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

On XX/XX/XXXX there is a hard inquiry by ( XXXX XXXX ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXXtx ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX XXXX ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK AUT which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK AUT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, XXXX, XXXX, XXXX XXXX and Grant & Weber collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, XXXX, XXXX XXXX OR GRANT & WEBER MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Product: Debt or credit management

I enrolled in the National Debt Relief in XX/XX/year>2023. Since then I have made a payment of $ 284 monthly totaling {$3100.00}. To date they have paid {$410.00} to my debt XXXX. I only have {$400.00} in my debt saving account with XXXX which was an account appointed through National Debt Relief. That means National debt relief has been paying themselves over paying my debt collecting agencies and by a lot. When I spoke to them they stated because they were able to negotiate an amount with my XXXX they are due those fees even tho none of my debt XXXX have been settled and paid. They refused to refund me anything besides {$400.00} that was in my account.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s 2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.
Product: Debt collection

I received a debt collection letter in the mail with my first name and someone else last name and this collection is on my credit report. I never lived at the address that the services provided nor has I ever had an account with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm tired and very frustrated of disputing the same two incorrect Addresses listed on my credit report. I've sent numerous disputes removing these inaccurate/incorrect addresses which have been removed previously only for it to be put back on my report. I need EQUIFAX  TO STOP reporting false/fraudulent and incorrect information to my credit file. This is my final attempt to reach their dispute/complaint department requesting to make corrections and remove them. I just submitted my last and final dispute request via their online dispute portal with CONFIRMATION NUMBER : XXXX. If this issue is not resolved via this complain I will move forward with litigation with the district court for negligence on their duty to reasonably investigate disputed incorrect information. I've attached my ID for verification of current address and identity
Product: Credit reporting or other personal consumer reports

XX/XX/2023 clarity services received my dispute that I mailed in. I sent in a copy of my drivers license, Social Security card, proof of residence, and all the paid in full letters. I spoke to a representative in XXXX. Who told me they were still working on the dispute. Then I called back XX/XX/XXXX and she admitted that they had the dispute over 30 days and didnt complete it. I have voice recordings from them showing that they are in the wrong. I will also include reference numbers from almost every time I called, requesting a supervisor. Ive been calling for two months and a supervisor wont call me back. Plus, they never processed my dispute. 

- [ ] Clarity services- spoke to in first part of XXXX as well as XXXX XXXX admitted it was over 30 days! 
- [ ] Clarity supervisor Tuesday or Wednesday case # XXXX - [ ] XXXX XX/XX/XXXX clarity services- [ ] XXXX clarity XX/XX/XXXX 6
Product: Student loan

I graduated with a XXXX 's in 2012. How the school handled the financial aid in the first place is another story. However, I graduated with a substantial amount of debt. Since graduating, I have been on an IBR. I believe I went into forbearance 2 times. I do not miss payments and often pay more than the minimum due. However, I have noticed that my total student loan balance continues to increase by about {$300.00} every month. I have been told it was interest- which is why I try to pay more than the minimum when I am able. If I go in and assign how a payment is allocated, the payments automatically generated are less than half of the balance that increases each month. I now owe a few grand more than when I graduated 6 years ago despite being on good terms the entire time. I see this on my credit report and it's very daunting being a single mother with XXXX kids and still sinking every month despite paying more than what is asked of you.
Product: Debt collection

Response to CFPB Complaints Regarding Marcadis Singer P.A., XXXX XXXX XXXX, and XXXX On XX/XX/XXXX, I submitted CFPB Complaint ID XXXX, requesting the original agreement from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX '' XXXX. Despite a billing error with the original creditor, XXXX XXXX ( " XXXX '' ), and XXXX, you have failed to provide the requested documents or address this issue. 

In CFPB Complaint ID XXXX, Marcadis Singer P.A. ( " Marcadis '' ) failed to prove ownership of the alleged debt. I dispute any and all debts claimed to be owed. Under 15 U.S.C. 1692g ( b ), collection activities must cease unless you produce definitive proof of ownership, including the full chain of title and purchase agreement. Failure to do so demonstrates a lack of standing and constitutes violations of the FDCPA and FCCPA. 

Additionally, XXXX XXXX, as a lawyer with your firm, qualifies as a debt collector under XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). He and all other parties involved will be held accountable for willful violations of the law. 

Without the chain of title, as confirmed in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ), you lack legal standing to enforce this debt. Your actions are causing ongoing harm and distress. 

Failure to provide the requested documents will confirm your agreement for me to pursue legal action against all parties involved. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

RESUBMISSION WRONG LOCATION WE WANT COPIES OF THE LIS PENDENS FROM XXXX MORTGAGE FOR THE HOME LOCATED AT XXXX XXXX XXXX, XXXX XXXX  XXXX, A COPY OF THE LETTER OF ABANDONMENT FROM THE BRC TRUSTEE AND THE MOTION TO LIFT THE AUTOMATIC STAY WHICH YOU VIOLATED. XXXX WENT TO THE HOME AND CHANGED ALL OF THE LOCKS AND PLACED A LOCK BOX ON THE DOOR, THE HOME WAS NOT PHYSICALLY ABANDONED. THE ELECTRIC WAS ON IN OUR NAMES AND I WAS IN AND OUT OF THE HOME RESTORING IT. THIS IS WHY IT CITES OIN MY WIFE 'S BR RECORDS THE HOME WAS ABANDONED.XXXX TOTALLY VIOLATED THE STAY WILLFULLY! .WE RECEIVED ADDITIONAL INFORMATION WHICH WAS TOTALLY SHOCKING REGARDING THE PLAYERS WITHIN THE BRC INVOLVED ON MY WIFE 'S CASE. NOW EVERYTHING MAKES SINCE AND THE PUBLIC NEEDS TO BE INFORMED. IF IT HAPPENED TO US WE KNOW THERE ARE THOUSANDS OF OTHERS IN EACH STATE XXXX XXXX HAS OFFICES, WHICH HAVE AND ARE GOING THROUGH THE SAME SCENARIO. THIS IS NOT US JUST TALKING! According to the US Trustee Office, An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, punitive damages. Well, EVERY CRIMINAL ENTERPRISE STATED WE RECEIVED LOANS ON EACH OF OUR PERSONAL PROPERTIES BUT, WE DID NOT! My wife filed Bankruptcy WHICH SHOULD HAVE NEVER BEEN FILED. Our properties were abandoned by the BRC Trustee XXXX XXXX XXXX citing no equity. Furthermore, if we were paying the mortgages on the home why would there be no equity. The answer is BECAUSE WE NEVER RECEIVED ANY LOANS ON ANY OF OUR PROPERTIES SO, IT WAS AS IF NO MORTGAGE WAS PAID. OUR MONEY WAS STOLEN! The trustee abandoned EVERY PROPERTY, LAWSUIT ( MY WIFE 'S COMPANY FILED A LAWSUIT AGINST THE STATE OF AND THE XXXX XXXX WAS STOLEN BY THE STATE OF GEORGIA VIA HER COMPANY 'S REPRESENTING ATTORNEY, XXXX XXXX LOCATED IN XXXX XXXX ), HE ABANDONED MY AUTO ACCIDENTS BUT LATER STATED HE APPROVED ONE OF HER COLLEAGUES TO REPRESENT ME XXXX XXXX WHO LATER TERMINATED ME BECAUSE THEY WERE AWARE OF THE DRIVER WHO HIT ME COMMITTING SUICIDE ). AS FAR AS WE ARE CONCERNED THEY WERE A PART OF HIS DEATH!! ACCIDENT DATE XXXX HE COMMITTED SUIDCIDE OF XXXX. ( EXTRA INFO ) Back to the topic at hand,. The properties since abandonment should have been returned back to my wife, XXXX XXXX XXXX The trickery of a LIFT OF STAY. How can a judge approve a lift of stay KNOWING THERE WAS FRAUD AND AN INVESTIGATION IS REQUIRED. DO THEY REALLY THINK WE ARE STUPID? TO TOP IT OFF EACH HOME HAD A RECORDED LIS PENDENS ' ATTACHED TO EACH. IF WE HAD OR RECEIVED A LOAN THE LIS PENDENS NONE OF THE HOMES COULD NOT BE SOLD UNTIL THE LIS PENDENS WAS SATISFIED. THE HOMES WAS STOLEN PRIOR TO MY WIFE 'S DISCHARGE XX/XX/2022 ( WHICH IS MY B-DAY ). I THINK THE BRC WAS ATTEMPTING TO BE HUMOROUS. GIVEN THE EVIDENCE VALIDATING THE CONNECTION BETWEEN XXXX, ALDRIDE PITE, THE BRC JUDGE AND TRUSTEE. ALLOW THEM TO LAUGH! SO, IF WE HAD A LOAN WHERE IS THE MONEY PAID MONTHLY FOR XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. THE LIS PENDENS ' HAD TO BE SATISFIED AND PAID DIRECTLY TO US!
Product: Credit reporting or other personal consumer reports

Student loans were forgiven on XX/XX/XXXX. They were reported erroneously as a charge off. Loans were forgiven under the American Rescue Plan Act of XXXX.
Product: Checking or savings account

I have contacted a person for apartment, she is asked me to send the deposit then I have her deposit in three transactions through XXXX Transfer, later she is answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

We issued a check in the amount of {$80.00} to pay for gas at a local gas station that uses a service provided by Certegy to verify the validity of checks. The check was refused by Certegy and we were given a code number ( 2 ) and phone number ( XXXX ) to call to get information as to the reason why. When we called the number supplied, the customer service rep could not explain why the check was denied, only stating that there were three reasons but that they could not give us any information on those reasons. I requested a review of the denial and correction of any incorrect information that may have led to the denial, but the customer service rep stated that there could not be any review or correction once an account was denied, and that there was no way to file an appeal. I went to Certegy 's website and could not find any information as to how to review a denial or correct incorrect information that may have led to the denial. We have had this checking account for over 50 years and have NEVER issued a bad a check. Our bank is able to confirm that there are adequate funds in our account to cover the check.
Product: Credit card

On XXXX XX/XX/year>, I called Capital One via their toll-free number ( XXXX ) at XXXX eastern time. The reason for my call was that I noticed my interest rate on that date wasXX/XX/XXXX My credit rating at the time was over XXXX and I had no payment due to Capital One. I first went online to submit a request for the reduction of my interest rate. Not being able to find and way to submit my request online, I then called ( date, time and number stated in first sentence of paragraph ). I spoke to the customer representative, and she informed me that Capital One does not allow individuals to request lowering their interest rate. I then asked to speak to a supervisor. I spoke to the supervisor, and he stated that there was no formal mechanism to make such a request and that it was the policy of the agency ( Capital One ) not to take any such request from anyone. He stated this was agency policy and that my rate was set in conjunction with the prime rate. I told him that this policy seemed unfair because Capital One reserved the right to raise my interest rate anytime with no notice but refuses to even provide me a mechanism to submit a request to lower the rate. Though it would be Capital One 's right to refuse any request ; not allowing a mechanism for a request, appears, in my opinion, to be predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious uncooperativeness. I'm including the items which still remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} FXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ''
Product: Debt collection

My outstanding loan with XXXX XXXX was passed on to Admin Recover LLC. I received a letter about the debt and responded asking for verification of the amount owed ( which I believed to be incorrect ). Before my letter was received, XXXX XXXX from this place called me, called my friends and called my family leaving information that I am in trouble if I do n't call back. I do n't believe he should be calling all of those people. He left me XXXX voice mails before starting to call all of these people and discussing my " case ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Money transfer, virtual currency, or money service

I am 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XXXX EST, XX/XX/2020, I accessed Equifax 's My Equifax portal at https : //my.equifax.com/membercenter/ # /login to unfreeze my credit report. Upon logging in, filling out the form to unfreeze my credit report, and submitting the form, I was directed to a page stating that my request was unable to be completed, and to give them a call. 
I gave Equifax a call on the provided number, and used the automated self-service respondent to attempt a credit unfreeze. Upon completing all of the requests and providing all the necessary data, the self-service tool informed me that it too was unable to process my request to unfreeze my credit report, and directed me back to the website.
Product: Debt collection

Was contacted by XXXX regarding a debt from a loan company balance credit in the amount of {$2400.00} for a {$600.00} loan. First call I received at my place of employment was from XXXX XXXX a government compliance officer that was going to come to my home or job to serve me court papers left message on my work phone my moms phone and my personal phone with my personal information including my social security number. Talked with XXXX from the number XXXX. Made arrangements made 3 monthly payments of {$240.00} and one payment of {$170.00}. Well after doing research balance credit is not a legal loan in Ohio so I was only responsible for the principle balance so I stopped all future payment. This company harassed and makes threats and also pretend to be government worker used to threaten people into over paying on debts. They also would provide me with proof of the debt in written and threatened that if I didnt pay they would sue me without debt verification