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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, WF CRD SVC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Requested documentations to verify alleged debt and they were not able to deliver all documents Requested and after thirty day did not remove from my credit file agency name is national recovery agency acount # XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : CHILD SUPPORT ENF AG/N Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/2024 I filed a dispute for my First National Bank of PA ( Checking Account number : XXXX ) regarding XXXX unauthorized transactions I noticed on my account. 
There were XXXX transactions, XXXX for {$4800.00} sent on XX/XX/XXXX and another for {$4700.00} on XX/XX/XXXX sent to Debit XXXX XXXX XXXX. 
Someone stole my information because I dont have an account with XXXX XXXX XXXX, and never heard of this company. 
I filed a dispute with my bank First National Bank, but still havent received my funds from my claim. 
I want to know how I can get my money back, because I never made these transactions. Please help. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting letters by certified mail to " XXXX XXXX XXXX the collection company that it is reporting me and also to the 3 credit Bureaus Experian, XXXX and XXXX. The information in my credit report still showing discrepancy. On XX/XX/XXXX it was showing as the account was closed and then in XXXX it was active again. Also, the balance showing in that account keeps changing constantly. Up to this day the company " XXXX XXXX '' as been able to provide proof that this account belongs to me, and it hasn't been verified with the credit Bureaus. Please investigate this matter and correct the disputed item as soonest possible.
Product: Credit reporting or other personal consumer reports

ive discovered I have 3 credits cards I never applied for that's on my report. I've tried to dispute, the creditors won't remove these accounts Open dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I bought a engine, I tried it at the place the item did not work, the owner told me He will check for another one which he could not find a good one ; I left the item, the same week I tried to fix the problem with Bank of America, they fixed the problem I got the refund and later on the charged me the same amount on the purchase {$960.00}. Since then I have to pay for a item I did not take or use. This year I find out about XXXX  I disputed it but the Problem still exist the could not fix the problem. Now I found the receipt I would like to use the evidence. It not fair to pay for something I did not take or use.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan ( {$110.00} - {$100.00} + fee {$17.00} ) I paid back within a weeks time {$100.00}, the following day the company withdrew 4 payments of XXXX. Which cause the account to be overdrawn and incurred overdraft fees. I wrote multiple emails to only be replied once with they would review in 2-4 days.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA. 
Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

I have just found out in XXXX that a credit card was opened in my name with my social security number when I started receiving mail from lawyers saying a case has been opened against me. The credit card is named Mercury and I never knew about the account, apparently it was open in XXXX and the balance that I'm being sued for is {$3100.00}. I had no knowledge of this account until XXXX of XXXX. I have called XXXX XXXX XXXX to dispute this because they purchased the account from XXXXXXXX XXXX XXXX  XXXX which is the owner of the Mercury card. I have been told by XXXX XXXX XXXX that a dispute has been filed and I have to send them a copy of this that I am disputing this issue. The weird part is I have filed a dispute with XXXX XXXX XXXX twice today which is XX/XX/XXXX is the third time that I have called them to dispute this issue. The address on the Mercury credit card statement was sent to an address in Florida, which is an address that I disputed two years back and it was removed from my credit report through XXXX. THIS IS NOT MY ACCOUNT. My credit report shows that all my other purchases and addresses are in XXXX, that is something that can be seen by the company that is suing me so I'm not understanding why I'm all the way in XXXX  and I'm being charged for this. My lease is here in XXXX, my bills, my kids go to school here and I have never been to Florida!
Product: Mortgage

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to Bank of America, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that Bank of America and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer 's complaint is in regards to unlawful credit data sharing. Pursuant to Equifax 's Data sharing policy, the consumer has never provided Equifax with consent to share credit data and as a result demands the following accounts to be removed XXXX XXXX XXXX XXXX XX/XX/XXXX Open Balance {$900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reported balance {$35000.00} XXXX - XXXX  - XX/XX/XXXX Reported balance {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXXXXXX XXXX acct XXXX XXXX XXXX  manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

My Paypal account was hacked. Someone upgraded my personal account to a business account. Then they added the following information : XXXX XXXX XXXX XXXX, phone number XXXX and email of XXXX. When I called PayPal and spoke to an agent to close my account, the agent became upset when I asked to speak with a supervisor to confirm that my account was closed. I was put on hold over 30 minutes and the agent would come back on periodically asking why I needed the supervisor, why I couldn't just check my email to make sure the account was closed and then finally said that all the supervisors were unavailable. Finally a supervisor came on the line and she was just as nasty stating that my confirmation email is all I need to show that the account was closed. I explained that with an increase in cyber fraud, it behooves me to satisfy due diligence steps to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX. Balance has been paid in full in fact I am owed money. On XXXX and XXXX it is reporting properly but not transunion. I contacted them regarding this matter and I'm having a serious issue. I need them to make and update immediately as this has been paid.
Product: Credit reporting or other personal consumer reports

I am writing to diputed account on my credit report that were without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION 15 U.S.C 1681 ( b ), thera are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find permissible purpose under this section that justifies their prsence on my report. PLEASE DELE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached is a report from the Federal Trade Commission ( FTC XXXX ) as additional evidence to support my claim regarding the unauthorized use of my identity. This document contains relevant details that validate my statement and demonstrate that I have been a victim of identity theft. I kindly request that this information be considered to proceed with the appropriate investigation and resolve this matter promptly
Product: Debt collection

I am writing this letter to dispute the collection account of ( Hunter Warfield collections and XXXX XXXX ) on my credit report and am requesting it be deleted as soon as possible. 

I paid {$320.00} per the request of the company 's ( XXXX XXXX ) representative ( XXXX XXXX ). She noticed that erroneous charge of {$570.00}, and striked out with initial next to it. I paid final utilities bill ( final balance ) of {$320.00} per representative 's request. 
The representative has strike out {$570.00}, initialed next to it. On the second page, i initialed saying it is " final bill ''. 

There should not have been any charges after i paid final balance on XX/XX/2014. Attached is a copy of the documents that shows i paid in full with initial and signatures. 

I have started receiving collection letter from " Hunter Warfield collections and XXXX  XXXX '', starting from XXXX XXXX every six months. I have responded them on every request. However, I never received their response of my letter, which is attached as well. 

Not only did they fail to provide me with proof that I owe the debt, they reported this information to my credit report anyway, which is a blatant violation of Section 809 of the Fair Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I requested a validation of debt to reassure this debt was mine debt. the compna sent me a improer validation. I requested what i signed to accure this debt and only was sent another bill.
Product: Debt collection

On XX/XX/2021 I reached out to Certified Services Inc and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Product: Credit card or prepaid card

Ive been contacting Capital ones representatives all day long. Ive talked to about five people so far and Im just so fed up With calling Since last night I just really need help. They said Someones Things got mixed with mines From a previous number So I thought they fixed it But everytime I got back nobody Can find my information and just treats me like a thief and hangs up. My card got lost But now its on its way and I still have no access To my account its so ridiculous how terrible Customer service is
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get a rep on the phone to resolve any of my issues. I was made aware by Equifax that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and recognize that there were some unauthorized inquiries on my transunion, and XXXX credit report. 

XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/ XX/XX/XXXX
Product: Debt collection

After attempting to verify with XXXX the nature of an alleged charge of approximately {$150.00}, no information or proof of service was provided at the address. I visited the local XXXX to rectify the issue and after being deflected and referred to multiple departments, with no assistance or resolution. A case was opened with a representative, however no follow up or additional contact was attempted. After many months later a debt collection agency, Sunrise Credit, harassed me with multiple calls, texts, and email at all hours of the day without clear indication of the supposed debt owed. The company did not portray themselves professionally or clearly so I doubted the legitimate nature of the company believing it was likely a scam. Then when reviewing my credit report I noticed an issue in which Sunrise claimed an inflated debt has defaulted.
Product: Mortgage

Over the last several years we have had difficulties with Selene Finance mortgage company. It started several years ago when we missed a few payment due to unforseen, mainly some huge medical bills and other circumstances. At that time we tried to work things out with them to modify the loan. They told us in order to modify we had to be six months behind in payments. They advised us to not pay for six months and then we would be able to modify/refinance and pick up with payments at that time. We stupidly believed them, used our income to pay huge medical bills and waited to modify with them. Instead, they began the foreclosure process on our home. We ended up having to file bankruptcy due to this and due to an XXXX XXXX XXXX XXXX error on tax returns that had us owing thousands back. Then, over the course of the next five years, Selene would continue to tell us that we were behind in our mortgage when we knew we were not. Selene has admitted on several occasions that they " lost '' or " forgot to apply '' several payments that we had made to them. We pulled all our bank records several times for evidence and when we proved we had made the payments, they suddenly " found '' them and were " not sure why they were not applied ''. This happened again in the past month. The sent a bill stating there was an overdue amount. We asked them to send us a record of payments and it was clear from the record that they had received all payments. After they looked they discovered they had not been applied. This has happened several times, has effected our credit, has effected our bankruptcy case and has causes an extraordinary amount of stress in an already stressed out home with a child with a severe XXXX XXXX XXXX.