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

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on XXXX, 3 inquiries on Equifax and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from Equifax on XXXX with my full Equifax report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form XXXX  and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw Equifax removed 16 of the 19 fraudulent accounts, XXXX  removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX and XXXX. Equifax removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 6 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I submitted my claim as -borrower with XXXX XXXX he received a settlement I have not. I am XXXX XXXX I need to know why I did not receive a payment also?
Product: Debt collection

I 've tried numerous times to remove this debt that does n't belong to me from this company, diversified solutions. They sent back information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a valid dispute to Equifax due to 30+ items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain On XX/XX/2019 I mailed a 2nd request to Equifax asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed.

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

Equifax has continued to violate my rights. First by ignoring my 2 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Equifax updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Equifax updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Equifax did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.
Product: Student loan

I chose to pursue my  XXXX  and  XXXX  education in NYS, and then chose to work in jobs that serve our  XXXX  and   XXXX   XXXX   ( 501 ( c ) ( 3 ) ). In pursuing my degrees, I had to apply for federal student loans, originally through   XXXX   XXXX  , then Navient took over. Over the course of time, I was advised to consolidate my loans ( into two accounts : subsidized and unsubsidized ), During this time, and over repeated verbal contact, I repeatedly asked and continuously affirmed ( verbally via phone ) that the payment statuses and consolidated payments I made were applicable toward the Public Service Loan Forgiveness Program. Now I 'm told that the statuses and payments I 've made, during service to the communities I 've faithfully served, do n't count. I 've documented my contact with Navient, who of course, subsequently deny their representatives ' statements and I assume they 've omitted such documentation from their records. As an info systems professional, I 'm not surprised they think their denial is incontrovertible, yet they acknowledged employing people I identified during the time frame I describe below : For example, Navient employees advised, on or about ( includes, but not limited to  ) :  XX/XX/XXXX   : I was advised that none of my payments were applicable ; they apologized because this was a common complaint and they would only offer to " retrain/re-advise '' their employees as to how to advise customers.
  XX/XX/XXXX  :  per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement .  XX/XX/XXXX   : per  XXXX  - advised me that income sensitive repayments were applicable to public service loan agreement.
As stated, I did my due diligence, in good faith, and was repeatedly advised and understood that from the inception of the public service forgiveness program until   XX/XX/XXXX  that all my payments/payment status were eligible and applied toward the public service loan forgiveness program. On  XX/XX/XXXX  I reach ed out to an agency representing the public service loan forgiveness pr ogram, MyFedLoan.org, and was advised that my status and all the payments that I 've made on my consolidated loans are no t eligible for the program. A follow up call to Navient resulted in one of their supervisors acknowledging the error, confirming that I 've been " misinformed '' all these years, apologizing, and stating there was nothing they can do but advise their employees to provide the correct information from this point forward. Their recommendation was for me to re-consolidate and restart the 120 payment ( 10 year ) from scratch. Combined loans excee d   XXXX   XXXX  . To date, I  continue to dedicate myself to public service, particularly and proudly serving those who are " Always Ready Always There, '' who are often most likely to deploy to defend us all.
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX Chase XXXX offered a XXXX XXXX XXXX offering {$30.00} back if the card holder spends {$40.00} or more. On XX/XX/XXXX, I spent {$43.00} on XXXX XXXX but the promotion was not honored. I've attached the promotion and my XXXX XXXX billing history detailing. Below you will find my interactions with Chase XXXX trying to resolve the matter. 
XX/XX/XXXX spoke with XXXX and she said it was going in the right direction and would be honored, said give it until XX/XX/XXXX before following up. 
XX/XX/XXXX Spoke with XXXX about Chase XXXX XXXX charge of {$43.00} on XX/XX/XXXX, promo was spend XXXX or more receive XXXX back, XXXX said she would send to marketing/promo department and they would get back to me in XXXX days. XXXX stated it was going to be honored. 
XX/XX/XXXX XXXX XX/XX/XXXX a case was created, still being worked by back office, turnaround is up to 14 days with weekends could be XX/XX/XXXX XX/XX/XXXX XXXX- a letter has been sent over providing the response that it would not be honored and this was decided back on XX/XX/XXXX and didn't know why XXXX would have told me otherwise. XXXX sent me back to the general routing and I had to wait for a new agent. 
- XXXX XXXX - offer for " XXXX prepaid services '' but this promotion has limited information in the system that she can access. She said they have mailed me a letter, but I have not received as of XX/XX/XXXX. 
- Sent to supervisor and the wait was greater than XXXX XXXX call took over an hour - XXXX - can not be able to see the promotion, the reason for denial is that on their system, charge does not show as being prepaid, does not meet because the charge did not come through as a XXXX prepaid service, escalation has already been completed. They do not review what actually happened, they only review what their system states. Then she asked, " Anything else? '' This call on XX/XX/XXXX took XXXX hour and XXXX minutes and represents a bait and switch which is the action ( generally illegal ) of advertising goods which are an apparent bargain or promotion, with no intention of honoring.
Product: Checking or savings account

Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met. 
NOW THE WAIT - Rcv bonus <= 140 days from opening. 

After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer. 
I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back. 
Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.
Product: Debt collection

On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable.
2. National Banking Act.
3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act.
Evid XXXX XXXX XXXX.
ATTN : XXXX XXXX XXXX /dba C.E.O.
c/o XXXX XXXX XXXX  XXXX, OH XXXX Wells Fargo Bank N.A.
ATTN : XXXX XXXX XXXX  d/b/a C.E.O.
XXXX XXXX XXXX, XXXX XXXX, California XXXX
Product: Mortgage

Contacted mortgage lender and HUD RESPA Division XX/XX/XXXX with no assistance to correct document errors. CFPB beginning XXXX XX/XX/XXXX HUD- Director advised the Consumers to NOT CONTACT the Federal Regulator for assistance for enforcement of Violation EVIDENCE by the mortgage lender of TILA and RESPA LAWS AND REGULATIONS. 

Copies of CORRECT LOAN DOCUMENTS are requested for further actions by the Consumer.
Product: Payday loan, title loan, or personal loan

My account was previously linked to XXXX & PNC unlinked it without my request or permission and now can not relink and I usw this service foe othwr financial including credit building
Product: Vehicle loan or lease

I want these hard inquiries deleted. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX major credit bureaus are reporting false information about me and my financial status. There are multiple inaccuracies that need to be removed from my report as they do not belong to me. The following is a list of companies and the inaccurate information. 

XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 
XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXXXXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXXXXXX XXXX XXXXS XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX  XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXXXXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX  XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX ) XXXX XXXX ( This account does not belong to me ) XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX This account does not belong to me ) XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/1922 ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ). 

XXXX ) XXXX XXXX XXXX XXXX XXXX ( UNAUTHORIZED INQUIRY I DID NOT GIVE WRITTEN OR VERBAL PERMISSION ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates. 
Clerical or XXXX XXXX : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as XXXX and XXXX  days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CONTROL CORPORATI Reported : XX/XX/2020 {$140.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.