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

In Accordance With The Fair Credit Reporting Act 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
Product: Debt collection

This creditor again is threatening legal action to collect a debt. They refuse to validate the debt when requested as well as the amount. They are predatory and violate the law over and over again. Instead of answering my request, they sell it to a different collection agency. Therefore the debt is not valid and it violated 15 USC 1681abd 1692.
Product: Debt collection

This is a formal complaint that PORTFOLIO RECOVERY are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries found on my credit report from unknown sources from dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months XXXX, XXXX  an Experian have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
XXXX, XXXX  and Experian refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
XXXX  refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XX/XX/XXXX, Equifax has blocked all reporting of authorized user accounts to my credit report. They deleted 5 open accounts that were never late. Although I am not primary card holder on the accounts, i have spent the last 3 years working hard to pay all cards and accounts on time for my husband, kids and myself. All of our cards are family authorized cards that I pay the bills on, I manage every penny on each one. We made a goal to build our credit, to obtain a mortgage. This has been three years in the making. We are now going through the home loan process and they have deleted ALL of my positive credit. This is horrific and we could lose out on our home that we have made a priority goal for three years. We opt to use authorized cards because as a family of XXXX, will college kids, it would be hard for me to maintain the accounts for everyone if there were so many individuals floating out there. This has helped to keep our payments in order. I have sompoken with each creditors requesting the accounts be reinserted on my report, they each tried and have come back with equifax is blocking/suppressing the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XX/XX/2022 yet all three agencies are reporting damaging information on my consumer report.
Product: Credit reporting or other personal consumer reports

There has been repeated incompetence and issues with this account being serviced with XXXX. The account was paid in full on XX/XX/year>, XXXX failed to report the account as paid in full still after the legally allotted 30 days. When I brought this to their company/department 's attention along with providing SUFFICIENT supporting documents, XXXX was able to submit corrections to the credit bureau overnight XXXX however, did so erroneously. On XXXX & now Experian, the account now reflects " closed, paid, and 100 %, '' however, the account was also erroneously flagged as 30 days past due subsequently resulting in a credit score drop of XXXX points. All due to erroneous reporting and incompetence. I've been working on my credit paying off bills after falling behind, and this XXXX point drop has severely erased all hard work. The account itself on XXXX reflects 100 % payments made on time, along with it being paid/closed, yet they reported it 30 days late out of nowhere.
Product: Debt collection

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, Sequoia Financial Services, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account.

Your failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

Sequoia Financial Services has failed to validate the alleged debt. Sequoia Financial Services sent copies of bills. Sequoia Financial Services did not send a signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Account paid and never late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Account paid and never late XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX/XXXX  XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Issue : The inquiry was not authorized
Product: Credit reporting or other personal consumer reports

Incorrect Home address listed XXXX account tried to file dispute online to have remove
Product: Mortgage

Dear CFPB, Im writing to you because my mortgage company has been playing games with me since XX/XX/2019. Almost 8 months ago I applied for a short sale with Select Portfolio Servicing and everything was going well the first 2 months of review until Select Portfolio Servicing requested a Brokers Price Opinion on my home.

The report from Select Portfolio Servicing finally came in after 4 weeks of waiting and with a big surprise I found out Select Portfolio Servicing didn't use an appraisal company to confirm the value of my home. 

I requested for a copy of the report since the amount that Select Portfolio Servicing was requesting for was over $  755,000.which that value shows several discrepancies considering the property value is only {$450000.00}. 

After reviewing the file with a manager by the name XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX who advise that because the investor of this loan did not want to pay for an appraisal of review the account properly for a short sale. They had no choice to use the Brokers Price Opinion ordered. 

Also I found out that Select Portfolio Servicing MANIPULATED the report showing shows my property is based on multiple unit property with XXXX units. 
Which is completely false my property is not XXXX units, which I provided supporting documents from XXXX XXXX XXXX RECORDS AND A LICENSED APPRAISAL REPORT. 

Now XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX refuses to take my call to address this issue of the fact that I have provided showing the proof this is a XXXX unit and the value that XXXX XXXX Supervisor from the consumer ombudsman dept. p. XXXX ext XXXX is wrong and false. 


Please help me since now Select Portfolio Servicing is manipulating the number of units on the value report to take advantage of me and refusing to help me avoid foreclosure even though I was already told my loan is qualified for a short sale. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated repor
t. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX and XXXX XXXX XXXX has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to XXXX XXXX XXXX to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. XXXX XXXX XXXX and Equifax also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n Equifax and XXXX XXXX XXXX willfully failed to comply with my request and is liable for damages to me. 
XXXX XXXX XXXX and Equifax continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither Equifax nor XXXX XXXX XXXX provided required notice to me of my rights to privacy under XXXX CFR 1016.4 and 12 CFR 1016.7. 
Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XX/XX/2023 Closed Feedback provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Your company has responded to my complaint with nothing but just an update on the accounts that I have requested for you to remove/delete. I am immensely disappointed because this is causing me huge XXXX and my daily lifestyle has been affected.
Product: Credit reporting or other personal consumer reports

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX as reported by TRANSUNION. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Product: Credit card

I had a bank of America cc, which never had a late payment and had just been paid off on XX/XX/. The following day, the card was closed without notice and without consent. Today, XX/XX/, a statement was generated stating I owe money ( which I do not ) and that the " available spending limit '' ( meaning, as per my statement, the account is active ). I have called several times and Bank of America refuses to correct the " amount owed '' ( I do not own anything ), and they have been dishonest stating they " sent me a notice '' ( all notices are online, that's how I see my statement, and there are no other notices ). Didn't they just get into trouble for this? If the fines they have been ordered to pay do not teach them to handle business legally, why are they still in business at all?
Product: Mortgage

XXXX    XXXX    Third Federal i n  XXXX , oh presented a mortgage program called  Home Today  and they hire third party to come and teach the class who are scams to me. I went and wanted to know what this program was all about. I was not disappointed by any means. So, I went to the program a month which was every Tuesday at from  XXXX  to about  XXXX  and it was a joke ; yes they gave us food what a joke. But the pathetic part was when I went to counseling session with  XXXX   XXXX  with this program called  XXXX  and it was a joke the place was filthy and smelled and the lady would wonder in late telling me about her personal life her grand is sick. Okay, but that was not my concern and every time she had a scheme going on. Oh if you go to this bank and put in a  XXXX  dollars to build my credit and take it out in  two or three da ys but she did not tell me the full truth. I take it out but I would have to pay on the money I put in. How insane was that. Then she wanted me to try this guy okay gave it a shot he was a joke. He wanted me to give him my bank statement and have a conference call with student loan. At this point it became clear he was a wannabee. He wanted me to call the student loan so he could have a conference call and it was not happening. I told him if the she the manager does not believe you it 's useless. I  XXXX  at  XXXX  and told her I do n't trust him. I had to call  XXXX   XXXX  at third federal and tried to explain to her obviously she did not care and thought what this  XXXX  valentine has sad was true. This program is a farce and should not continue to go on. They denied one because I did not go with whatever they told me and they wanted me to be used as a simpleton or a puppet on a string.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit ASAP.
Product: Student loan

On XX/XX/2019, the principal balance of one of my outstanding student loans was increased by {$2100.00}. The increase is itemized as a " loan sale '' but I did not request any additional funds, nor did I receive such. Navient also did not notify me of this change, and I did not approve it. Because of this, and because this is not the first time Navient has made changes without my approval and outside what is allowed by my loan contract, I believe that my loan servicer is willfully defrauding me.
Product: Credit reporting

I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.
Product: Debt collection

First National Collection Bureau , Inc keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for XXXX XXXX XXXX on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX XXXX XXXX may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. First National Collection Bureau , Inc. can not sue you on this debt and First National Collection Bureau , Inc. can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX stated that several inquiries were verified as accurate. I would like the documents or person they spoke with to verify this information. Failure to provide this evidence take this as legal notice I will be suing each consumer agency based on their own admission that their services are not authorized but paid to report personal transaction history of consumers. 

These inquiries are causing me damages. 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 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 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 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 XXXXXXXX