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

As Equifax 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. In addition during a recent meeting at the XXXX XXXX XXXX XXXX ( Small Claims Division ) on XX/XX/year>, Equifax corporate representative XXXX XXXX recklessly and maliciously left multiple copies of electronic dispute verification documents containing my full name, social security, address, date of birth, full account numbers etc. XXXX XXXX intentionally committed additional violations yet she carefully redacted all the last names of the representatives from the furnishers Equifax claims verified the disputed accounts. XXXX XXXX 's actions have put me at risk for further identity theft and as a result this violation and other violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p.

In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. 
XXXX XXXX XXXX1.pdf Equifax 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well .

According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from XXXX is not included on credit reports. 

The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of $ 600File Form 1099-C if you are any of the following. 

1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). 

Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. 

By intentionally reporting income as a debt when the alleged debts are not collectible, Equifax has not only disobeyed the FCRA, but Equifax is also conspiring with the furnishers to commit tax fraud and other violations.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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.
Product: Student loan

On XX/XX/XXXX I called Great Lakes and I asked them for a " Master Promissory Note '' ( with my signature ) Pertaining to all Loans that they had in there office. I was sent the document named ( XXXX XXXX ), and it is attached to this complaint. I have also included a screenshot of the email it was attached to. 

There are three Promissory Notes attached to this document. On page one, the " Master Promissory Note '' does NOT bare MY signature! Also, the document was also typed and could have been replicated at anytime.

The Second " Master Promissory Note '' on page 10, also does NOT bare MY signature! The document was also typed and could have been replicated at anytime.

The Third Promissory Note on page 13, is the SAME " Master Promissory Note '' that XXXX  attached to a complaint response, that I made to the Consumer Financial Protection Bureau. 

Response date was on XX/XX/2019 with attachment. 

How is it, that The SAME " Master Promissory Note '' is used for an entirely different loan? Please explain I recently found out that Great Lakes, XXXX and XXXX are all in the same. 

I fear that these documents that Great Lakes, XXXX and XXXX are submitting to the Credit Bureau 's and the Consumer Financial Protection Bureau as proof of loans, are being fabricated! Any document sent from any of these companies should be questioned in GREAT details and should not be trusted at first sight. 

I have expressed my concerns to Great Lakes, XXXX and XXXX and ALL they keep saying is PAY, PAY, PAY!! AND how wrong I am
Product: Mortgage

My husband and I had a home loan though caliber that under went a loan modification I believe there was a mistake mede and the loan reported as late several times we have tried to work with our creditors and were told there payments would not affect us I have tried to dispose the payment history but have not gotten a experience
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 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.
Product: Credit card

I have been a Chase Credit Card customer for XXXX and the former XXXX airlines miles club for over 10-years. On XXXX XXXX, XXXX my credit card valid through XXXX XXXX because I pay a yearly fee ceased to be accepted by at point of sale companies. I called Chase and they stated that they stopped accepting the credit card because I had not used a chip enabled card since XXXX XXXX. I stated that I had not received it and through exchange with the Chase, the chip enabled credit card was never in use. Chase stated that they have to send me a new chip enabled credit card with different account numbers. I stated to chip enable a credit card with my current account as I have all my utilities and banking transactions based on this card and to reactivate my old card ( re issue ) as the previous chip card was not used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Equifax about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Product: Credit card

XXXXXXXX XXXX Initiated a dispute with Citibank XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX for the following fraudulent charges : XX/XX/XXXX XXXX XXXX  {$49.00} XX/XX/XXXXXXXX XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX {$510.00} XXXXXXXX XXXX XXXXXXXX {$64.00} XXXX closed out my account and issued new cards with a different account number. 

XXXXXXXX XXXX  - I called Citibank back on XX/XX/XXXX and spoke with XXXX at XXXXXXXX XXXX XXXXXXXX. I was initially told by XXXX that XXXX had not initiated the dispute correctly and was unable to discern information from XXXX as to what happened and transpired with the mistake. She then assured me that their investigations team would work on this issue. I asked for immediate credit stating XXXX XXXX isn't even a company located in XXXX, CA and XXXX isn't a company I've ever done business with. I also told XXXX that I haven't been back to the NJ area since XXXX XXXX XXXX and have no idea what the charge is from XXXX. 

XXXX was extremely agitated by my insistence to want to discuss my issue with an onshore rep in the United States like I initially did with XXXX. She also told me that Citibank changed their policy last XXXX, XX/XX/XXXX and that no rep is allowed to transfer calls onshore for whatever reason.
Product: Debt collection

I received a collection notice in the amount of {$1400.00} USD from Fair Collections Outsourcing located at XXXX XXXX XXXX # XXXX, XXXX, MD XXXX on behalf of XXXX XXXX  in XXXX, Michigan. I received this notice by mail at my residence in NY on XX/XX/2019. I responded by phone on XX/XX/XXXX to get more information about the collection, at which time I confirmed the correct mailing address of my residence in New York. I did not believe the amount of collection was correct and mailed a letter indicating dispute of this amount on XX/XX/2019, as is within my rights under the Fair Debt Collection Practices Act. FCO was obligated to verify the debt before reporting the collection to my credit agency, but did not do so. A representative of FCO, XXXX, told me in a telephone conversation on XX/XX/2019 that the collection was reported to the credit bureaus on XX/XX/XXXX. This is less than the 30 days allotted for consumer dispute. In a recent telephone call with FCO a representative indicated that the verification letter that they sent was mailed to an address where I do not reside in CT, rather than my updated address which was given in XXXX. FCO proceeded to report the collection and failure of payment in the amount of {$980.00} to the credit bureaus without providing me with adequate verification in response to my collection dispute. {$980.00} is the correct amount of the collection, which was paid on the same day as I was made aware of the revised debt. As a result, my credit score fell significantly. Upon contacting FCO to notify them that their practices were in violation of the FDCPA they refused to delete the erroneous collection report that was forwarded to the collection bureau. I believe that it is injurious and malicious to have reported my collection before the 30 days that is allotted for a dispute, attempting to correct an amount grossly larger than the true debt, and refusing to correct a mistake that was reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Transunion Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXXXXXX ....
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me, and found unverifiable, invalidated, inaccurate, and fraudulent inquiries that your agency did not make sure were reporting 100 % correct.

These inquiries below are fraudulent and would like them removed immediately.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts violation of not reporting 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

See attached. 
National Credit Systems Inc provided me with an alleged agreement that was used to " validate '' this debt. This agreement is in clear violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
This agreement does not have the Required disclosures to OPT out of having my information reported. 
Furthermore, I have not been provided with a copy a dunning letter.
Product: Credit card or prepaid card

There are a series of fraudulent transactions totaling around {$1500.00} with interest, specifically related to XXXX XXXX charges, which I am unable to pay off. Although I have already reported this issue to your customer service team, I was informed that there is a lack of evidence to support the claim of fraud. 
I want to emphasize that none of these charges were authorized or made by me. As a responsible cardholder, I take great care to safeguard my financial information and maintain the utmost security measures. I have not engaged in any transactions with XXXX XXXX or made any purchases relating to gaming consoles or related services. 
Considering the gravity of this situation, I kindly request a detailed investigation into the fraudulent charges on my account. I urge your team to thoroughly examine the transactions in question and provide a comprehensive report of your findings. It is crucial to uncover the source of this fraudulent activity and take appropriate actions to rectify the situation promptly. 
To facilitate the investigation, I have compiled the following details regarding the fraudulent charges : 1. Transaction Date : First one was on XX/XX/2023 2. XXXX XXXX : {$9.00} 3. Transaction Description : Merchandise 4. Merchant Information : XXXX XXXX Security Dispute AdjustmenXXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccuracies in my credit report. 

I specifically want the detail process in which whom XXXX is verifying this information with?? 

XXXX Could Not Possible Verify With The Courts Listed At XXXX XXXX XXXX XXXX As I Contacted The Court Myself ( Written Proof Attached ) XXXX Also Did Not Verify With XXXX ( Written Proof Attached ) XXXX Also Did Not Verify With Pacer  ( Written Proof Attached ) So Please Provide Written Documentation As To Whom You Are Verifying This Information With?? Furnisher Name & Address? & If You Can NOT Provide Proper Documentation Delete Immediately From My Report & Mail Me A Updated Copy
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX XXXX XXXX XXXX  : XXXX XXXX. NAME : XXXX XXXX XXXX NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.
Product: Student loan

Time and time again, I have asked Navient to consolidate my loans to which they reply, we have only offered that option a couples times ... ever. I am also a cosigner on a loan and it has become impossible to get removed even when the person has several people to take my place on the cosigned loan. They are impossible to work with and quite frankly own a piece of my life for quite sometime. It 's frustrating, irritating and all around overwhelming.