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

Identity documents which includes ID & Social security card were stolen in XXXX.After recently obtaining a copy of my credit report I found several FRAUDULENT accounts and inquiries that were listed on my credit report they were listed on my XXXX, equifaxand XXXX. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions. 15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system. 
IN accordance with the fair credit reporting accounts listed below : Following are the accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Also listed on report was an unfamiliar address XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my Trans Union Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
Product: Payday loan, title loan, or personal loan

I never even received the loan. Never accepted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Equifax XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/year>, purchased a vehicle. Found out that the sale was fraudulent. We never signed title application or POA in the Prescence of a notary, which makes the loan and sale invalid and illegal. Attempted to speak to dealership regarding same. Dealership refused any wrongdoing. Dealership refused to refund downpayment and loan
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Received American Express Serve Prepaid Card in the amount of {$25.00} as a XXXX present. When trying to use the card now, for the first time, XX/XX/2019 there is no balance left on this card. American Express has charged {$5.00} per month for XXXX through XXXX so that there is only {$1.00} remaining. The card was never out of the wrapper until today. It makes no sense that they can charge a fee for a card which is not even out of the wrapper it was sold in. No services have been rendered for which a fee should be charged. This is a rip off from them, getting money for nothing. This is theft by deception for absolutely no benefit. I've called the company and have been told that there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license
Product: Debt collection

This credit card account is just now coming to my attention. I did not open a credit card through HSBC bank based out of Nevada at any point.
Product: Student loan

I can not recieve financial history statement regardless of how many time I request it. I have called XXXX since XX/XX/XXXX. 4 of those calls have been made in 1 day alone. I have double checked each time that my address is correct ( each time it is correct ) - yet I never received the financial statement. There is no way to escalate the issue. I get put in the supervisors voicemail box - no way to know when they will call back. Miss the call and start all over with customer service. The more I call to escalate the issue the more I am put on wait time to speak to a supervisor, waiting over hours and never getting one. I do not have 9+ hours to wait on hold because I work full time. I ultimately have to hang up - no resolution. Then I call back and go back into the supervisor mail box and repeat the cycle. None of the front line customer service reps know anything. They gas light me saying " you never requested the financial history '' or they throw their peers under the bus saying " I'm going to submit this the RIGHT way '' ( as if no one else has ). Well 4 requests for financial history 2 months later and none have been received. I need this financial history for my employer to reimburse me for the payments to the loan. I am now without {$10000.00} in reimbursement because MOHELA can not get me my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$68.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXXection 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$68.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

CFPB Statement I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Student loan

I took out XXXX loans for my children 's educations. In XXXX I consolidated those loans with XXXX using the Federal Family Education Loan Program. The XXXX loans totaled {$43000.00} at that point. The loans were then taken over by XXXX and serviced by ACS, apparently XXXX separate institutions. In XX/XX/XXXX I kept calling XXXX to ask why the principal was still so high. They refused to provide any information despite my repeated requests. In protest I refused to make payments until they provided that information. This caused the loan to go into default, and XXXX XXXX then began servicing the loan. 
XXXX attempted collections with the principal set at {$42000.00}. I have paid {$22000.00} on these loans from XX/XX/XXXX-XX/XX/XXXX. The principal went down by less than {$1000.00} despite the payments. I understand the interest is paid first before the principal, and my repayment plan was for 15 years but this was wrong. 
My son is an attorney and he helped me negotiate with XXXX, but they were unwilling to modify the principal and added over {$8000.00} in collection costs that we were told were also non-negotiable. 
XXXX held a garnishment hearing where I sent in all the loan information ACS finally provided a week before the hearing. After almost two years of requesting the loan payment information they provided it in XX/XX/XXXX ( despite postmarking it in XX/XX/XXXX they never sent it until we made repeated phone calls all summer ). 
Even after providing this information at the hearing and providing a thorough explanation of the situation, the hearing evaluator XXXX XXXX from XXXX still ruled against us. I 'm XXXX, now owe far more than I ever took out, made over {$20000.00} in payments, and I will have no spare income because I tried to do what was right.
Product: Vehicle loan or lease

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

These account that i disputed for fraud was not deleted. Transunion have violated my fair reporting act laws and should be sued i have sent numerous documents to Transunion about these accounts XXXX  account open 0n XXXX XXXX account is fruad XXXX XXXX open XX/XX/XXXX {$3500.00} Inquiries : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a dispute to Equifax regarding inaccurate and incomplete information on accounts on my Equifax Consumer report ( receipt with tracking number attached ). Equifax responded with a stall tactic letter stating I needed to include my state ID and and social security card which were attached. Equifax did not investigate my dispute. I mailed the dispute again on XX/XX/year> ( see receipt with tracking number and copy of letter in attachments ). Equifax responded with another stall tactic letter saying I was claiming identity theft. Again, Equifax did not investigate my dispute. I am submitting my dispute to be investigated.
Product: Mortgage

XXXX XXXX XXXX originated this loan in 2004, then sold the Loan to XXXX XXXX that is now being serviced by Nationstar Mortgage. I periodically call to check my account status because I do n't trust these folks and now find out independently through XXXX and confirmed by a realtor who pulled a title report that my property was foreclosed on years ago, but yet my monthly mortgage payments are accepted, annual mortgage interest statements continue to be generated and they tell me my account is current. I have made several calls, escalated the calls past the newby customer services people, assured that it will be researched and still no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against FIRST FEDERAL CREDIT C ( Account Number XXXX ) due to their failure to validate the accuracy of the information they are furnishing to the credit bureaus. Despite sending nine dispute letters requesting validation, they have not provided any proof or documentation showing how they verified the account details. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Errors and Violations : Failure to Validate the Account : Under Section 623 ( a ) ( 8 ) of the FCRA, furnishers are required to investigate and provide accurate information when a consumer disputes an account. Despite my multiple requests, FIRST FEDERAL CREDIT C has not provided any verification of the debt or supporting documentation.

This lack of validation means the account should not continue to be reported, yet it remains on my credit reports with conflicting statuses. 
Inconsistent and Inaccurate Reporting : XXXX reports the account as Deleted with a balance of {$510.00}. 
XXXX reports the account as In Dispute with a balance of {$510.00}. 
XXXX does not report the account at all. 
These inconsistencies indicate that the information provided by FIRST FEDERAL CREDIT C is not being furnished accurately across all credit bureaus, violating Section 623 ( a ) ( 1 ) of the FCRA, which requires furnishers to report accurate information.

Failure to Conduct a Proper Investigation : Under Section 623 ( b ) of the FCRA, when a dispute is submitted, the creditor is required to conduct a reasonable investigation. The failure of FIRST FEDERAL CREDIT C to respond to my disputes with any meaningful validation demonstrates their failure to fulfill this obligation.

Continued Reporting of an Unverified Debt : Because the creditor has not verified the debt, continuing to report it violates my rights under the FCRA. If a furnisher can not verify the accuracy of the information, they are required to stop reporting it. 
Requested Resolution : I request that the CFPB take action to ensure that FIRST FEDERAL CREDIT C : Provides full validation of the debt, including original documentation proving the accuracy of the account. 
Ceases reporting this account to the credit bureaus if they can not provide proper verification. 
Corrects any inaccurate information or removes the account entirely from my credit reports. 
Their failure to validate and the continued inaccurate reporting are clear violations of my rights under the FCRA. Immediate action is necessary to prevent further damage to my credit profile.

Thank you for your assistance with this matter.