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

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate this inquiry that I believe is reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiry in question so that you may do as you are governed by the FCRA. I have tried to contact this company on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. This company that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Consistent misallocation of payments, resulting in frequent past due notices and late fees. All attempts at resolving the issue with Navient have failed. I have a year of statements proving our payments were made on time, and that Navient cashed every check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Experian dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to Experian and that their court does not even have a subscription to report to ANY credit agency. I feel that Experian is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in Experian using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.
Product: Checking or savings account

I have applied for numerous checking accounts and credit card accounts in the last 6 months, only to receive the same denial reason almost every time from every company : inability to verify my identity. Despite trying everything with all three bureaus, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I continue to be denied for both personal and business accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$1000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that XXXX XXXX has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, XXXX has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. XXXX XXXX has violated laws in trying to collect a debt.
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX ignored my documents and evidence submitted in credit disputes, also they allowed previously deleted inaccuracies to be reinserted into my credit reports, provided confusing and conflicting letters to me about the results of its investigations, and used flawed software code which led to inaccurate credit scores in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors.

3 different open dates reported ; 3 different date of last activity dates reported ; Transunion reports XX/XX/XXXX ; but XXXX  reportsXX/XX/XXXX, and XX/XX/XXXXreports the DOLA as  XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX XXXX XXXX USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau of Hudson is reporting a fraud account on my credit. I didn't open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my Driver License. Please remove this account from my credit profile as the account is not mine
Product: Money transfer, virtual currency, or money service

Robinhood app allowed scammers to spend money on a debit card I never received or used. These scammers made purchases in XXXX with XXXX  merchants, a country I never been before. I lost around {$700.00}, overdrafting the account and now Robinhood claims I am borrowing from margin for these fraudulent claims. Robinhood has no customer service to speak of and if you report these fraudulent charges, all you will get is a stock response in your e-mail claiming they will respond in some unknown time later. They have no phone number to call to confirm whether someone is even monitoring their fraud system.
Product: Credit card

Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All XXXX Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
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  # XXXXXXXX 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

I am currently disputing inaccurate details within my credit reports and urge you to conduct a thorough investigation. Specifically, I request the removal of any false, incomplete, outdated, or unverifiable biographical information. This action is essential to ensure the accuracy of my records and to mitigate the risk of identity theft or erroneous file amalgamation. 
these accounts are closed but is was last reported XX/XX/XXXX as negative. This inaccurate and false reporting. Ive worked extremely hard to pay my bills and keep my consumer report in tact. These negative accounts are causing me denials for opportunities I should be considered for. 

Im requesting you to delete these inaccurate accounts before I have to exercise my Federal private rights of actions in court. 

How can these be negative and late if closed in XXXX but reported XX/XX/XXXX as a negative ITEM. 

Dept Of Ed/Nelnet Account Numbers 1 . XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Last Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/XXXXXXXX XXXX I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit reporting or other personal consumer reports

I would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of MAY and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.
Product: Checking or savings account

My refunds are pending, why arent they directly deposited into my account? Im a Bank of America customer, my account isnt reflecting your policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax informed me that XXXX XXXX had pulled my report. 

I did not request XX/XX/XXXX to do so. They opened a charge account, days later I received a statement for {$300.00}. ( See copy of statement ) I called XX/XX/XXXX and asked about this, they had my proper mailing address as listed on the statement. However, they did not ship the items to the address on the statement, but to another address, not in Florida. They would not tell me the address. 

The items purchased were, sheets, boots and perfume. I did not purchase these. 

I completed a fraud report for Equifax and mailed ( see copy ) and I also filed a report with the local Sheriff department ( see case # ). Both the Equifax and the local Sheriff dept. directed me to also file this report with the FTC Thanks for your help. 

My name XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage balance was $ XXXX and I had originally purchased my home for $ XXXX. When my income unexpectedly stopped in XX/XX/XXXX, I immediately listed my home for sale, as I knew I would be unable to afford my mortgage payments. As it was the height of the housing crisis and banks weren't lending, I was unable to sell my home and recover any of my equity. In XX/XX/XXXX, I was no longer able to pay my mortgage as I had no income, had exhausted my savings keeping up with mortgage payments and could not find employment. After 3 months in XX/XX/XXXX before foreclosure was initiated, I received a settlement from a class action and contacted XXXX XXXX, the servicer, to satisfy the arrears and get current, hoping that the market would recover somewhat and I would be able to sell the house. XXXX XXXX told me they would not accept the payment. It has been 10 years. I was constantly applying for hardship loan modification once I found employment since my mortgage was 6 7/8 % interest only with no success. At the ultimate foreclosure trial in XXXX, the judge ruled that since I provided evidence that corroborated the banks ' unwillingness to take my payment & avoid foreclosure, they could not accelerate the mortgage. As the market recovered, I have always had some equity in the house and found buyers to pay off the mortgage but obfuscation and withholding of information by the bank interfered with the process. XXXX XXXX kept me tied to a house I couldn't afford so that now, I am actually underwater on the mortgage. XX/XX/XXXX, a new servicer was assigned to the mortgage and I attempted to work with them on a short sale. I immediately found a cash buyer for $ XXXX when the mortgage balance they were looking for was $ XXXX. It has been 3 months of runaround. I had 2 backup offers that I lost because of the delays and runaround from the servicer. This is a nightmare. I have lost everything I invested and the bank is making almost a 100 % return on their $ XXXX investment. They claim not to receive information, misplace or lose records and plain out lie. Meanwhile, every month they are looking for an additional {$2900.00} of my equity for a mortgage payment. I have done everything I could to try to satisfy the loan. get out of a home I can not afford to maintain, and recover some of my original equity for almost 10 years. I am almost XXXX years old, raising my granddaughter alone after the death of her mother from XXXX and need to get control of my financial life. My situation is complicated but I need help and feel that there is no one to go to. The legal system failed me. The attorney 's & realtors I work with are similarly frustrated. I don't know how these banks are able to do this to a person. The only one who is losing anything is me and I could really use some help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX  XXXX XXXX XXXX XXXX XXXX 4. ) Contract Callers # XXXX 5. ) XXXX XXXX # XXXX XXXX 6. ) XXXX XXXX XXXX # XXXX 7. ) XXXX XXXX XXXX  XXXX # XXXX 8. ) XXXX XXXX XXXX  # XXXX 9. ) XXXX  XXXX # XXXX 10. ) XXXX XXXX  # XXXX 11. ) XXXX XXXX XXXX XXXX # XXXX 12. ) XXXX XXXX XXXX # XXXX 13. ) XXXX XXXX # XXXX 14. ) XXXX XXXX XXXX # XXXX 15. ) XXXX XXXX XXXX # XXXX 16. ) XXXX XXXX. # XXXX17. ) XXXX XXXX XXXX # XXXX have violated my rights. 1

5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction.. Also, there is hard inquiries on my credit files that I did not authorize. I attempted to resolve this wi
th the Credit Reporting Agency and with each company that pulled my report to no avail. They have both refused to remove these inquiries that I did not authorize and it it negatively affecting my credit. The following are the companies that have illegally pulled hard credit reports on me. 
1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. ) XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX 3. ) XXXX XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 6. ) XXXX XXXX XXXX XX/XX/XXXX 7. ) XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. ) XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11. ) XXXX XXXX XX/XX/XXXX 12. ) XXXX XXXX XXXX XX/XX/XXXX 13. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 14. ) XXXX XXXX XXXX XX/XX/XXXX 15. ) XXXX XXXX XXXX  XX/XX/XXXX 16. ) XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 17. ) XXXX XXXX XXXX XXXX XX/XX/XXXX 18. ) XXXX XXXX XX/XX/XXXX,. XXXX 19. ) XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

I'd like to emphasize that the failure to complete a proper investigation into the disputed items on my credit report is not due to any lack of effort, documentation, or communication on my part. I have diligently followed the protocols outlined by the Fair Credit Reporting Act ( FCRA ), including the submission of all requested documents like the identity theft affidavit and police report. Despite having provided all the necessary information within the required timelines, the investigation remains incomplete, and certain issues have not been rectified.

It is crucial to note that under Sections 611 and 623 of the FCRA, the responsibility for conducting a thorough and timely investigation lies solely with the credit reporting agency and the data furnisher. Their failure to do so within the mandated 30-day period constitutes a violation of federal law. Such an oversight should not be blamed on the consumer, particularly when said consumer has made every effort to cooperate and provide all requested documentation promptly.

This lack of timely resolution negatively impacts my financial well-being and violates my rights under the FCRA. As such, I reiterate my request for immediate action on the aforementioned issues. Your prompt attention to correct these shortcomings is not only crucial for my financial health but is also mandated by law.

It is deeply troubling and unfair that despite having done everything within my power to prove identity theft, I am the one paying the price for someone else 's criminal actions. I have submitted all the necessary documents, including a police report and an identity theft affidavit, to not just prove that fraud has occurred but also to protect my legal rights. The emotional and financial toll this has taken on me is significant. My ability to secure credit, rent a home, or even secure employment is being jeopardized through no fault of my own. It is unacceptable that even after demonstrating that my identity was stolen, I must still contend with an incomplete investigation and a credit report that does not reflect the truth. This is not only a gross violation of my rights under the Fair Credit Reporting Act but also a failure of the system that is supposed to protect consumers from precisely this kind of victimization. Therefore, I strongly urge you to promptly rectify these issues in compliance with federal law and ethical responsibility.
Product: Credit reporting or other personal consumer reports

NR/XXXX/XXXX  REPORTED A LATE PAYMENT ON MY CREDIT WHICH IS FALSE. THIS HAS HURT MY SCORE SEVERLY
Product: Debt collection

CACH , LLC XXXX XXXXXXXX XXXX  XXXX, SC XXXX failed to verify the debt prior to reporting the debt to CRA 's. Disputed account information continues remains on CRA 's consumer credit profile.
Product: Debt collection

Aargon Collection Agency is repeatedly trying to collect on a utility debt that does not belong to us. We have told them that the property was sold two months prior to the incurred charges but they keep hounding us. They have also reported us to XXXX  which is impacting our livelihood. Please help.
Product: Mortgage

Citibank line of credit My wife and I applied for a line of credit to pay for a kitchen remodel $ 10- {$30.00} Whatever would be available to us. 
Over a lengthy period of several months Citibank themselves increased the amount to over $ 80k and then turned the loan into a credit consolidation loan. 
In a very contrary move they have now just denied the $ XXXX loan on the grounds that we dont earn enough and a FICO score that they supplied of XXXX. 
We also own our $ XXXX condo outright with nothing owed and earn circa $ XXXX a year. 
We at no point asked for XXXX, that figure was pushed onto us by various employees at Citibank, we did and still only actually need between 10-30k! 
Is this legal for them to push the amount up themselves over $ 50k and then refuse Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On X/XX/2017, Equifax announced publicly that many consumers credit reporting information was breached. I went to the equifax website to enter the last 6 digits of my social security number to find out if my information was part of the breach. The Equifax system confirmed that it was ( i have a screengrab of it ). Due to Equifax 's lax security, my information has been compromised. I called the company to follow up but kept getting rerouted to different extensions and to dial other XXXX # s that also belong to Equifax. I was unable to request the credit freeze as they advertised on the Equifax freeze website as I could not get to the 'proper ' person! 
Consumer information is to be protected, and through no fault of my own, Equifax systems were compromised. Due to their insecure systems now i have to put a freeze on my credit and monitor that no one misuses my information!