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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Debt collection

A company called XXXX XXXX ' calls from a different number 2-4 times a day. Each time I block it another one pops up and this has been going on for about a year.
Product: Debt collection

I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. 
XXXX
Product: Debt collection

I received call from XXXX at XXXX XXXX from XXXX XXXX  representing Ace check cashing. I was advised that the line was being recorded she represented herself as a legal rep administering mediation. Advised that I was being sued for writing a bad check and it was XXXX that I was also facing criminal fraud charges fir an XXXX Violation. I could rectify it by making a payment of 50 %. I questioned the who the creditor was she stated it was Ace check cashing stated this was from XXXX ( Mentioned an old employer and bank ) I advised I had no idea what they were referring to I requested documentation to support these claims. The lady stated that they sent me the information via mail and this was my last attempt to rectify the situation I told them I had never received any such information she said its my word against the creditors. I said well id need the information to forward to my attorney. She then stated that she was going to transfer me to the legal department to file a dispute. Another lady got on the phone said she was from arbitration the documentation I was requesting was not available to me they would be placing me in check systems and I would get a notice to appear I would be served at my residence or current employer conversation ended. This is a clear violation of the FDCPA and This company contacted a family member regarding this requesting employment verification. I do not want them contacting family and my employers current or former I dont owe any debt to them and this is over 10yrs old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified on XXXX/XXXX/XXXX by the website that Equifax set up that I was potentially compromised in their recent security breach. I have not enrolled in their ID monitoring service.
Product: Debt collection

I made all my payments on-time, I never missed any payments. I called XXXX and they even confirmed I do not owe any balance. They can't tell me why they sent me to debt collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint through the CFPB regarding unauthorized inquires on my credit report. I attached an FTC report along with my id and I received a letter from Equifax saying they could not find me in their system by my information for some reason. I called today XXXX and spoke to XXXX and was told there has never been an FTC report attached to my file even though Equifax responded to the CFPB stating an investigation was completed under CFPB closed complaint XXXX. Then I was told I had to physically mail in a copy of the FTC report even though I was never told this by the other XXXX bureaus. The issue is Equifax responded to the now closed complaint they had completed an investigation. There are XXXX reasons why that is false. XXXX. I received a letter I couldn't be found in their system and XXXX. The response to the CFPB was different than what was on the documentation I received and XXXX. I called customer service and was told there was never an FTC report found or an investigation linked to my file disputing the inquires.
Product: Vehicle loan or lease

Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e
Product: Mortgage

This is a follow up to our complaint # XXXX. We contacted Wells Fargo and have now reached a dead end. Wells Fargo has given us an ultimatum of either we sign false documents or lose our home. Recently we spoke to a representative from Wells Fargo who was belligerent and heaped lies after lies. We requested not having to deal with her again. Our request was granted but today speaking to someone by the last name of XXXX he reversed what we requested. If we do not sign the documents that contain false information the Bank will return the funds the Federal Government helped us with through XXXX and then will foreclose on us. This is nothing short of blackmail. Either we sign false documents or lose our home. There was a representative we had spoken to who was belligerent and heaping more lies upon lies. On the person we requested not to have to deal with whose name is XXXX. XXXX XXXX has assured us that he will report to all the agencies we have complained to, that we have refused to communicate with Wells Fargo. I am reporting that this is a lie, it is only XXXX person at Wells Fargo we do not want to deal with. Beware of this lie that Wells Fargo is planning to tell you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Sequium Asset Solutions is reporting a debt that doesn't belong to me. This debt has been removed from all my credit reports 3 times in the past year. The collection that is being reported on my credit report is inaccurate. The XXXXXXXX XXXX XXXX debt does not belong to me. The XXXXXXXX XXXX XXXX debt belongs to XXXX XXXX who lives in Texas. This debt belongs to XXXX XXXX a Resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

I Have asked EXPERIAN to take off this derogatory information for quite a while and they continue to allow DEBT COLLECTORS to become an unauthorized user of my private non-public information, which is according to the XXXX XXXX XXXX ACT a violation, also this is called IDENTITY THEFT pursuant to XXXX. These CREDIT REPORTING AGENCIES HAVE GOT TO STOP THIS. I have over the years allowed this non-sense to continue and I have got to stop letting this crime go un noticed by an Agency that can assist me in doing the right thing. This going back and forth talking to these CREDIT REPORTING AGENCIES, allowing them to run me around in circles has got to CEASE AND DESIST. I did not give my permission for you to allow the entire XXXX to view and delve into my private affairs. It is my information I am the PRINCIPAL and I must put a STOP to the aiding and abetting, DEFAMATION, COMPLICIT, nature of my once being quiet about situations. These CORPORATIONS have got to be HELD ACCOUNTABLE for their negative connotations of Consumers Private Right of Action. I am going all the way, and if these CREDIT REPORTING AGENCIES do not do what I ask then, I will take it to the next level. For more than XXXX DECADES EXPERIAN has sent back Credit Reports Stating that this is a FRIVOULOUS claim and junk. But you will learn who the real money is and who has the real power this year. I am sick and tired of trying to be the nice XXXX, and allow this XXXX foolishness to continue. I have asked for the removal of this negative, erroneous, inaccurate, information and if not we will see what happens next. You are a service provider and that is it. I did not give you permission to bash me the CONSUMER pursuant to XXXX ( XXXX ). I have allowed you to have my information if I take it out of the loop, you will see what will happen next. If it were n't for the CONSUMER where would YOUR CORPORATION BE? Now you want me to send some more information to you. I do not have to provide you with anything else you have had enough of my information to fumble with. This is not Slavery pursuant to the XXXX XXXX XXXX XXXX. Article XXXX especially talks about the protection of women do not tread on my property. This XXXX is my property and it will be defended by any means necessary. They are sending me a report saying they are not going to re investigate at this time. I need to see what these so called Credit Grantors have sent to EXPERIAN, you ca n't just put random information into my Credit Report without sharing it with me and I do not have to add any kind of statement to my XXXX I did n't apply for anything from these people. I have asked that you stop reporting XXXX XXXX and you just do n't get it. You need to get on your job and validate and verify as I have asked and send me the correct results if not delete. You are just getting paid to put this erroneous information on the Consumers Report.
Product: Student loan

Been paying on this loan for XXXX  years can not pay off was Navient now XXXX need forgiven I am done
Product: Student loan

I had a private student loan with SoFi that i switched over to them a couple years ago once I took it away from XXXX XXXX due to a better interest rate. I was paying on it on time for awhile and then I got a new job in a completely different industry. At that time, I had to take a significant pay cut until I would build my book of business. ( sales ). I ended up putting the payments on deferment multiple times because i just couldn't afford it. I ended up getting a promotion and have been trying everything possible to get this rectified. SoFi ended up sending me to collections and they don't understand what I am trying to do. I have explained multiple times I am trying to either have SoFi take the loan back so I can start making payments again or allow me to consolidate with another lender in order to go back to paying monthly. The problem with finding another lender to take over the loan is every one of them instantly deny it due to this loan being in collection status. I have reached out to SoFi and they dont know what to do either so I am lost. I have made a few {$500.00} payments with the collection agency as well who won't stop hounding me daily and they just keep telling me to pay the full amount off which isn't possible without consolidation from someone else. Please help, I am able to pay again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and XXXX Equifax, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that XXXX Equifax, and XXXX remove this public record off my credit report asap. My XXXX and age is playing a big part of XXXX Equifax, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. XXXX Equifax, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations. within 30 days is cause for immediate removal of all those allegations from my credit report. Given that it has been more than 60 days, they should probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Equifax XXXX XXXX breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX partial account number XXXXXXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This account needs to coded as an M1. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

This company ( comes up as NCB management ) has called me numerous times at my place of employment. The first time I asked the gentleman politely to refrain from calling my job phone and that he can call my cell ( if he had it on record ) after XXXX. Me telling him that stemmed from our job receiving a recent number of spam calls. So we were advised to not give out our personal information. He said he had my number and would call. That afternoon, I received another call at my job but was n't available to answer. When I did speak to a representative again, I asked her to please take my work number XXXX out of their system because we can not receive personal calls. Since then, I have still been receiving calls from them from different numbers, even on the weekends ( My job has caller id ). I also advised her that if there is any debt that i owe to please send it via mail. She asked for my address, i told her that if I " owe '' a debt, they should have my address. How can I get these calls to stop at work? I could lose my job.
Product: Mortgage

Applied for a modification was denied as a XXXX lien and since XXXX lien had some monies forgiven couldnt do anything for this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my 2 request in regards to hard inquiries that I do not recognize and did not authorize. I am demanding that they delete XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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. All the credit bureau did was look and see that I bought a car and said they have to stay but I got pre approved from XXXX  XXXX to buy the car so the dealership had no right to run the credit a million times. 
I did not authorize them to run my credit.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and
willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute several fraudulent accounts appearing on my credit reports with Experian, XXXX, and XXXX. These accounts were opened without my authorization, and their continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

Accounts in Dispute XXXX XXXX Account : XXXX ( Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX ) XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX, XXXX XXXX XXXX XXXX XXXX  Account : XXXX ( Experian, XXXX, XXXX ) XXXX XXXX Account : XXXX ( Experian, XXXX, XXXX ) XXXX XXXX Account XXXX XXXX ( Experian, XXXX, XXXX ) XXXX Account XXXX XXXX ( Experian XXXX XXXX ) XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX ( Experian, XXXX, XXXX ) XXXX XXXX XXXX Account : XXXX ( Experian XXXX XXXX, XXXX ) Experians Refusal to Investigate Experian has responded to my valid disputes with an automated email falsely stating : We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information.

This is an unlawful denial of my rights under 15 U.S.C. 1681c-2, which requires credit bureaus to block fraudulent information upon receipt of proper documentation. My identity theft report is valid, and Experians refusal to conduct a manual review is a blatant violation of the following laws : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to investigate disputed information properly.

15 U.S.C. 1681e ( b ) Neglecting to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681n Willful noncompliance with the FCRA.

I request the CFPBs immediate intervention to ensure the removal of these fraudulent accounts from all three credit bureaus and to address Experians failure to comply with federal regulations.

Thank you for your time and attention.