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

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account : XXXX XXXX, has violated my rights. XXXX  XXXX XXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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

Is a amount of this Law Firm and I never sign any papers with them Incorrect
Product: Checking or savings account

I opened a TD Beyond Checking account on XX/XX/XXXX, in conjunction with the terms of the attached offer. The relevant details on the offer are as follows : CHECKING OFFER is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. I did have a previous TD checking account in XXXX, well outside of the requirements for this offer. The previous account was closed XX/XX/XXXX. 

I met the required criteria on XX/XX/XXXX of {$2500.00} in employer or government direct deposit ( within 60 days ). Bonus should have been paid at least 140 days after account opening ( XX/XX/XXXX ). 

I confirmed I met the requirements by phone on XX/XX/XXXX with a rep named XXXX. On XX/XX/XXXX, I called again, and was told I should still be eligible, and that the promotions team will respond within 2 days. I did not received a response. On XX/XX/XXXX, I called again, and was told I was ineligible because of the previous XXXX checking account, regardless of what the terms say. I spoke with XXXX and XXXX - both very helpful. XXXX even waived 3 of my $ XXXX monthly fees.
Product: Checking or savings account

{$1000.00} was charged to my account. 

I submitted evidence and a police report & requested a merchant chargeback nothing has been done to credit me the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that this account is in connection with an alleged vehicle purchase transaction. I never authorized this account to be on my credit report. These companies do not have permissible purpose to report this information on my credit report. I was also never given the option to " Opt Out '' in any form. If I was given such an option I would have. I do not want to ever do business with Wells Fargo Dealer SVC and they have continued to give me stress and headaches over their illegal tactics. The following Account does not belong to me and should be removed from my credit report immediately : Wells Fargo Auto Account # : XXXX. I have also sent a Cease and Desist letter and this company continues to indirectly communicate with me through the credit report agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not reporting accurate information for XXXX XXXX and only keeps changing the date opened and reported on the account when it is disputed causing it to remain on my report until XX/XX/XXXX. This account should have been deleted from my report as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed the items below on XXXX XXXX 2022, XX/XX/2022, And XXXX XXXX 2022 but the bureaus did not remove the items below. 

Sec. 602 FCRA States " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans-union failed to delete a delinquent account that had been resolved with the CFPB. 
XXXX XXXX  informed this credit reporting bureau to delete the account and they failed to do so. 
I also submitted evidence that the account information be corrected as not delinquent to Trans-union.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX - account # XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Whos the original creditor? Im not familiar with this account, and I dont agree with it. Would you agree? Just putting it out there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and have not gotten any response. 
My file has split into two files and there is two fraud account not mine and I sent the police report they requested in order to remove it and it still in my file. 
XXXX XXXX XXXX {$12000.00} Opened Date XX/XX/XXXX XXXX XXXX {$13000.00} Opened Date XX/XX/XXXX
Product: Debt collection

My identity was stolen social security card and divers license were stolen in 2018 and I have made police reports and ftc reports towards this mater. I also was told by the XXXX XXXX XXXX to send proof of this which I sent in by email and mail and the other credit bureaus sent them the same thing. Im still got disrespected by XXXX XXXX
Product: Checking or savings account

I tried to link my checking account PNC to my new account XXXX XXXX. But PNC has made a change that prevents me from being able to link my account. Please help me alert PNC that I need access to my financial data from PNC to XXXX account. I need to transfer my money from PNC to XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Bank account or service

Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.
Product: Mortgage

Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Product: Checking or savings account

XX/XX/XXXX I opened my checking account with Great Western with {$3500.00}. Starting in XX/XX/XXXX, sometime before the XX/XX/XXXX I tried to enroll for online access. I continuously got error messages. I emailed the company XX/XX/XXXX. They told me to call. I did so, and was told I could try again. It seems my account had been flagged for fraud and a hold was placed. After they confirmed my identity they told me the hold had been lifted. It was not. I exchanged more emails from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I tried again and called. My access was still barred.
Product: Credit reporting or other personal consumer reports

The balance on the credit card with Victoria Secret is incorrect. I filed a complaint with the company on numerous occasions and they have yet to update the correct information nor have they sent proof of the account correct balance.

The account was deleted in 2017 and has since reappeared on my credit report with inaccurate account high balance of {$1200.00}. Please remove asap!
Product: Credit reporting

I have mailed to them letters explaining my position on student loans ; several attempts with proof from the school financial aid department I 've attended. I have a zero balance! I 've shown this to them and the loan holder and servicer. They will not remove the information from my credit report. Initially there were XXXX student loans on my report, just recently they removed them after my most recent attempt to ask them to remove all of them. They will not remove XXXX of them. They tell me to contact US Dept of Ed, but they only want money from me. They will not accept that it is identity theft. Also, they do not contact me after I contact them. It is so frustrating ; I have medical bills on my report that do n't belong there either. But they will not do anything, but extend the time on the items, so that they will remain on my credit report ; it is so unfair. I am a student and I ca n't get financial aid because of this. They have conflicting information, and they 've all ignored the mistakes they 've made. This is extremely damaging to my life. I gave them information as proof and the truth of the matter. A contact name at the Institution XXXX where I once attended as a student before. I do not have any student loan debt. 
Please help me correct these issues with them, by getting them to remove the student loan fraud completely without it returning. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I applied for a job with XXXX XXXX  Ground an my background check was done by First Advantage in Massachusetts Background Check Companies aren't suppose to ask about background until your offered a position that's the 1st violation but thats not why I'm reaching out today First Advantage is violating Fcra act an the reason being the company deemed me ineligible for a pending case not a conviction an Fed XXXX Legal Policy clearly states having a pending case doesn't disqualify an applicant nor does having a felony but since I was deemed ineligible the XXXX told me he couldn't hire me eventhough First Advantage says they don't make hiring decisions but the email is in fact the hiring decision an the XXXX wouldn't proceed with continuing employment process eventhough I showed him XXXX XXXXXXXX Legal Policy, XXXX Policy stating just because an applicant has a pending case doesn't mean an applicant actually committed a crime he wouldn't acknowledge what I was presenting I spoke to a supervisor who was adamant that First Advantage merely does background results an doesn't make the final decision contractor didn't care ue says there is nothing he can do so First Advantage is making the final decision because without the email saying XXXX ineligible I would be able to proceed with the process another reason is I didn't get the 5 days to dispute the findings as soon as contractor got the email he quickly deemed me ineligible without telling me why he told me he couldn't see the reason why I was being deemed ineligible so I ask how do you know I'm ineligible he stated because of the email he can't view an he started making up hypotheticals on maybe why this could of happened an I did some research an came across 2 previous lawsuits againt Fed XXXX XXXX XXXX, XXXX because of the background checks First Advantage deeming people ineligible an stating that they don't make the hiring decisions but in fact those emails are costing applicants jobs an because of this I've been denied employment an thru my research I've notice that this has been an ongoing problem with XXXX XXXXXXXX an First Advantage an things need to change because these actions are stopping applicants for making a living, feeding their families an its not right or fair... XXXX thing I forgot to mention was First Advantage won't explain what makes you ineligible they just say XXXX XXXXXXXX has a criteria but won't explain what it is an they tell you to contact corporate but won't give you any information on how to an per the Fcra you suppose to have 5 days to dispute anything you feel is inaccurate so employee shouldn't be telling applicants that can't proceed with hiring process until after the 5 days not the day the report comes back which is a clear violation of Fcra...
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Upon Checking my Credit report to purchase a house I was informed that I had an abundance of unknown inquiries on my report from companies that I never permitted to inquire about my credit. The reporting agency that is reporting this error in information is Equifax, XXXX and XXXX XXXX. This report is very inaccurate and is a detriment to my livelihood on obtaining a place to live and function in this society and striving especially during this covid-19 crisis. I don't recognize any of these lenders nor did I permit any of them to access my credit on any occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed unauthorized credit inquiries from XXXX XXXX AND XXXX XXXXXXXX with Transunion. I sent a dispute letter on XX/XX/23 and XX/XX/23 with no action taken. I will give one more chance before I move to litigation and collect my {$1000.00} ( per error ) with them. I need these removed immediately as it is negatively affecting my credit score.
Product: Credit card or prepaid card

I purchase something but never received the purchase I call my bank and let them know about the transaction and they were supposed to send me an email I never received the email I contact the merchant they refused to give me back my money but I never received an email from my bank still waiting for them to contact me and they never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Equifax Information Services XXXX Inc and their is no third party involved. 


As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXXXXXX XXXX Delete all hard inquires & late payments as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX