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

XXXX, Equifax, XXXX has been reporting incorrect inquires, information on my credit report. None of the 3 bureaus have the corrected information that has been reported along with many of the inquires that i do not recognize. I would like consumer financial protection bureau to look into this matter throughly. I have attached an identity theft reports along with letters and a copy of credit report. Please help me correct this issue urgently .. thank you
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to the account being inaccurate on a lot of the information. Account was settled and then reinstated. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Mortgage

I made specific requests of CHASE for information about my mortgage account, and specifically deferred payment amounts and dates. I have not received the requested information. I also requested further deferment of payments due to a financial hardship and have been denied. I have included for your review the most recent letters written to CHASE specifying my requests, as well as a chronology of my communications with CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It began with trying to refinance my mortgage. Due to the nonsense method the credit bureaus use to determine credit worthiness the data they used to generate a score caused me to be DAMAGED! 

I have reported numerous complaints. All it did was make my score worse. Review all the complaints I have provided and proved how XXXX the system is and it is not definitely NOT FAIR!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$800.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$8000.00} XXXXXXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXXXXXX Balance {$1200.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Fair Collections & Outsourcing , Inc. is in violation of the Fair Debt Collections Act ( FDCA ) and has been calling me without my permissible purpose, according to Title 15 USC 1692b ( 2 ) and Title 15 USC 1692b ( 5 ). I attached a letter with the remedies.
Product: Credit card

On XX/XX/XXXX, I received a credit extension from Navy Federal Credit Union. On XX/XX/XXXX, I discussed on a recorded line with Navy Federal employee named XXXX that my credit application was a {$25000.00} credit approval. They have only revealed {$7100.00} and left and unextended credit total of {$17000.00}. The credit union has discriminated against me under the Equal Credit Opportunity Act ( ECOA ) due to non-disclosure of the full approved amount and unjust enrichment through withholding part of the credit to benefit their accounting ledgers. ( Please see attachment-Exhibit 1, Adverse Action letter dated XX/XX/XXXX ) Additionally a private notice was sent to the CEO opting out of data sharing with credit agencies and all 3rd party affiliates , which was confirmed received by certified mail. Despite his request, the credit union continued to reported inaccurate information, breaching the FCRA and more injuries to the damages already inflected. Lastly, a negotiable instrument was accepted by the credit union, implying duty under the UCC to apply it to the account. If this original asset that was even was not returned. If they did not return this valuable instrument with failure to return whole then they are utilizing this instrument.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received notification from XXXX on XX/XX/XXXX that a derogatory account had been reported by Southwest Credit Systems. 

Southwest Credit System reported an unknown account and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

Additionally Southwest Credit Systems did provide evidence that they are licensed to collect debt in California. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

This behavior is highly illegal and violates multiple consumer laws therefore I have submitted this complaint for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 MS SERVICES LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA MS SERVICES LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and applied for a car. I was told my credit was only being pulled by one dealership. However, there are 13 inquiries I do not recognize and I did not give permission to any of these companies to pull my consumer report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the Fair Credit Reporting Act, hard inquiries that were pulled without my request MUST be removed from my consumer report. Please have these unauthorized inquiries removed immediately, as it is harming my ability to obtain new credit. I would appreciate a copy of my consumer report once this issue is resolved. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Thank you and have a good day.
Product: Credit reporting or other personal consumer reports

Improper use of information Dear Sir/Madam I XXXX, A consumer Request for Debt Validation Pursuant to 15 USC 1692g Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay vou You are in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I Request that you provide me the " XXXX XXXX Of XXXX '' showing how much YOU paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE XXXX  XXXX  XXXX XXXX. 

Until the requested verification contract and purchase agreement are provided, I ask that you REMOVE & DELETE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you DELETE & REMOVE all collection efforts entirely. 
Please respond within the XXXX period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Please delete from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

1. We received our first piece of mail from Navient datedXX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of {$590.00} 2. We received another piece of mail from Navient dated XX/XX/2018 stating that they are our new loan service provider. Note that both letters say, " Keep an eye out for your first Navient billing statement '' - clearly implying that this was not a billing statement, and that billing had not yet commenced.

3. We received a second piece of mail from Navient dated XX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of XXXX 4. We received a letter in our post office box AFTER XX/XX/2018 from Navient, dated XX/XX/2018 stating that we are 135 days past due and that we owe {$3600.00} 5. Tried calling Navient on XX/XX/2018 no one answered, no way to leave a message 6. Sent a summary of the above as a message to Navient on their website on XX/XX/2018 7. Received electronic message from Navient via our account on their website dated XX/XX/2018 addressed to XXXX, stating that if we pay {$68.00} within 10 days, the account will be paid in full 8. Sent check for {$68.00} to Navient via certified mail on XX/XX/2018 9. Payment of {$68.00} processed by Navient and posted to our account on XX/XX/2018 10. Sent a message to Navient on their website on XX/XX/2018 explaining that we paid our account in full per letter of XX/XX/2018 ; requested confirmation and that no negative credit be reported
Product: Credit reporting or other personal consumer reports

On XX/XX/year> MOHELA renamed and misreported my student loans as " deferred '' payments to XXXX which is inaccurate to my status. It affected my credit score ( down XXXX points ) from their reporting activity which is potentially has affect on my personal lively needs and financial mobility.
Product: Credit card or prepaid card

Despite opting my deceased father 's information OUT of all pre-screened credit card offers months ago this bank seems to see fit to continue to mail unwanted credit card offers to him. Most recently an XXXX XXXX XXXX Credit Card Invitation number XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN, XXXX, and XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. XXXX, XXXX, and Experian all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy Court. The Bankruptcy Court is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is required per FCRA.
Product: Credit card

Opened a card with XXXX XXXX to rebuild my credit. Didnt realize there was a {$170.00} annual fee. I closed my account due to its fraudulent advertising and misleading clients. I didnt pay off my annual fee until now and after interest rate I just paid {$250.00} without ever using the card. I would like to report this company as a fraud and would like this to be removed from my file and most importantly would like my {$250.00} refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am included in the list of potential victims of the 2017 Equifax cybersecurity incident, which means intruders may have accessed my name, Social Security number, birth date, address, driver 's license numbers, and credit card numbers. Criminals took advantage of a U.S. website application vulnerability to gain access to certain files from mid-XXXX 2017 through XXXX 2017.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in certain sections. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus are obligated to authenticate these accounts. It's impermissible to label these reporting accounts as unverified without presenting evidence within the legally stipulated timeframe. The following erroneous information in my credit report requires investigation and correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Filed : XX/XX/XXXX XXXX Asset Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed that there is still an account on my credit report that is being falsely confirmed to be accurate. Nothing has been done to fix or eliminate this erroneous data, even though the material I've supplied amply demonstrates that it is false. 

A proper inquiry and correction of disputed information are required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which is violated in this case. Please conduct a quick follow-up investigation and make sure that the inaccurate information is either fixed or deleted from my credit report.
Product: Debt collection

This is a medical debt for which I receive countless calls regarding payment. This is not the original debt for this medical bill and services received. I had XXXX in XXXX which was paid for by my health insurance as deductibles were met. This bill should not have been accrued and this has been explained to the debtor and collections several times. They continue to say we will investigate and respond which has not happened. This debt reflecting on my credit is causing additional XXXX  and XXXX XXXX to my current situation. There have to be laws making this illegal to seek payment for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XX/XX/year> viewed consumer report and seen illegal, inaccurate information from. XXXX and XXXX XXXX late payments from XXXX and illegal inquiries from XXXX XXXX
Product: Debt collection

I dont give written consistent for any credit reporting to report to any credit agency or charge a transaction. I do not recall opening let alone speaking to anyone with sprint! This is fraudulent activity on my credit! 
Law codes : 15 USC 1681 c-2 1861 a ( d ) 2 ( a ) ( i ) This needs to be removed immediately! My credit has dropped and I have no acknowledgment about this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has made false statements and has lied to me. They have alleged they investigated my dispute and " verified '' that the disputes were accurate twice. I did not dispute based on needing verification of debt. I laid out specific laws that Transunion and those companies have violated and for TransUnion to investigate based on those laws. In my discussion with TransUnion 's chat agent who submitted my dispute, after telling her why I disputed the accounts and the associated laws I was disputing those in accordance to, I verified with her to ensure my dispute was based on what I said and she stated that she submitted it as I disputed it. A few weeks later go by and I get a missed voicemail from Transunion Telling me that my dispute was complete and the items had been deleted and XXXX was corrected to XXXX. I confirm with another agent because my credit report did not change. This agent confirms that Transunion did not go by my original dispute but investigated on other terms and reasons Transunion had established. Transunion has now falsely stated that they verified information when I did not request verification and I was lied to by the original agent who submitted my dispute. I have reached out via email to complain about these misleading practices to their Vice President of Consumer Relations XXXX XXXX twice and never heard a response from her. The executive team has now relaunched a third investigation claiming that they could not see my supporting documents. This has hurt my credit worthiness and has damaged my potential to obtain sufficient and adequate housing. It is not okay for Transunion to be deceptive when it comes to Consumers disputing items especially when they are blatantly lying about what they are basing their investigation on. If a consumer submits specific reasons for disputing inaccuracies and error Transunion should not disregard those specific reasons and come up with their own.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. 
There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by CREDENCE RESOURCE MANAGEMENT, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what CREDENCE RESOURCE MANAGEMENT. This debt collection agency is reporting {$280.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by CREDENCE RESOURCE MANAGEMENT in direct violations of the FCRA. I have discovered that the CREDENCE RESOURCE MANAGEMENT fraudulent account. I need proof of a wet signature of an application w/ CREDENCE RESOURCE MANAGEMENT and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. CREDENCE RESOURCE MANAGEMENT has accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.