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

I have been back and forth with Equifax for since XXXX. They only do a portion of what I request then don't respond/ignore my other requests. 

I have XXXX accounts reporting inaccurate and negative information that is causing me great harm. I need these accounts deleted and removed immediately as I have no business with them and they are absolutely due to Equifax 's negligence in keeping my consumer information private. 
These accounts are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I sent letter asking for removal of these accounts on XX/XX/XXXX. 
I have also tried to call multiple times and have encountered and endured long wait times with no resolution. This happened several times in XXXX. 

I have asked for my credit FILE as well as my credit report in the past. They have only sent my credit report. I would like to attain my credit file. 

Additionally, I can not access a downloadable version of my credit report from my equifax. When trying to go through free annual credit report, I can not get my credit report from equifax there either. This needs to be rectified immediately. 

I have reported Equifax to CFPB in XXXX. I will include in the attachments. Most of what I asked they continued to report fraudulent accounts as mine as I told them they were not mine. I asked for proof that they were mine. They ignored the question. 

I have sent an invoice for the violations they have tallied up against me. The number in XXXX was approximately XXXX violations and I invoiced for {$40000.00}. 

I have also submitted a claim online for the Equifax XXXX XXXX XXXX. I did that on XXXX. The claim number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$270.00}
Product: Debt collection

Starting receiving calls from out of the blue from this company, XXXX XXXX XXXX, from a guy named XXXX XXXX in XX/XX/XXXX, regarding a payday loan that was supposedly taken out in the amount of {$300.00}, from Riverbend Cash in XXXX, which is now out of business. I asked for written proof of this debt and was sent an email from a XXXX XXXX through XXXX sign, stating that the loan was sold to several different companies, none of which appear to be real companies as I did searches to locate. They want me to sign this. The only way I could get anything in writing was to tell them I would possibly pay them if I got proof. This company also does not appear to be a legitimate company and I have found many spam alerts regarding them. They have threatened to take me to court for fraud and told me I would be charged with a felony. They have called family members harassing them as well. I have told them to take me to court if they feel that it is necessary and to stop calling. Still receiving calls from them, but now from a blocked number.
Product: Debt collection

Midland Credit Management placed two collection lines on my credit report without providing me a chance to send a validation challenge. This was a brazen violation of my rights. 

I successfully got these lines removed from my credit reports as the documents that they presented ( eventually ) were clearly doctored and contained no identifying information that any of these lines were mine. This includes : lack of signatures, no ssi number, no birth date, etc. 

This company has now proceeded to harass me through XXXX XXXX XXXX ( their lawyer ) by threatening to sue me for an invalid debt, repeated phone calls numerous times throughout the day and by mail.
Product: Debt collection

CAPITAL ONE BANK USA sold my debt to XXXX XXXX XXXX. I paid XXXX XXXX XXXX and I was told that XXXX XXXX XXXX sent CAPITAL ONE BANK USA notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time CAPITAL ONE BANK USA replies, they continue to update that the amount is owed to them. I am attaching the letter from XXXX XXXX XXXX as evidence that the debt is paid.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX, and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

Yet again turning to the tenets of the Fair Credit Reporting Act, the section 604 subsection ( a ) .2 asserts the power of consent. It states that a consumer report can only be furnished under certain circumstances, the most crucial among them being the written consent of the consumer. In present circumstances, both the consumer reporting agencies XXXX and Experian, and the furnisher of information to credit agencies, lack any such endorsement from me ; neither in written nor in any other form. Henceforth, any form of consent to the aforementioned parties, be it verbal, non-verbal, written, implied, or otherwise, stands unequivocally revoked. 

The ethos of 15 USC 6802 ( b ) ( c ) stipulate that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 

Inflicting another breach, they reported an adverse account in violation of 15 USC 1681C ( a ) ( 5 ), which clearly states that reporting agencies can not publish any adverse item of information without specific authorization. This includes items which predate the report by more than seven years. 

The guidelines mentioned under 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibit the furnishing of any information that is known or believed to be inaccurate. Yet, contravening the law has become a frequent occurrence with these reporting agencies.
Product: Credit reporting or other personal consumer reports

There is no accuracy in the reports listed above, they denote fraudulent accounts due to their inaccuracies. 
Please delete these accounts from my credit report. 

In accordance with the fair Credit Reporting Act account # mentioned below, was violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my name and identity to purchase a truck Ive never seen or heard of. Now it is hurting me in my load process.
Product: Credit card or prepaid card

In 2017, I was paying my account as scheduled, and was carrying a zero balance. the company charged an annual fee that I was unaware of and thinking I was carrying a XXXX balance, I never bothered to check my account, and wasn't notified that they were charging the annual fee. Not until I got notified by mail of my account being closed, did I know that there was a charge and 90 days reported late on my Experian credit report. As my prior history shows, I value the credit process and was responsible. I continue to be responsible as my history shows. Id like for the late payments to be removed from my credit reports so I can continue to strive for my mortgage qualifications. Ive allowed for these marks to effect my chances for the past 3 years, and need to move forward from the experience. First Progress Card opened in XXXX XXXX reported on XXXX , then closed in XXXX and stopped reporting on XXXX   and started reporting on XXXX and XXXX XXXX XXXX I don't understand why that happened. but resolution would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information and provide me with copies of any documentation associated with these inquiries, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 





XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Equifax declines to remove these unauthorized inquiries ... creditor stated that their company could not remove and apologized for the trouble ....

XXXX is no better ; they have 11 unauthorized inquiries that they decline to remove ... and will not forward me any documentation bearing my signature ... creditor stated that they have no power and do not encourage bureaus to keep reporting unauthorized inquiries ... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I received an email from Bank of America wanting to verify/ confirm my email address. I thought it was a phishing scam and reported it. 

On XXXX I received an email from XXXX XXXX XXXX informing me that someone viewed my credit report. 

XXXX logged in saw that Bank of America had made a hard inquiry without my authorization. 

On XXXX I received a text message at XXXX from # XXXX. Congratulations, your Bank of America XXXX XXXX was approved. Welcome package and card ( XXXX ) will arrive within 14 days. 

XXXX @ XXXX contacted Bank of America XXXX department and reported the fraud and unauthorized authorization of a credit card and unauthorized hard inquiry of my credit history. Was advised it was for a XXXX XXXX credit card with a credit limit of $ XXXX. XXXX XXXX XXXX issued by Bank of America. Was also told that a fraud alert issued and card ( XXXX ) were cancelled effective immediately. 

XXXX I contacted XXXX to report the unauthorized hard inquiry by Bank of America. Provided them with the B of A fraud case #. XXXX notification sent to all XXXX credit bureaus ; including XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XX/XX/XXXX Here are the requested documents to remove my credit freeze so I can reset my Experian account and take care of my financial business.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I checked my credit report on XXXX and Trans Union and noticed a debt of {$2100.00} listed from XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. I disputed this debt through a letter dated XXXX XXXX requesting XXXX  to remove the remark indicating I no longer disputed the debt and to notify the credit reporting agencies. XXXX received my letter on XX/XX/year> at XXXX, via certified postal mail XXXX but they failed to remove the remark or inform the credit agencies as requested. 

Despite my clear instructions, XXXX XXXX XXXX XXXX XXXX did not take any action to update my credit report or notify the credit reporting agencies that I no longer disputed the debt. This inaction has negatively impacted my credit score and caused me significant emotional distress, including feelings of humiliation and mental anguish. 

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 15 U.S.C 1692e ( 8 ), by not informing the credit agencies that the debt was no longer in dispute. Because of this violation, I am seeking compensation for the damages and costs I have incurred as a result of their failure to act appropriately.

I am willing to pursue all legal remedies available to me, up to and including litigation, to hold XXXX XXXX XXXX XXXX XXXX accountable for these violations and to ensure they are required to compensate me for the harm caused to my credit standing and personal well-being. I am committed to seeking a fair resolution to correct these issues and prevent further damage.
Product: Debt collection

Was contacted by Premier Student Loan Center by phone on or around XX/XX/2018 stating they were able to provide a simple payment plan for me of {$230.00} for five months then payment plans of {$40.00} until full student loan was paid off. 

First debit of {$230.00} was taken out of my checking account ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XX/XX/2018, XX/XX/2018 and the last payment of {$230.00} was taken out ( via debit card ) on XX/XX/2018. 

First debit of {$40.00} was taken out of my checking ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XXXXXX/XX/2018 and the last payment of {$40.00} was made XX/XX/2018. 

I realized that Premier Student Loan Center was not in any way connected with the Federal Loan Department and stopped payment from Premier Student Loan Center and changed my debit card number.
Product: Credit card or prepaid card

HI & HOW'S COVID-19? I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 for 30 days? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the items be investigatedto DELETE the accounts DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I possess no information on this matter, and the company acted without my authorization.
Product: Credit reporting or other personal consumer reports

I am filling additional information for this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for inaccurate credit reporting, failure to properly investigate disputes, and failure to honor a prior agreement to remove late payments. 

XXXX has incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX on my credit report. However, I have documentation proving that these reports are inaccurate. 
XXXX. XX/XX/XXXX Late Payment : My XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  statement ( attached ) confirms that I was not past due during this billing cycle. The statement explicitly shows XXXX XXXX XXXX : {$0.00} as of XX/XX/XXXX, yet XXXX reported a late payment for this period. 
XXXX. XX/XX/XXXX XXXX XXXX : While I am currently unable to retrieve my XX/XX/XXXX statement, I believe this late payment is also incorrect. I have requested access to this document from XXXX but have not received a response. 

Additionally, I have a previous dispute resolution document from XXXX XXXX, confirming that XXXX agreed to remove these late payments. However, despite this agreement, XXXX later re-added the late payments and continued to report them inaccurately. 

I also previously disputed these inaccuracies with the credit bureaus, and instead of properly investigating and correcting the errors, XXXX XXXX altered the reported dates, as reflected in multiple versions of my credit reports. These actions raise serious concerns about XXXX compliance with the Fair Credit Reporting Act ( FCRA ) and its obligation to ensure fair and accurate reporting.
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. 

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 XXXXXX/XX/XXXX - BALANCE {$2000.00} 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 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 XXXXXX/XX/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: Debt collection

I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.
Product: Debt collection

I have contacted GLA on numerous occasions via mail and certified mail and they refuse to acknowledge me or any wrong doing. They are reporting to my credit reports a collection for a bill that was never billed to me. I have never received a bill from this provider and given the opportunity to pay. They have illegally obtained my name from this provided and have violated my HIPPA rights. I would like to see my signed signature stating I have released these records to this company to pursue payment. I have disputes through the credit bureaus and they have also refused to remove from my reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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

Hello my name is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Product: Mortgage

In XX/XX/XXXX, after hurricane Irma, I contacted Mr. Cooper to obtain an extension on my loan. My previous experience with and understanding of how loan extensions work is that usually several months payments are pushed to the end of the loan and the interest amount due is added to the principle balance, making those payments come due at loan maturity date. This was my understanding of what was going to transpire when I contacted Mr. Cooper and what the representative at Mr. Cooper led me to believe was going to take place if I met the terms of the agreement. I received a follow-up letter from Mr. Cooper dated XX/XX/XXXX approving my request and confirming our agreement. The letter states that the agreement begins on XX/XX/XXXX and that I am to pay XXXX dollars for the first 2 months, ( XX/XX/XXXX and XX/XX/XXXX ) and then {$250.00} per month for another 2 months ( XX/XX/XXXX and XX/XX/XXXX ). I met the terms of the agreement and made the required payments of {$500.00} on time as stated in this document. Then, inXX/XX/XXXX after this 4 month plan ended I began making my normal monthly payments on the loan. I made XX/XX/XXXX and XX/XX/XXXX but when I sent the XX/XX/XXXX payment in it was refused and refunded to my checking account. It was at this time that I started getting letters demanding the payments in full that I had skipped during the 4 months, and threatening to foreclose and they would not accept any more payments from me. In fact they rejected my XX/XX/XXXXpayment and returned it to my bank account. I have been assigned to numerous account representatives all of whom have been very unresponsive. I finally did speak to someone and was told there was a meeting in XX/XX/XXXX by the management, several months after Mr. Cooper had agreed to assist homeowners, and they had a change of heart on assisting any homeowner that was past due at the time the agreements were made. They also told my daughter the same thing when she called. So, several months after pulling all these homeowners into this forbearance agreement, they decided not to honor the agreements they had made with those homeowners who were past due at the time of offering assistance and that they were going to issue demands for payment of all the funds they had told those homeowners not to pay for 4 months. So, once they pulled them in, got them further behind by deceiving them with these agreements, they then decided to send demand letters and foreclose. These are deceptive, unethical and possibly illegal practices on the part of Mr. Cooper. How can they entice homeowners into not paying their mortgage payment, pulling them further into arrears, enough so that they had grounds for foreclosure? You cant make an agreement then decide several months later in a meeting that you are going to change the terms of those agreements after you led the mortgage holders to believe that they were being offered assistance. I would like Mr. Cooper to do what they told me they were going to do and extend those payments to the end of my loan. You may correspond with me or my daughter.