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

My credit report dated XX/XX/XXXX, at TransUnion contains Inquiries that I never authorized, nor did I do business with these companies The following inquiries were not authorized by me : 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  is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXX XXXX XXXX so that I can file my taxes accordingly. This Pathways account is reporting inaccurate adverse information. Also, XXXX XXXX XXXX XXXXXXXX has taken over ownership of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The XXXX XXXX XXXX XXXX is reporting information that does not coincide with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checkr background check ran for a job at XXXX. My motor vehicle report came back with the wrong info on my drivers liscense being suspended but it has been re-instated and im no longer able to get into my XXXX checkr background check. They emailed my manager to tell me to file a dispute but i can no longer access the background check. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Product: Mortgage

On XX/XX/XXXX I had an appraisal done on my home as I want to get out of paying my monthly PMI on my mortgage. I know recent comps in my neighborhood have sold well above $ 400K so I feel it was a good time to have this appraisal done because I feel I have the required 20 % equity to remove monthly PMI. I found out on XX/XX/XXXX that my home ( which has more sq. footage, just as many bedrooms & bathrooms, and sits on more land ) came back $ XXXX less than a house that just sold a couple months ago that is in the same Cul de Sac.

I feel the bank ( XXXX XXXX ), insurance company and appraisal company ( XXXX XXXX XXXX XXXX ) are working together to devalue my house to ensure that I have to continue to pay monthly PMI.
Product: Checking or savings account

XX/XX/2023, I was attempting to dispute a charge I made on XX/XX/2023, with XXXX XXXX in the amount of {$100.00}. ( This initial dispute was due to me never receiving the tracking number or any kind of correspondence from the XXXX XXXX ). I tried to XXXX the Chime Support number and there was a fake Chime website with a fake number ( XXXX ). When contacting this number a woman answered, and I was explaining that I wanted to dispute a charge. I couldn't understand the woman due to her thick accent. After being on the line for XXXX minutes, I just hung up. I called a friend and was told that I could dispute the charge on the Chime website. I went on to dispute the charge on the Chime website and went on about my day. About an hour later, I received a call back from multiple numbers ( XXXX and XXXX ). When I finally answered, a guy who said his name was XXXX XXXX, stated he was calling in regard to my dispute. He stated that he wanted to do some further investigation on the dispute because he saw that someone was attempting to hack into my acct. He asked that I download an app called " Any Desk ''. He stated that he wanted to walk me through steps to lock the account so that I couldn't be scammed. He sent over a code for me to accept and once I accepted the code, he was able to get into my cash app and send himself {$990.00} to a card ending in XXXX ( this card is not mine ) then turned around and sent himself another {$650.00} on my chime " pay people '' to an email ( XXXX ). I have absolutely no access to this email or this card ending in XXXX. I've filed a dispute ( XXXX and XXXX ) and I'm currently on my XXXX rebuttal. I'm asking for help with my dispute. I filed a police report today, XX/XX/2023. I have to wait until Monday, XX/XX/2023, to receive the actual hard copy, but I do have a card with the report number ( XXXX ). Filed police report at the XXXX police station with a XXXX XXXX ext. XXXX. Thanks for your time
Product: Debt collection

In response to CFPB complaint : XXXX As you stated in your response Midland Funding remains on credit due to verification of address. However, submitting through E-oscar of matching addresses social and DOB is not a form of verification.

MIDLAND FUNDING Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : MIDLAND FUNDING Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I paid this account in full and it showing negative on my credit report XXXX XXXX has been paid in full I already submitted a dispute and also a complaint XX/XX/24
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : Account number : Account number:XXXX Account name : XXXX Account numberXXXX 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: Mortgage

My wife and I live in XXXX XXXX and received a pre-approval letter from SOFI after a full financial underwriting. Amazingly in this extremely tight market, we found a home we loved, could afford and the seller agreed to our offer. While under contract, SOFI was a  total disaster. 

The home was a condo in a 2 unit building with a very informal monthly HOA that paid taxes and water bills only. SOFI decided they didn't want to lend on this type of HOA but they could never tell us what their actual requirements were. They changed their requirements multiple times over multiple days. These types of informal setups between 2 owners are extremely common in SF. The Sellers who were amazing offered to fund a large reserve to get SOFI comfortable. 

After days of back and forth, with stories that changed daily and absolutely no clarity or flexibility, we fell out of contract and lost the home to another buyer. The mortgage agent was non-communicative and rude in the end. In addition to deciding late int he process that they wouldn't allow a reserve to be funded in anticipation of this sale, SOFI also  decided they wouldn't lend unless there was a restriction against the ability to rent in the condo CCRs. I believe they just kept adding rules because they had no idea what they were doing.
Product: Money transfer, virtual currency, or money service

A friend of my spouse advised him of a investment opportunity to become XXXX/XXXX  of your own XXXX  and XXXX. At the time, we were looking for an investment opportunity to replace my previous income. We met on 2-3 occasions with XXXX XXXX, XXXX XXXX XXXX, my husband- XXXX XXXX XXXX and myself. We discussed XXXX XXXX XXXX XXXX in detail, its success and that he had many other investors that were profiting and doing well by partnering with his business. I reviewed reports, emailed data, and foreseeable numbers regarding earning potential that was provided by XXXX XXXX XXXX. In addition, XXXX XXXX XXXX advised that my husband 's friend XXXX XXXX would be working in his operation, in particular to XXXX XXXX for our XXXX  and XXXX, which gave me an additional peace of mind. We invested {$90000.00} total in the form of check/cashiers check. One check # XXXX on XX/XX/XXXX for {$30000.00} from our XXXX  XXXX XXXX account and a cashiers check issued on XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX, account # XXXX and check # XXXX in the amount of $ XXXX.Both checks were cashed through Wells Fargo and the the cashier 's check for {$60000.00} was cashed, but not signed or endorsed, only deposited into the XXXX & XXXX XXXX bank account.The name of the business involved is XXXX & XXXX XXXX and the owner is XXXX XXXX XXXX XXXX The address provided is XXXX XXXX  XXXX XXXX, XXXX, TX XXXX. We have notified this party of the issues and he has been contacted by the XXXX Police Department. We have requested all funds back in writing on multiple occasions throughout the past 4-5 months. At this time, we have only retrieved back the following : Bank Wire on XX/XX/XXXX : {$210000.00} Bank Wire on XX/XX/XXXX : {$2800.00} Bank Wire on XX/XX/XXXX : {$2800.00} All of the funds listed above were returned through a bank wire from a Wells Fargo account. I have notified XXXX  XXXX XXXX, Wells Fargo and the XXXX XXXX XXXX XXXX XXXX. Wells Fargo is the only bank that has yet to fully respond. In addition, I am cooperating with the XXXX Police Det. XXXX XXXX # XXXX, XXXX and his fax number is XXXX. In addition, I reported this incident and fraud to the FDIC as of today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSWORLD SYSTEM INC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSWORLD SYSTEM INC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

Sallie Mae Bank XXXX XXXX Sallie Mae Bank XX/XX/year> Both are hard inquires on my credit report that I am unaware of and are not connected to open accounts. I want these inquires deleted because I did not authorize these companies to run my credit
Product: Credit reporting or other personal consumer reports

Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I identified numerous unauthorized inquiries on my credit report that I did not authorize or consent to. Despite disputing these inquiries in XXXX prior letters, they remain unresolved. 

The inquiries include : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries, spanning multiple financial institutions, dealerships, and creditors, were made fraudulently without my consent. The credit bureaus ( XXXX, Experian, and XXXX ) have failed to verify or delete these inquiries, violating their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attached all supporting documents, including previous dispute letters, proof of my disputes, and updated credit reports that show these unresolved inquiries. This is now my third attempt to resolve this issue due to the inaction of the credit bureaus.
Product: Debt collection

I have a company called portfolio recovery that keeps claiming i owe them for a debt that i have never had. They have called and harrassed me at all times of day and night and when i have asked for proof of debt they were unable to provide this information. I have reported them to the XXXX XXXX XXXX  and am I currently waiting on a response from their investigation however i dont believe they are doing an investigation.
Product: Credit card

My daughter wanted to use my XXXX account to buy some jeans in XXXX 2014. What wound up happening is that the signed her up for a Paypal account in her name, without her consent. They collected her email, phone number, and DOB. They offered her deferred payment and interest. She is XXXX and does not have a job.
Product: Credit card or prepaid card

I was not granted any minimum payment forebearance waiver.  I did not make my XX/XX/XXXX minimum payment.  That is the help I needed in XX/XX/XXXX related to Hurricane Irma!  The help provided in the Bank of America response is of no help.  I will be filing complaints with the NAACP and ACLU.  I'm not satisfied at all.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the XXXX  I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.