23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I submitted a verification request disputing unauthorized inquiries on or around XX/XX/year>. I also requested that reporting companies delete unauthorized inquires per FCRA sec. 604f 15 usc 1681 as they are not authorized and holds no permissible purpose or other reason. Within. XXXX hours I got an email claiming that items have been verified and will continue to stay on my report for XXXX years even after I the consumer, natural person verified that they were not authorized. 

On XX/XX/year> Equifax responded to my initial dispute stating that the items in question that I listed on my identity theft report are factual. Equifax did not provide consumer with proof of verification. Consumer has not received information on Equifax process on how they verify disputes. Consumer demands an explanatory statement from Equifax on how they certify their verification process, in the form of an Affidavit signed under penalty and perjury by someone at Equifax who can attest to the facts. Consumer demands a list of the of the people Equifax spoke with per company still listed on consumers report to which the validity of the inquiries can be properly verified. Per FEDERAL FAIR CREDIT REPORTING ACT it is Equifaxs responsibility to make sure that the consumers personal information and integrity is preserved by all necessary steps and measures. If Equifax can not provide consumer with the necessary documents that will substantiate the authority for the inquiry to remain then Equifax will have willingly and intentionally violated consumers rights and Permissable Purpose of consumer report and will be agreeing to a payment to the consumer of {$5000.00} dollars to the consumer for each inquiry that remains on consumers report without proper and lawful verification. This agreement is non negotiable and consumer reserves all rights to claims and defenses without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX  and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I went, in person, for the XXXX time, to the Chase branch on XXXX XXXX, XXXX, TX, to request XXXX XXXX  wire transfers to my XXXX sister, XXXX in XXXX, the other in XXXX. I had with me ALL documentation to show who I was, and all needed information about the Banks of my sisters ( BTW First time I went, the lady who was supposed to help me said that there were XXXX number missing, about the Banks, but after calling my sisters, who went to their banks, and were told that info should be sufficient, I returned to the Chase branch, and XXXX XXXX, with exactly the same information that I had presented the day before, was able to initiate the wire transfers. Or so I thought! 
Except tha a few days later I received a letter from Chase saying that their Electronic money Mover Team had CANCELED the wire transfers, that seemed to them unusual, but without contacting me nor the branch! When people go in person, it seems logical to assume that they really want the transaction to go thru!!! 
Any way, since then I have spent countless hours on the telephone with them, often waiting up to XXXX minutes waiting for a person to come to the phone, and I have gone to the branch XXXX more times, and now they want me to the branch again!!! 
I am XXXX ( soon XXXX ) years old, I XXXX XXXX any more, so XXXX have to take a cab to go there, with time and expenses adding up. It is a real inconvenience and totally unfair!!! 
They have created the mess, and caused me a lot of frustration XXXX XXXX, and they should be able to resubmit the wires without me having to go back agin for the XXXX time : they should have all the information and they can contact me for anything else they might need. But I should not have to go to the branch AGAIN. 
I hope that you guys will be able to do something, and I hope that you can let me know what is being done. Since this has been going on since XXXX XXXX, there is a certain urgency to this!!! 
Please respond. 

XXXX XXXX ( XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

My credit score and credit is being denied and my score is poor due to me being held responsible for someone else 's unpaid debt. There's utility, cellular service, vehicle loan, and mortgage loan for a home I never owned or even lived in. It has to due with my partner who passed away in 2014 and he was still legally married at that time and his " wife " due to her not liking me and not wanting any of his debt has somehow gotten away with putting his debt on me. How is this legal? They were still legally married and she lives in said home and collects his social security benefits but yet my credit is the one being impacted and I'm having all of this come up on my credit report. She is the one who is legally married and she should have all of it on her credit and she's the one responsible for it not me. Please help me get all of this off my credit report. Thank you.
Product: Credit card or prepaid card

I was charged for the cancelled transaction and it is have being over a month and issue still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; 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  have 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 an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Vehicle loan or lease

That account does not belong to me I need that account to be block and remove on my credit report.
Product: Mortgage

I have a mortgage FHA loan With first Bank Puerto Rico.The bank automatically solds me a property insurance policy emited with XXXX XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX the island suffer a earthquake 6.5. 
My property have serious damage after earthquake, call the bank and given the insurance company number. 
In XX/XX/XXXX notify about my home damage. 
About 2 weeks later and ingeneer inspected my property and tells me a final decision about 2 weeks later. 
At this time, never been received a decision and the bank send me a letter to renew this policy with the same insurance company. 
I'm very anxious to resolve my home damages, like roof leaks, wall cracked, and home fix to ground damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports at TransUnion, XXXX  and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. 

This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.
Product: Credit card or prepaid card

I applied for an Apple Goldman Sachs credit card last month. The sign-up bonus is that within 30 days of opening the card, if the spending reaches {$75.00} or more, my credit card account will receive a statement of {$75.00}. 

On the XXXX day after I opened the card ( that is, XX/XX/XXXX ), I spent {$790.00} to buy a mobile phone ( the credit card add {$75.00} to my account and 3 % cashback rebate {$23.00} totaling {$98.00} back to my credit card ) when I pay {$790.00} ). 
, and then I spent another {$150.00} at the supermarket, after that I felt that the phone was not easy to use, so I returned the phone, but since I returned it, they I forfeited the {$75.00} and the {$23.00} cashback at the same time. 
Within 3 days of opening the card ( meeting the XXXX requirement ), even after deducting the {$790.00} before the return, I still spent XXXX ( meeting the requirement of the consumption amount of XXXXXXXX XXXX ), and the credit card customer service insisted that they would not give me the opening bonus of {$75.00}.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit 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 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 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 item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 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.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unauthenticated accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureaus have neglected to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the stipulated timeframe, persisting in reporting unverified information. Considering all my efforts to resolve this matter directly with the creditor, this now amounts to deliberate negligence and non-compliance with federal regulations. I urge you to completely remove the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for all of these violations!
Product: Debt collection

I have already talked to this company four times and I have already disputed this once and they put it back I have already explained that I have never heard of XXXX XXXX that I have only ever lived in California I got my identity stolen about 2 years ago now and that is around the time this cox account was open they keep trying to tell me that there is nothing they can do I do not believe it is fair for me to pay something that was never mine to begin with as well as be told that I am lieing about where I live
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX
Product: Debt collection

Capital One is trying to sue me after 8 years I collected the debt in XXXX ( SOL 6 years ) Moved to XXXX 5 years ago ( SOL 6 years ) XXXX has a borrowing statute So in XX/XX/XXXX it will be a total of 8 years
Product: Mortgage

Around XX/XX/XXXX I spoke with XXXX XXXX at PennyMac to refinance my loan. We discussed what I wanted in the loan. I was very clear of my credit and past history. I told XXXX I did not want to have the taxes and insurance escrowed into my loan. XXXX filled out the application and asked for me to sign it but would change it later not to include the escrow account. I also said I wanted to pay off the PMI for the entire loan upfront and did not want to pay any closing cost. 

XXXX said in writing this would be fixed but it never happen. He came back to me almost three weeks later telling me nothing he said closed be but I could still move forward with the loan. At this time I asked for supervisor who refunded the money I paid for an appraisal. He told me I could have a new loan person which I said I would. This never happen. In fact everyone stopped speaking to me. I call XXXX [ the supervisor ] several time and finally sent a email. To this date he has not responsed. I called the number and asked for his supvisor or the loan processor to call me. I called her and emailed her for over 48 hours and I got no response. Eventually on one of my many calls someone told me the loan was declined because of a foreclosure that will be on my credit until XXXX [ this is not true I do not have a foreclosure on my credit at all ] and a misstatement of my income. I asked it they would like me tax returns & to speak with XXXX XXXX [ she never returned ANY of my calls or emails ] [ she was the loan processer ]. During this time the interest rates have gone up and I missed out on a better rate. This has also negatively impacted my credit score. I have additional emails if needed.
Product: Debt collection

This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX
Product: Credit card or prepaid card

The account in discussion is Capital One/Saks the issue at hand is a late reporting in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody atCapital One/Saks. When I was well enough to work I did make the payment immediately.
Product: Student loan

Submitted borrower defense cases in late XXXX due to the schools ( XXXX XXXX and XXXX XXXX ) being accused of misleading students alongwith false promises. Borrower defense cases were approved in XX/XX/XXXX. Havebeen trying to get a resolution from the Department of Education and my loanservicer ( XXXX ) for the last year. However when reaching out to either one, theyimmediately start pointing at the other company for resolution. Was informed byXXXX  on XXXX that a refund of {$5300.00} was to issued. However thatmoney has not been received. Court documents attached show that all of thestudents loans and credit repair was to be completed by XX/XX/XXXX. However thishas not happened. Legal documents have been filed by the Project on PredatoryStudent Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT XXXX XXXXXXXX XXXX DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : XXXX XXXX XXXX, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.
Product: Student loan

I have a consolidated student loan with Navient and fall under the lawsuit filed against them by the federal government in over charging interest rates and hiking payments.