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

these amounts are not correct and not due to Domestic Relations Section. 
See attached as circled in the file. 
Please remove from the credit report ASAP. 
I do not owe this amount at all!! 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX I received your response about my outstanding debt that has been with you for over a year or two. I want to clarify that no police report was ever filed or police involved when my brother used my phone to create a XXXX account. This happened when we were sharing the same phone while I was still in high school. There was no identity theft involved as we both had access to the phone with all my information stored on it. 

I understand you may be looking for a police report or documentation to support this, but I want to emphasize that no such report exists. I wouldn't involve the police in a situation with my brother, who lives with me. This was simply a misunderstanding that I've been trying to explain to you for some time now. I hope this clears up any confusion and I request that the debt be removed from my credit record. '' 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. 


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. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account max delinquency date is from sometime in XXXX. The account itself was charged off on XX/XX/XXXX. Experian is still reporting XXXX 's account as Experian verified in XX/XX/XXXX per a conversation with XXXX that the account max delinquency date was in XXXX! This is incorrect and inaccurate information. I need a letter from XXXX to provide Experian that clearly states that this account was charged off on XX/XX/XXXX. I have spoken to my point of contact XXXX at XXXX several times and he has been more than helpful but there is only so much information he can provide. The payment history he has given does show the charge off on XX/XX/XXXX but it is not clear enough for Experian.
Product: Credit card or prepaid card

CAPITAL ONE sent me a new credit card offer yesterday ( XXXX XXXX ), stating I am pre-approved. Today ( XX/XX/2022 ) I decided to accept offer. As I went to apply and fulfill all information, they denied me. For the record, I have an excellent credit history, low debt ratios, good financial profile. My frustration is less about being denied, but more on WHY should they send an offer which they intend to deny? On top of this, running my credit ( hard check ) for an offer they sent yesterday, only to deny it today. Later this year I am planning to get a mortgage. As you may be informed, Credit checks do play a role in Credit Worthiness of an individual. I am beyond frustrated with this behavior from any bank, let alone it being among major big banks. Id be fine without a new card, however, THEY SENT the offer and THEY declined it. they are showing to be Irresponsible, Misleading and very Unprofessional. 

Here are the offer details : Reservation number : XXXX Your access code : XXXX E-mail received by them on XX/XX/2022 at XXXX.
Product: Mortgage

At approximately the beginning of XXXX, I reached out to US Bank to refinance my home mortgage. Because the interest rates had dropped, I thought that this would be a good time and I could lock in a 20 year loan for the same amount as my 30 year loan. I began the process with them immediately. By XX/XX/XXXX, I'd received some follow up communication, which implied the appraisal had come through. I sent them an email on XX/XX/XXXX because I wanted to see the appraisal. On XX/XX/XXXX, I received an email that I could view the appraisal, which I did. On XXXX, I sent an email asking if their refinance would be processed in enough time for me to keep the rate they had locked me in at when I applied. On XXXX, they told me my loan was still with underwriting in the initial review. On XX/XX/XXXX, I was asked for additional information, which prompted me to send two emails and to make a phone call. I finally spoke to my loan officer and asked about an amount of money they were wanting statements for, why I couldn't get ahold of anyone, and what was going on with my HOA ( my HOA requires a fee for a refinance which the loan officer was not aware of and even argued that it wasn't normal for them to do that, but I've refinanced on this home before so I am 100 % certain it's required ). The loan officer FINALLY increased the loan amount on XX/XX/XXXX ( had asked her on XXXX ) so I wouldn't have to pay cash at closing. On XXXX, I was told they had emailed my insurance company to switch the information over to US Bank. The processor implied that my insurance company was making them wait. I've worked with the insurance company for over seven years and they are extremely efficient so I knew it wasn't them holding this process up! On XX/XX/XXXX, I emailed the loan officer asking if this refinance is going to be finished before my XXXX mortgage payment is due. That we are now on THREE months for a refinance. THREE MONTHS! I have bought 4 homes and refinanced this one before so a total of 5 closing experiences not counting this one. In all of those times, not once did the process take over a month. I honestly want out of the refinance at this point but they've already charged me their fee and with their lackadaisical approach, I'm sure there are papers floating around everywhere half finished. If it takes 3 months to do the paperwork, I have no doubts that something will be wrong. The processor already spelled my name wrong and I had to correct her on that. That is literally her only job. I have been a loan processor before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX in XXXX about my home mortgage with them. They stated they could provide a forbearance for my mortgage. I told them I did not want a forbearance if it was going to affect my credit in any way. They assured me that it would not, and that the forbearance would help with the cash flows issue on my rental property. At the end of the 3 month forbearance term, XXXX  called again and asked if I would like to apply for a " Partial Claim '' or " Deferment '' which would place the amount owed to the end of the loan. Again, I stated this would be nice, but if it affected my credit in any way I would rather just pay the lump sum owed since I now had tenants renting out the front portion of my house. XXXX  again assured me nothing would happen to my credit. 

The next month I was hit with a 120-day late payment on my credit report which dropped my score by 149 points. I called XXXX to ask what happened and they admitted that this should not have happened on several recorded phone calls. I asked that it immediately by removed because I had said throughout the process I did not want to make any modifications to my loan if it would affect my credit score. I offered multiple times to bring the account current, but was told to use the forbearance and deferment plans as they would not affect my credit worthiness. 

I called XXXX over 25 times over the next 14 days attempting to get this resolved. I was given three different time slots where a " supervisor '' would call me back within 48 hours. Not once did a supervisor call me. An agent them told me " there are notes in the system to correct the credit reporting on XX/XX/XXXX, as we only report once a month to the bureaus. '' On XX/XX/XXXX, the derogatory account was NOT removed as promised and still sits on my credit report making me ineligible for any loans. The bank was told the house was being sold, so I did not need any further financing options as the loan would be paid in full soon. The house has since sold and yet my credit report shows me being late on payments for a house I no longer own! 

I flip houses for a living and require loans to be able to operate my business. I told XXXX  this repeatedly on several occasions during the 25 phone calls I placed. I still have not been called by a supervisor or manager, and the incorrect credit reporting remains on my report across all three bureaus. I am beyond angry at this point. Any and all reviews of XXXX are 1 star with nothing but problems. I do not understand how this mortgage company is allowed to be in operation in the US. I expect this issue to be resolved ASAP or I will have no choice but to escalate with legal action.
Product: Credit reporting or other personal consumer reports

Hello My student loans were discharged ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been discharged. 

As of today, XX/XX/XXXX, these loans remain on my credit report from XXXX. 

The loans have been removed from my credit reports with Experian and XXXX. 

Please assist me to have these discharged, XXXX balance student loans removed from all my credit reports once and for all. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for multiple violations of my consumer rights. On XX/XX/2024, I sent a letter addressing unauthorized activity on my credit report, which I neither recognized nor authorized. Despite more than 30 days passing, Equifax failed to respond to my letter. Subsequently, I filed a complaint with the CFPB, and their response indicated they were still working on the dispute. 
On XX/XX/2024, I sent a second letter to Equifax, reiterating my request for the removal of fraudulent inquiries from my consumer credit report. Finally, on XX/XX/2024, I received a response from Equifax regarding my dispute, which I found extremely frustrating and unsatisfactory. 
Equifax 's response was evasive and unhelpful. They claimed they were unable to locate a credit file in their database with the identification documents I provided. This response is not only upsetting but also a blatant violation of my consumer rights. As a consumer, I have the right to address such matters promptly and have them resolved. Instead, I am faced with deceptive and illegal practices that violate my rights. 
I provided Equifax with all necessary identification documents, including a copy of my driver 's license and my most recent utility bill, to verify my identity. Despite this, Equifax 's response was dismissive and insulting. I have attached their response, along with all three letters I sent to Equifax, my FTC report, and any other relevant documentation. 
I have filed three complaints with the CFPB regarding this matter, attaching all correspondence with Equifax each time. I am now seeking your assistance in holding Equifax accountable for their misguided practices. Equifax has no legal grounds to report fraudulent, false, or misleading information to my consumer report without my written consent. 
I demand that Equifax immediately delete all the information mentioned in my letters from my consumer report. I have attached all three letters I sent to Equifax, my FTC report, the identification documents that were sent to Equifax, and any other useful information to assist with this matter. 
Thank you for your prompt attention to this matter.
Product: Debt collection

Pro collect initially contacted me about a debt I owed an apt complex, XXXX. I then contacted the apt complex and after discussing some errors, they reduced the amount from {$1600.00} to {$900.00}. The manager also sent me an email confirming that change. I sent it to pro collect and they refused to correct the error. I contacted the XXXX and filed a complaint, at which time Procollect stated they would correct the error. They did not. I contacted pro collect to settle the debt for the {$900.00} and pro collect responded by stating that the {$900.00} was a settlement offer only if I paid it in XX/XX/XXXX, which if you see the email from the apt complex does not state that it was a settlement, and it is dated more than a year ago, not last month. I offered to settle at {$900.00} on Wed XXXX XXXX and pro collect refused to accept {$900.00} on that date. I disputed the debt with the credit reporting agencies, and pro collect verified the debt as {$1600.00} after I submitted proof it was corrected.
Product: Credit reporting, credit repair services, 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 I told XXXX, XXXX, and Equifax to reinvestigate these accounts payment history and remaining balance : Account name : Account name : Ideal Auto Sales, Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of 2022. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX of my federal rights are being violated by the major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, XXXX, TransUnion, and all relevant entities must uphold their obligations under these statutes.
Product: Money transfer, virtual currency, or money service

I have an account with XXXX XXXX and transfer money using XXXX for last few years. Also I have an account with Discover bank too. But I have never used the account for anything. Last XX/XX/XXXX th Discover bank has labelled my account as fraud and suspended my XXXX tokens. Therefore I can not use XXXX XXXX  for any money transfer. I have made over XXXX calls and they have not done anything to help me. Discover bank has to remove suspicious status on my account in order to use XXXX with any bank.Discover has labelled me as a terror with no reason. They should either take me to court and punish me or release my XXXX tokens. So I can be free to use XXXX through my bank.This is a discrimination against my status. 
I have contacted XXXX once and was told that they can not involve in this matter because this has to resolve through Discover bank only.
Product: Debt collection

I am a victim of identity theft and I pulled my report last year and noticed fraudulent student loans took out in my name. I have been trying close to a year now to resolve this issue by contacting ; XXXX, XXXX, XXXX, Navient and my local police department to file a report. I even filed a FTC report to clear my name, I even provided this information to Navient & XXXX and they are still refusing to help me. $ XXXX in student loans I did not take out is in my name. I am a XXXX XXXX XXXX  without a XXXX XXXX XXXX. 


Account Number : NAVIENT XXXX / XXXX - XXXX
Product: Debt collection

on XXXX XXXX, 2017, XXXX XXXX put 3 Fraud Medical collections on all 3 credit bureaus. We notified XXXX XXXX by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from. 

They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there. 

I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers. 
They still have not removed the Fraud that is not mine from collections under my name.
Product: Money transfer, virtual currency, or money service

I was sent {$600.00} on Venmo by a friend of mine to help me pay for my rent this month. This money was sent to me on XX/XX/2022. I verified my identity on Venmo using my social number, birth name, etc and then they froze my account and asked me to submit my ID. 

I submitted my ID on XX/XX/2022 and was told I would have a response regarding my account and unfreezing it within 6-7 business days because they have a lot of requests I guess for their account specialists. 

This was fine. I stated I would wait the 6-7 business days and I have. The XXXX business day was Friday, XX/XX/2022 I shouldve had a response by then. 

I called support today and was told they now expect me to wait ANOTHER 6-7 business days for a response. 

Its my money. {$600.00} of mine and its stuck in this account and they are refusing to give me any real help. I need my money, to pay my rent. Now I cant pay it. I cant do ANYTHING because the money is stuck and they dont want to give it to me.
Product: Debt collection

AFTER FAMILY MEMBERS IN OUR HOME RECOVERED FROM VIRUSES BEING SPREAD AROUND, WE FINALLY HAD A CHANCE TO CHECK OUR MAIL, AND SAW MAIL FROM SEVERAL ATTORNEY OFFICES. WE WONDERED WHY WERE THESE LETTERS BEING MAILED TO OUR HOME. FINALLY WE SAW A LETTER IN THE MAIL FROM AN ATTORNEY 'S OFFICE CALLED " XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. WE ASSUME THEY REPRESENT " TRUSTMARK NATIONAL BANK. '' THIS IS WHAT THE LETTER SAID. IT ALSO ASKED IF THIS WAS THE HOME OF " XXXX XXXX '' AND THAT XXXX XXXX NEEDED TO RESPOND WITHIN 2 WEEKS OR THE AFOREMENTIONED ATTORNEY 'S OFFICE WOULD " ASSUME '' IT WAS THE CORRECT HOME FOR " XXXX XXXX. '' 1. WE HAVE SEEN WHERE THE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE CAN BE CONFUSED BY THE SIMILARITY IN NAMES, WHICH COULD CAUSE THEIR OFFICE TO ASSUME THAT THEY ARE SENDING MAIL TO THE PROPER HOME ADDRESS. WELL, NO ONE IN OUR HOME GOES BY THE NAME " XXXX XXXX. '' WE NOW HAVE TO BELIEVE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE HAS SENT LETTERS TO THE INCORRECT ADDRESS. THE MAN, WOMAN, OR PERSON THEY ARE SEARCHING FOR DOES NOT LIVE OR RESIDE AT OUR HOME ADDRESS. THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE COULD HAVE MADE A SIMPLE MISTAKE, OR WE COULD BE A VICTIM OF IDENTITY THEFT. 

2. WE DO NOT KNOW ANYONE FROM THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE. WE DO NOT HAVE A CONTRACT WITH THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NO KNOWLEDGE OF ANY DEBT OWED TO THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NEVER USED THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE FOR SERVICE, AND WE DO NOT OWE THEM ANY MONEY FOR ATTORNEY FEES. 

3. UNDER THE FAIR CREDIT REPORTING ACT, DEBTS OVER 7 YEARS OLD ARE TIME BARRED, AND HAS A STATUTE OF LIMITATION, AND CAN NOT AFFECT ONE 'S CREDIT. ALSO, NO CREDITOR CAN USE THE SAME ASSUMED DEBT MORE THAN ONCE TO AFFECT A CONSUMER 'S CREDIT. WITH THAT BEING SAID, NO ONE WITHIN OUR HOME HAS TAKEN ANY LOANS FROM ANY BANKS WITHIN THE LAST 7 TO 10 YEARS, ESPECIALLY FROM A " TRUSTMARK NATIONAL BANK. '' WE DO NOT HAVE KNOWLEDGE OF ANY DEBTS OWED TO THE ATTORNEY 'S CLIENT, TRUSTMARK NATIONAL BANK. IF TRUSTMARK NATIONAL BANK ASSUMES THERE IS A DEBT OWED, THEN WE CAN POSSIBLY BE VICTIMS OF IDENTITY THEFT. 

4. SINCE WE BELIEVE SENDING MAIL TO OUR HOME HAS BEEN A MISTAKE, WE REQUIRE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE, AND THEIR CLIENT, TRUSTMARK NATIONAL BANK, TO CEASE AND DESIST WITH ALL ACTIONS TO AFFECT OUR CREDIT, CEASE AND DESIST WITH ANY ATTEMPT TO WITHDRAW FUNDS FROM OR FREEZE OUR BANK ACCOUNTS, CEASE AND DESIST WITH ANY LIENS, AND CEASE AND DESIST WITH ANY NEGATIVE AFFECTS ON OUR PRIVATE, PUBLIC, AND OR INTELLECTUAL PROPERTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to UPDATE the account listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}