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

XXXX XXXX XXXX XXXX and EXPERIAN allowed inquiries to be placed on my report without my consent. After 3 disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is 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 their investigations, they stated in writing that the items were verified and are being reported correctly? The company did not state who verified the accounts. XXXX and Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally both companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do recognize or authorize. I am a victim of identity theft through the military PII leak. Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them.

The following are the unauthorized inquiries that have hit my credit report. 

XX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024, I requested Experian to remove incorrect phone numbers, mailing addresses that I can not receive mail at, and to correct full name. I just received back my report around XX/XX/scrub> 2024. Under personal information it reads '' Personal information DOES NOT impact your score at all.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

To whom it may concern I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and Michigan Administrative Code ( section 20-493.2 ). Michigan regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX, verifica- tion requires all of the following : Proof of my agreement to pay the original creditor with my signature. Naming your company as a person entitled to enforce a claim against me. 
A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

You have 30 days to provide proof of contract. In the event you can not provide proof of contract. You must cease and desist any and all collection efforts. And immediately remove any derogatory information reported to the Cra.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Product: Debt collection

Debt collection company Westlake Financial calls 4 to 5 times per day, multiple days of the week. They call from XXXX and XXXX.
Product: Checking or savings account

Cash app has a pending transaction for XXXX. Its been in there since the XXXX. They asked Me to have the hotel send a letter and receipt showing XXXX balance on order For them to release the funds. I did that. And they still have not released the funds. No explanation and wont reply to my messages. The ironic thing is XXXX weeks ago. I had the same issue and they re-funded the money with no problems and this is the exact same scenario.
Product: Debt collection

I received a call on XXXX/XXXX/15 at XXXX from XXXX XXXX XXXX XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of Ross Gelfand LLC and that they took over the account. I told her that the the office of Ross Gelfand was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified several accounts that are currently appearing on my credit file that do not belong to me. I've attempted to settle this matter with Equifax, XXXX, and XXXX, but I have not been successful with having the fraudulent items removed from my credit profile. The items are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX, XXXX
Product: Debt collection

Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.
Product: Credit reporting or other personal consumer reports

I am writing to request an proper investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts, & I have sent multiple disputes out that I believe was never truthfully investigated. Some companies were removed from one bureau but still remained on the other two, then a few months later eveything came back. I have never used, obtain credit or owned any of these following accounts listed. 

XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX Personal Loan Companies I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.
Product: Debt collection

I was contacted at my place of work, on a company-owned phone, in a threatening manner regarding an old debt. The caller ( according to their recording when I called for the company name because they wouldn't tell me when I was speaking with them.. ) was XXXX XXXX XXXX . I asked the person on their end to not call my work again, and was told he would remove my employers number from his list of contact numbers but only after I gave him another number. I was threatened with a lawsuit, and talked at in a demeaning manner. My day was ruined and my company has told me I will be punished if I am to keep having debtors call my place of work. This needs to stop! I could lose my job because of these sick poachers of debt who pray on those who can barely afford to eat and harass them. Please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting or other personal consumer reports

Credit karma has been pre approving me for credit cards and every time I apply thinking Ill be approved I get denied and now I got like 8 hard inquiries in like the last 3 months. And I cant get a hold of any credit bureau to help me unfreeze my credit account and I never froze it myself. Please help me get in touch with them so we can fix this problem.
Product: Payday loan, title loan, or personal loan

'oportun ' is mailing pre-approval letters to nevada residents. the residents are not in fact pre-approved. 'oportun ' is stating verbally, that a loan decision will be made in 15 minutes. this is false. when 15 minutes passes, 'oportun ' states that a decision is made within 24 hours. this is false. when 24 hours pass, 'oportun ' states that a decision will be made in a few days. this is false, when a few days passes, a decision is made in 2 weeks. 

oportun sent me a false denial letter in the mail after 2 weeks. the letter stated that the loan was denied, because they were unable to verify my identity. however, this is false. I verified my identity, including scanning and sending verification of identity documents on Day 1. I then personally reached out on a daily basis, each time verifying my identity with random agents by phone. I uploaded all requested documents. The denial reason was false. 'Oportun ' is using a false denial, for their applicants, while doing hard credit pulls, with no intention of doing an accurate underwriting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bureaus are reporting incorrect information on my report affecting my credit score tremendously. They are reporting that I have an account with XXXX XXXX XXXX XXXX, however I do not. It is being reported that I owe XXXX for this account. One is being reported as a joint account the others are reporting is my individual account. I have told them I have never lived in XXXX. I have disputed this with the unions, I have asked for proof and no information or proof was provided. I have provided proof of residence and they did not make the correct investigation. Status 's are also being incorrectly reported Another union has reported delinquency on a repossession for XXXX and the others have not, it should not be a delinquency as it has been paid off by the bank
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 against my better judgement i paid for services rendered through paypal. I sent {$220.00} and they wouldn't release it to the receiver. On or about XX/XX/XXXX, after multiple attempts to resolve the issue i involved my bank. I requested a dispute. I told PayPal before i called my bank that this is what i was going to do. 30 minutes later they released, i called my bank and cancelled the dispute. PayPal took it from the receiver and is now holding it and showing no intent to return. I am awaiting a call from my bank but until the bank can do something, Paypal still has my money. This is wrong.,
Product: Credit reporting or other personal consumer reports

XXXX : The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting

Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. 
Docket # XXXX Docket # XXXX Docket # XXXX Docket # XXXX
Product: Mortgage

Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks
Product: Debt collection

XXXX XXXX keeps calling at work and i have told them to stop. They will not they threaten to damage credit and i have asked for a statement they say they do not provide this. The calls at work have to stop.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX and been told my account would be closed on XX/XX/XXXX if I don't use my card before XX/XX/XXXX. So I did plan to use this card. However I received another email on XX/XX/XXXX and been told this account had been closed out. Therefore this two emails contradict each other. I tired calling their customer service while the representative couldn't find the reason why this account was closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX BANKRUPTCY ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Debt collection

Credence Resource Management is reporting a {$490.00} XXXX debt collection on my credit file that I have reported was a result of identity theft. I have sent police report to credit bureaus. The debt was deleted from my credit file and now it is re-inserted on my credit. I want full validity and proof of debt belonging to me. I want this matter investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large purchase loan through Prosper. I am disputing the 30 day late payment that you recently recorded on my credit report. My bank denied the initial payment back on 10/3, suspecting fraud. I immediately reached out to your company to process a second payment. This was never processed on your end. The funds have been available, and a subsequent payment has been made and processed. I have also attached a bank letter from XXXX outlining the payment rejection and fraud claim. Please update or remove immediately the late payment that is currently showing on the account. I have made multiple attempts to reach out to Prosper customer care via email with no response. 
I would also recommend that Prosper send an email to their customer when they have communication of any kind on their account so that one can immediately access this information without delay. I never received any email communication regarding this issue and or a phone call.
Product: Credit reporting or other personal consumer reports

I wrote a letter on XX/XX/2023, inquiring about both known and unknown information on my credit report. I still haven't gotten an answer even after more than 60 days have passed. I feel as though my disagreements are being disregarded and exploited. According to Section 611A, if these issues are not investigated within 30 days, that is a valid cause to have them removed off my credit report right away. They ought to be removed right now because it has been more than 60 days. I demand that these things be taken down right now, or I'll file litigation for the stress you put me under. The XXXX data leak also affected my information, which might have ended up in the wrong hands.