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

I submitted a dispute with XXXX XXXX mortgage company on XXXX XXXX, XXXX to remove an unauthorized inquiry made by a loan consultant with XXXX XXXX in XX/XX/XXXX. A loan consultant with XXXX XXXX called to me to inform me that I was eligible to refinance my existing mortgage with XXXX XXXX. After speaking with the representative, I informed him I would call him back after I spoke with my husband about the possibility of refinancing. After ending the call, the loan consultant did not wait for my call back and simply ran my credit without my consent. While reviewing my credit report in XXXX XXXX, I noticed there was an unauthorized inquiry made on my credit report from XXXX XXXX. in XX/XX/XXXX. I then contacted XXXX XXXX XXXX XXXX, XXXX disputing the unauthorized inquiry made on my credit report. I was told to call back in 30 days for a resolution. I called XXXX XXXX back on XXXX XXXX, XXXX for a resolution and I was told the dispute was still in process and the representative did not see a response in the notes. Therefore, the XXXX XXXX representative took it upon herself to submit a new dispute and asked I call back in 30 days for a resolution. XX/XX/XXXX ( just 1 day short of 30 days ) I receive a letter from XXXX XXXX stating that i would need to contact XXXX credit reporting agencies, 1 of which I have never heard of ( XXXX ) and send XXXX XXXX all 4 credit reports which evidenced an inquiry was actually made on each of the credit reporting agencies report. It went on to say that once i return all XXXX credit reports from each credit reporting agency and sign a letter requesting XXXX XXXX to remove the unauthorized inquiry. Once they receive all XXXX credit reports from each credit reporting company along with a letter signed requesting a dispute for the unauthorized inquiries will XXXX XXXX start an investigation into determining if an unauthorized inquiry was made. 
I find this unacceptable after I had submitted the dispute more than 2 months prior with XXXX XXXX and spoke to several representatives and fraud departments at XXXX XXXX who asked me to call back in 30 days ( twice ) for a resolution. 
I am just being given the run around in hopes i will just stop insisting this unauthorized inquiry be removed. According to the FCRA this unauthorized inquiry must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for an apartment and was denied for XXXX apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.
Product: Credit reporting or other personal consumer reports

The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX Account name : XXXX  I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRIES XXXX ACCT XXXXXXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX  ACCT XXXX NAMES REPORTED XXXX XXXX XXXX XXXX XXXX EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Debt collection

XXXX XXXX amount XXXX i tried to communicate that this debt isn't mine but they will not respond XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I communicated to the bank that i am a victim of fraud and this isn't my account XXXX XXXX this account is not mine i was a victim of fraud and i told the bank but no action was taking XXXX XX/XX/XXXX XXXX XXXX  o told this company i never had a car loan from them and that my name and id was compromised and theft will not take action XXXX XX/XX/XXXX XXXX XXXX  does not belong to me someone used my identity to open this account and i called and tried to take action but theft didn't do anything to rectify this matter.XXXX XX/XX/XXXX. 
southwest credit system this account do not belong to me it was opened in my name without my permission XXXX XX/XX/XXXX
Product: Debt collection

I have paid the debt through money order on the specified account to the address provided by the debt collection company XX/XX/XXXX. They continued to send collections. I emailed collections company notifing them of payment and also the orignial comoany which I owed the debt. I received another collections letter on XX/XX/XXXX The company is NCSPlus Incorporated
Product: Credit reporting or other personal consumer reports

I have identified significant inaccuracies on my credit report, which XXXX, XXXX, and Equifax continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. 

I have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. 

Please take immediate action to rectify this matter and ensure full compliance with federal regulations.
Product: Consumer Loan

I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't
Product: Student loan

Requested information on the " School Misconduct Discharge '' letter that NAVIENT has been sending to others from my school, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. They have been unable to provide any information to me about this. This is in regard to my wife 's private loan that I am currently a cosigner on. 

We both filed borrower defense to repayments for our debt and the federal debts are in the process of being discharged, refunded, and credit repaired, however, we need to apply for the private debt discharge via this method as well, since our school has been found to have been grossly negligent and has a long history of misconduct. 

Thank you for helping us look into this.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) as the financial institutions and the Consumer reporting agencies XXXX, XXXXXXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and ( furnishers of information of credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishers of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that are being reported again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXXXXXX XXXX  XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX
Product: Credit card or prepaid card

I had 2 checks for {$1600.00} sent to Capital One in XXXX from XXXX XXXX XXXX, XXXX of AL. 

Capital One received and deposited the checks but failed to give me credit for said payments. The XXXX check was deposited on XX/XX/XXXX and the XXXX check was deposited on XX/XX/XXXX 

I have sent proof to Capital One and to XXXX, XXXX, and XXXX  by certify mail several times and Capital One has denied receiving said proof. 

Capital One sent me a letter requesting that I submit proof within 30 days and my attorney fax said proof within the requested time period and they denied receiving it. 

Capital One actions has caused me serious harm in that I am a senior citizen on a fix income and has caused me stress, lowered my credit score, especially showing my account with them as a charge off when in fact I have doubled payed them, I lost lines of credit, pay higher interest rates, and I been denied the opportunity to get into a retirement facility, and I have been refused additional credit.
Product: Debt collection

Original Creditor Name XXXX XXXX XXXX XXXX  Opened XX/XX/, 2015 ( 3 yrs, 8 mos )  This is Probably the wrong Date and also they have not validated my details l asked. How much l paid and what type of contract it was. It was not a contract but Month to month and hence should not be owing. 

Tried asking for details on how much was paid and how much the contract was and proof of the signed documents to verify what they state l owe and nothing has been shared
Product: Debt collection

I received a Credit Alert from XXXX XXXX XXXX that I had a Derogatory account on my XXXX file. When I logged into XXXX 's website I saw an account in collections that was not mine. When I called XXXX I explained that the XXXX account listed was not one I authorized to be opened and had never used. They opened a dispute on my behalf. They told me to call the collections company to notify them. I did so. They showed the account was opened by someone in XXXX XXXX, LA. I advised that I do not know anyone there, have not resided there nor authorized anyone there to open an account with my credit information. The collection group supplied an XXXX account # of XXXX. XXXX also advised that I report this on the FTC website.
Product: Debt collection

My Wife and I were victims of identity theft with a company called XXXX XXXX and they were notified and a police report sent to the company and its collection team of XXXX. The account was removed from the credit bureau but now has reappeared with another collection company called MontereyCollections. This has affected by lively hood and life and is damaging my reputation. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Permanent Removal of Fraudulent Account Dear Equifax, I am writing to formally dispute the recent re-insertion of a fraudulent account on my consumer file. This account was previously removed after I filed a dispute, but I have noticed that it has been placed back on my report at the request of the furnisher. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, specifically Section 1681i ( a ), when a consumer successfully disputes the accuracy of information on their credit report, the consumer reporting agency must conduct a reasonable reinvestigation. Furthermore, once information has been removed, it can not be reinserted without proper verification of its accuracy and notice to the consumer, as outlined in Section 1681s-2 ( a ). As this account was previously determined to be fraudulent and removed, I request that you permanently remove this account from my consumer file. I also ask for written confirmation of the removal and details of the investigation conducted regarding this matter. Please respond to this request within the timeframe set forth by the FCRA. Failure to comply with this request may result in further action to protect my consumer rights. Fraudulent accounts listed below : Account Name - XXXX XXXX XXXX XXXX. 
Account number - XXXX XXXX I'm I am also disputing the unauthorized inquiries below made without permissible purpose. Remove immediately from my consumer file for FCRA violation. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2024 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX XXXX OFF MY ACCT SS # XXXX ACCT # XXXX AS WELL OF HER CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused XXXX  for my family! Please, prioritize the removal of these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade  Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported late payments for XX/XX/year> and XX/XX/year>. 
These entries are both unauthorized and inaccurate, and I am requesting their immediate removal from my credit report. 

**Inaccuracies and Legal Violations : ** 1. **Absence of Explicit Consent for Credit Reporting : ** The auto loan agreement with XXXX XXXX XXXX XXXX does not contain any explicit provision or clause granting XXXX XXXX the authority to report my payment history to credit bureaus. The contract only specifies my obligation to repay the loan and the consequences of default, such as repossession of the vehicle. This omission is misleading and deceptive. Reporting this late payment without clear, explicit consent is both unauthorized and unethical. 

2. **Fair Credit Reporting Act ( FCRA ) Compliance : ** Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as XXXX  XXXX XXXX XXXX , to report accurate and complete information to credit reporting agencies. The presence of this inaccurate late payment on my credit report is a clear violation of the FCRA, as it misrepresents the actual status of my account. 

3. **Unethical and Misleading Practices : ** Reporting this late payment without my explicit consent significantly impacts my creditworthiness, which is unethical and misleading. It fails to provide a fair and accurate representation of my credit history and violates the principles of honest and transparent credit reporting.