : XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX Only ) Any other PII that differs from this information is fraudulent. Please Remove any other name and address associated with my FICO consumer credit account. 

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Equifax. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report.

2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid. 
3. Blocking of Fraudulent Information : In accordance with FCRA section 605b ( 15 U.S.C. 1681 c -2 ) request that Equifax block this fraudulent information from my credit report within Four ( 4 ) Business Days of receiving this letter.

Equifax Legal Obligations I previously disputed these fraudulent accounts on XX/XX/XXXX and again on XX/XX/XXXX, but you failed to respond with a Any Proof that the debt is mine, within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Equifax has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged {$69.00} XX/XX/XXXX and XX/XX/XXXX for spirit airlines for services that I did not use for that time. I did not authorize these charges and did not use this service. Bank of America failed to resolve the dispute. They claimed it was not fraud and I could dispute the charges. When I tried to call they kept transferring me to different departments and nothing is being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Lending Club, per another CFPB Complaint in XXXX ( which they failed to respond ), my Schedule of Creditors per my bankruptcy in XX/XX/2018 which shows that my Lending Club Corp., was indeed included, and discharged, in bankruptcy. 

Yesterday, Lending Club incorrectly reported the account as a charge-off to XXXX XXXX contrary to my court-ordered discharge I submitted online to them through the CFPB website. 

Please review the attached court documents and the excerpt from my XXXX credit report via XXXX XXXX showing the Lending Club account incorrectly changed to, and reported as, a charge-off to my detriment as of yesterday. 

Please assist!
Product: Credit reporting or other personal consumer reports

This company is reporting a negative account on my credit that is causing damages to my life. Exeter finance has this status of this account listed as charged off on XX/XX/year> but has failed to provide me a 1099c. while after writing this off of their taxes this company has failed the proper process to notify me with the 1099c and still reporting on my credit is committing FRAUD. Under FCRA, I can now seek statutory damages since Exeter finance has furnished inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. This account needs to be deleted immediately from all reporting credit bureaus which are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Credit reporting

I am not sure exactly what may have caused myself to have a hard time getting a background check or creating a credit karma account to keep track of my credit scores. I got married 5 years ago and have changed my maiden name to my married name on both social security card and passport. In the past couple of years that I have applied for employment, for some reason, the employers could not pull up and files on me for a background check. And now that I 'm trying to create an account with credit karma, it seems that the information I have provided them was invalid. I have tried both my maiden name and married name but nothing came up. Please, any help would be appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 there was fraud on my XXXX XXXX. I called as soon as I noticed it and the XXXX XXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX XXXX has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!
Product: Debt collection

Please remove ALL inaccurate and obsolete information from said consumer reports ) immediately. There are multiple violations according to 15 USC 1681s-2, 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. And according to the FCRA, there has not been reasonable procedures to insure maximum possible accuracy of the information concerning the individual ( me ) about whom the report relates. XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT $ : XXXX. l 'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get Equifax to remove XXXX county Department of Child support. Despite my overwhelming proof that this account is fraudulent, and request for a proper thorough investigation, this account remains on my credit.The most recent version of this account on my credit is incomplete. It does not show the terms or the amount to be paid every month, along with the highest balance being {$0.00} ( zero ). Why is there an account with highest balance of {$0.00} showing that I've made 96 % of the payment on not only still on my credit but impacting my credit negatively. All I asked for was for multiple times is that Equifax to do a proper investigation and provide me with the methods used to verify this account. I have been doing this for years and have yet to receive any documentation of such. Years. This is ridiculous and a clear violation of FCRA. The credit system is flawed
Product: Mortgage

In XX/XX/XXXX I requested a loan modification from XXXX XXXX XXXXXXXX. 

In XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed my loan was being reviewed for loan modification and they received all the documentation required and would make a decision within 30 days. 

In XX/XX/XXXX before my loan was transferred to Carrington Mortgage, I confirmed what the process would be in regards to my loan modification. I was told that the process would continue with the new lender. They would pick up the process where XXXX XXXX XXXXXXXX left off and I would not have to do anything. 

On XX/XX/XXXX, my loan transferred to Carrington Mortgage. 

In XX/XX/XXXX, I called Carrington Mortgage to check the status of my account and loan modification. I was told that I has to wait 60 days and I would be contacted. I was told that Carrington Mortgage has to wait for XXXX XXXX XXXXXXXX to send them my documents. 

In XX/XX/XXXX, after the 60 days I contacted XXXX XXXX check the status of my loan modification and have been giving the run around ever since. I have spoken with several managers and customer service representatives. 

They are refusing to process my request for loan modification and have now sent my loan to foreclosure. 

I have informed Carrington Mortgage that they are in violation of mortgage regulations that govern how transferred loans that are in the process of a loan modification are suppose to be handled. 

It is now XX/XX/XXXX, and Carrington Mortgage has been increasingly difficult to deal with. Representatives hang up in my face and promise to call back and never do. 

I have spoken with XXXX ( supervisor ), XXXX XXXX, XXXX ( XXXX 's XXXX ) XXXX XXXX, XXXX ( another manager ) XXXX, XXXX, and a host of other regular customer service representatives to no avail. 

This company is aware that they are in violation of the law and they have refused to correct the violation and process my request for modification.
Product: Vehicle loan or lease

I paid off a vehicle consolidation loan with Navy Federal Credit Union. Once the vehicle loan was paid I requested the title I made this request in XXXX of XXXX. I have called NFCU 10 different times requesting the title and I have not received it as of XX/XX/2022. They emailed me documentation which I signed and mailed back to NFCU and I still have not received the title. They damaged our credit due to this loan, now when its time for them to send the title I am getting the run around. I would like the vehicle loan mailed to me with in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today and noticed an inquiry from XXXX XXXX  XXXX  that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.
Product: Credit card or prepaid card

My wife applied for an additional user card for me, which American Express claim that a cardmember can apply up to four additional users of which the original cardholder is responsible for the charges and all the agreements. AMEX also stated that they will not pull the additional user credit history or the cardmember 's because the cardmember is the one who guarantees the second card. When my wife submitted the application with my name and SSN, a message came on the screen that AMEX will let us know IF YOUR REQUEST HAS BEEN APPROVED OR NOT. ( the first red flag that something not right is going on ) Which tells me that AMEX did check my history, at least with them. 

I called AMEX a week or two later on Saturday XX/XX/2021 around noon to inquire about my card, only to be told by the representative that my card was not approved because I have a bankruptcy with AMEX that dates back 17 years ago. I talked to a manager that day who was very nice and expressed understanding that one can't be punished for something from 17 years ago ( feel free to pull the recording from both conversations ). He also said that he will send a request to the under writer to re-evaluate my request taking in consideration that this bankruptcy was 17 years ago and that my wife AS ADVERTISED is the sole owner and responsible for the account. A week later I got denied again by the underwriter. Once again, I speak to a manager who said that AMEX will not change their mind and that they will not issue me a card, but she will try to talk to them. 

That leaves me with the conclusion that : ( 1 ) You have deceived me by not mentioning anywhere in your privacy notice or on the website that the additional card user history with you WILL BE considered in your decision. ( a snap shot of both are attached ) ( 2 ) I have been discriminated against based on my race, name, and country of origin. 

( 3 ) AMEX does not have fair practices and does discriminates between applicants. I have never heard of keeping a record from 17 years ago and use it against the applicant. People 's lives change 180 degrees in 5 years period, let alone 17 years. Not to mention that this bankruptcy was only and only because of a divorce where before the divorce, my account with AMEX was in a good standing for many years. But AMEX did not see that I had an excellent credit with them until the divorce, but only looked at the bankruptcy and decided not to issue me a card, despite their own advertisement that mention nothing about taking in consideration the additional card user history with them.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 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.PLEASE DELETE IMMEDIATELY XXXX FIX MY LIFE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Southwest Credit Systems, L.P. ( " SWC '' ) responded to my complaint XXXX, completely ignoring all responsibility the company has as it pertains to my consumer report. The company alleges, " SWC takes all consumer complaints seriously and is grateful for the opportunity to respond '', yet the company completely ignored federal law, it ignored proof of the inaccuracies on my consumer report and their requirement to report accurately, and made no mention of the issue at hand in my previous complaint which was the inaccurate use of my consumer reports. The company failed to acknowledge or respond to the fact they have no written permission from me the consumer to utilize my consumer reports as is required under federal law 15 USC 1681b ( a ) ( 2 ). The company failed to acknowledge or respond to the previously attached document in the complaint of the alleged debt obligation that is reporting inaccurately with highlighted sections to display this fact. The company failed to acknowledge or respond to the fact that it is 100 % responsibility of the furnisher to report complete and accurate information as seen in, The United States of Appeals, Ninth Circuit, No 00-15946 Nelson V Chase Manhattan ( 15 USC 1681s-2 ( 2 ) & ( 3 ) ). The company failed to acknowledge or respond to the fact that the company is required to notify me, the consumer, prior to sharing any of my alleged personal information with non affiliated company as is a federal requirement under 15 USC 6802 ( b ) of my right to exercise my non disclosure right. This is a right provided to me the consumer by congress, it is not subject to the companies policy. This company continues to harass and defame my character in direct violation of federal law as well as my wishes as the consumer. The document they received on XX/XX/2022 detailed my desire for the company to Cease & Desist all illegal activity. It is now XX/XX/2022 and this company continues its illegal activity. Attached is the same attachment in the previous dispute that clearly shows inaccuracies. In the companies response through the CFPB, it states " SWC received XXXX XXXX initial dispute on XX/XX/XXXX and has been correctly reporting the account as disputed since then. '' The attachment shows proof otherwise. Inaccuracies clearly can be found in the highlighted sections, Account Status, Date Last Active, Derogatory/Dispute Indicator. It is the furnishers responsibility to ensure maximum accuracy. After SWC 's response, the company is willfully violating the Fair Credit Reporting Act.