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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX
Product: Credit reporting or other personal consumer reports

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

I mailed in a dispute letter on XX/XX/year> to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a XXXX party.
Product: Credit reporting or other personal consumer reports

Information for was accessed, sold and bought illegally as I was a victim of the EQUIFAX data breach. I expect these negative items to b e deleted from my credit reports effective immediately. I have attached evidence of EQUIFAX 's admission that I, XXXXXXXX XXXXXXXX XXXX XXXX, was indeed victimized by this data breach and EQUIFAX has done nothing to correct the matter. Furthermore, I would greatly appreciate assistance in the removal of these illegitimate accounts from my credit report As a result, I, XXXX XXXX XXXX XXXX UCC 1-308, have personally invested numerous hours researching and studying contract law and consumer law. In particular, TILA ( Truth in Lending Act ) the FCRA ( Fair Credit Reporting Act ), the CFPA ( Consumer Financial Protection Act ), and the FDCPA ( Fair Debt Collection Practices Act ) in order to gain a greater understanding of how to properly maintain and exercise my right to redress with regard to this breach. I have spent time typing, editing and creating dispute letters. I have spent time and money, in transit ( XXXX and public transportation ), travelling to the library, post office and IRS offices. Time and money was expended on certified and registered mail, including insurance offered through USPS. Time and money was spent at the notary. Numerous hours spent research articles and watching informative videos. I will provide additional supporting documentation as necessary.
Product: Debt collection

National Credit Systems is reporting on my credit report with XXXX, XXXX and XXXX. I have disputed this item and sent National Credit System a debt validation on XXXX XXXX, XXXX. National Credit Systems has not responded
Product: Checking or savings account

I was told by XXXXy, Chase Bank Manager, XXXX, MD, on Saturday XX/XX/XXXX, after she spoke with XXXX XXXX and I to verify my XXXX deposit, Chase would open a new account and transfer my money ( XXXX ) into my new account. I was told I could open a new account, XXXX open a new account and was transferring my money by into the new account, the next day This never happened. I was then called by a bank manager, and I was told they were going to closed the new account and would not let me speak with XXXX, Bank Manger previously spoken to, who gave me her business card as a contact through this issue. After Chase closing my new account XXXX  opened, I was told they were sending my check instead in three days, which was 3 weeks ago. Chase closed my account, never sent a check, or gave me access to my old account or new account even after my identity was verified and deposit proved twice now. I was not allowed to see my balance, or a detailed transaction list. I dispute the amount verbal stated to me, and requested detailed account summary, never received for original account It has been three months plus now, since Chase has frozen/kept my XXXX money needed for my children in collage and medical bills. It appears Chase plans to keep my $ XXXX because they have not kept there word. I need to my XXXX now please receiving a call from the chase corporate office when I calling speaking with bank manger at Chase and FRUAD dept, I was told over a month that this would get resolved, but has not. I called Chase fraud department and was told to come in and present proof of identity and deposited was mine, I did. MrsXXXX XXXX at the XXXX XXXX XXXX XXXX branch, got copies of my drivers license and load paperwork as proof of identity and deposit. This also was verified when XXXX XXXX deposited the XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian Information Solutions Inc. for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian Information Solutions Inc. for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description.

Despite my dispute submitted on XXXX Experian Information Solutions Inc. has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Experian Information Solutions Inc. adheres to the FCRA. Thank you for your prompt attention to this matter.
Product: Debt collection

I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
Product: Debt collection

XXXX XXXX was my XXXX she got the insurance money and she is a scam XXXX she never gave me any results from any test she cares about money not people I might look into a lawyer to make sure she doesn't scam anyone else. Thank u XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM EQUIFAX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXX # XXXX -- 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

In XXXX, I had taken out a payday loan with XXXX XXXX  XXXX. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my TransUnion report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from XXXX XXXXXXXX XXXX. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on Transunion 's end. I contacted TU and they wanted a letter from XXXX XXXXXXXX XXXX stating the inquiries should not be hard. XXXX XXXX XXXX sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there.

This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding previous complaint XXXX, I received a call from XXXX at XXXX XXXX on XX/XX/XXXX advising me that they were able to find the loan information and stated that it was still in their collection department and told me that a supervisor will cll me back to advise on how to settle it, when I did not hear from them I called on XX/XX/XXXX and was again advised that someone will call me back. When I did not hear back I called again on XX/XX/XXXX and spoke to XXXX who advised me that a 80 % settlement can only be approved from the supervisor XXXX. I received a call from the supervisor who approved the settlement. I went ahead to a branch and paid the settlement balance XXXX $ in the form of cash, and the rest in a check on XXXX. Once I made the payment I called the collection department and informed them of it they told me that I would have to wait for the check to clear before I can be sent a settled in full letter. On XX/XX/XXXX the check cleared and I again called to request the letter, I spoke to the Supervisor who advised me that it would be done. On XX/XX/XXXX when I did not get the letter I called XXXX collection again and was transferred to the customer service department and spoke to XXXX who informed me that I would not be able to receive a letter as the account is not saying that it is settled and still has a balance. I called the collection department again and was told I have to speak with the supervisor a message was sent to it asking him to call me back. On XX/XX/XXXX I got a letter from the XXXX written by the supervisor listing my name with my previous address ( even though I corrected it many times with the collection department and addressing me as a different person.
Product: Debt collection

Is current trying to see me for a rental debt allegedly owed to an apartment complex I havent lived in since XXXX. The state of XXXX requires if any money owing to a landlord must be started in the court with XXXX days of move out. This never happened, now a debt collection company saying they are attorneys for the apartment complex said they are suing for the apartment complex. Every letter they send me clearly states they are a debt collector with an attempt to collect a debt. This is in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am trying to create a security freeze for my son, who is a minor. I submitted to Equifax ( dated around XX/XX/year> ) a letter with the request and photocopies of documents they requested ( my photo id, my son 's birth certificate, and my son 's social security card ). 
I received a letter from Equifax ( dated XX/XX/year> ) rejecting the request, stating I need to submit a letter with the request and photocopies of documents they requested ( my photo id, my son 's birth certificate, and my son 's social security card ). These are the same documents I submitted to them in the first place. 
On XX/XX/year>, I tried calling the toll-free number Equifax provided in the rejection letter to resolve this, only to be rejected before even getting to talk to a human. 
I am extremely sick of scumbag companies like Equifax. They should be eliminated or nationalized. Equifax has proven it can not be trusted to securely store users ' data nor provide basic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

RoundPoint Mortgage is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Product: Checking or savings account

Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus. 

Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.
Product: Debt collection

We had a XXXX XXXX. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
Product: Credit reporting or other personal consumer reports

Many Credit cards being opened since 5 months using my details which resulted in lowering my credit score and hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This will be my THIRD ATTEMPT to have the below referenced accounts removed from my report as they are reporting INACCURATELY and the reporting agencies have refused to acknowledge or comply with my two previous written letters. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file PROVING that the alleged debts are mine. Your failure to positively verify these accounts has hurt my ability to obtain credit and has caused much stress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : XXXX  XXXX Pursuant to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. XXXX XXXX XXXX XXXX to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. XXXX XXXX XXXX - Pursuant to XXXX this account has also reached its statute of limitations on debt in Alabama and can no longer be collected on. I HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY.. DEPT OF ED / XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXXXXXX- This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. REMOVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint Against Discover Financial has run my credit without my authorization and has left Unautorized hard inquiry on my credit and this inquiry impact my credit on date DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date : XX/XX/XXXX i just applied for credit card date : XX/XX/XXXX and i got approved which is accurate other above is fraud
Product: Debt collection

I am filing a complaint against Spring Oaks Capital LLC for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus. 

Details of the Issue : Lack of Proper Licensing : Spring Oaks Capital LLC does not possess the necessary license to collect debts in the state of New Jersey. According to New Jersey state law, debt collectors must be licensed to operate within the state. Spring Oaks Capital LLC 's lack of licensing renders their collection activities illegal and invalid. 

Failure to Provide Adequate Validation : Despite multiple requests for validation, Spring Oaks Capital LLC has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor. 

A complete payment history. 

Proof of assignment or ownership of the debt by Spring Oaks Capital LLC. 
Instead, Spring Oaks Capital LLC has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA. 

Continued Reporting of Disputed Debt : Spring Oaks Capital LLC has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of Spring Oaks Capital LLC have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.