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

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This letter addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will Equifax remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. This is my LAST WARNING. Please remove the inquiries resulting from erroneous credit reporting.
Product: Checking or savings account

I had called chime customer service because I had seen a XXXX unauthorized transaction on my account .I called them and I noticed the said they going to send me a new credit card and debit and refunded me my within 45 days. Within the first seven days they declined it so I had called customer service again they told me the exact same thing when I called the first time the we will this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
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 or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove 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 following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX removed as this is not my account and was open fraudulently. 

XXXX XXXXXXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid World Finance and the information is still reporting on my credit. As charged off and not paid in full. Ive been disputing this information since XX/XX/2018, and it has still not been resolved.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a matter of utmost importance regarding my credit report. It has come to my attention that my rights, as outlined in 15 USC 1681c-2 and 15 USC 1681b , are being violated due to fraudulent activity on my account. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), as indicated by the FTC report filed under reference number [ XXXX ]. 

I understand the critical role that credit reporting agencies play in maintaining accurate credit information, and I am reaching out to request your immediate assistance in rectifying this situation. The fraudulent accounts that have been opened in my name are causing considerable distress and potential financial harm. :
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with One Main Financial in the amount of {$6000.00} I was approved but then when I spoke to someone I was denied because I had to use my vehicle for collateral.
Product: Credit reporting

For most of my life I did not recognize nor value the the Idea of the FICO/CREDIT SCORE. Now since XX/XX/XXXX I have been working very hard with educating myself on the practices and behaviors of the CREDIT Burals. Its a lengthy process that I actually feel accomplished by. Until XX/XX/XXXX when a car dealer whom I assumed approved me for what was to be my first new/used vehicle. To my surprise the inquirie that was made in XX/XX/XXXX was not approved. Therefore it drop my credit score from a proud XXXX to XXXX this happened because the car sales attendant had regrets about telling me that I was denied initially. So with out my knowledge she ran my credit XXXX more times without my knowledge. I now know the affects of the inquiries from potintial creditors. I traveled XXXX miles from my home in a rental car that cost me {$270.00} stayed in a motel for two days before I got the bad news. My big upset and confussion was the Fact that EVEN with my {$2500.00} deposit on a vehicle valued at XXXX. I was rejected. 
When I went back to investigate the possible reason I could n't figure it out. 
The only thing I could do is continue communicating with my debt collectors with payments, police reports, dispute after dispute and multiple contacts with the credit burals it felt as though I was being ignored and was treated like I was unimportant and unwise. I went as far as to pay Experian {$21.00} for several months but still I was ignored and historically my credit report has many issues. 
After learning about the affects of the credit inquiries from outside creditors, as well as finding out about fraudulent activity on my credit report I put a freeze on my report. 
I wanted to work on addressing the Identity theft in XX/XX/XXXX. The fraudulent credit reporting from XXXX, the inquiry duplication recorded by your company and the incorrect status reports from all of the student loans except the active account. 
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of my information in the files that you are reporting which is not all correct information. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified. And only that .... 
If I put a freeze on my report with Experian why is this not the case with the XXXX denials for credit with I received XX/XX/XXXX. 
Attatched I have the only documentation I could find to support the the fraudulent accounts in XX/XX/XXXX. 
Although I was connected with those addresses the time frame is incorrect. 
Unfortunately their is a lot of criminal activity on the WWW. I ca n't say for sure who could have taken advantage of me but I 'm certain It will never happen again.
Product: Debt collection

Ive requested validation of this debt twice in XXXX of 2020 which the company acknowledged. I also informed them of my XXXX XXXX military status to which SCRA laws apply. Not only has this company refused to send any form of validation ( signed contract & proof of their rights to collect ). They havent even adjusted the amount owed to abide by SCRA which grants no more than 6 % interest on any loan. This company is having a huge impact on my career, my credit worthiness and my security clearance.
Product: Credit reporting or other personal consumer reports

The following items are not mine i never had any business with these creditors i request immediate permanent and all future blockings from all credit reporting agencies. 

This is the letter that was sent to all credit agencies as well as a validation i requested with a wet original signature they failed to provide. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 2. 1. Validation of the debt-that is, the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete
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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Debt collection

The collection agency did not send me written statement about XXXX different accounts. Recently, they reported the debts to the credit reporting agencies without ever calling or writing. In the first case, they spoke with me about the dates of service but would not send me anything in writing, so I called the hospital who could no longer provide a statement to me since they turned over the file to the collection agency. In the second case, they simply put it on my report. Reading my credit report should not be the first time that a person finds out about their bill. At the time I was a sliding scale patient at the hospital and had obtained a financial hardship from the Afordable Care Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$10000.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$20000.00}
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
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 : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Product: Debt collection

Pro Collect listed fees as debt for an apartment that was vacated. This apartment complex was paid in full at the time of the lease termination. We have repeatedly advised them that this debt is incorrect and we have been provided no right to dispute nor have we been provided with the original debtor 's information, which we need becuase they sold the complex. We have receipts showing where the debt was paid and Pro collect will not provide us with any information so we can dispute. The manager refused to send me a copy of the notice stating he already sent it once to the wrong address and he declared he does n't have to do it again and said he did n't care about our credit or if we paid the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that all of my child support has been paid in full and that debt has been satisfied. Experian XXXX and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX Balance : {$210000.00}
Product: Debt collection

Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Charge-Off Account Due to Inaccurate Activity Dates Dear Jefferson Capital Customer Service , I am writing to formally dispute the charge-off account associated with my name and the account number XXXX. This account was reported as closed with the status of " Seriously Past Due. '' Upon reviewing my credit report, I found that the activity date listed as XX/XX/year>, is inaccurate. This discrepancy is significant, as it impacts my credit history and score. 

**Request for Removal** : Due to the inaccurate reporting of the activity date, I request the immediate removal of this charge-off account from my credit report. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report, and I believe this account does not accurately reflect my credit history. 

Please conduct an investigation into this matter and provide me with written confirmation of the results. If the activity date can not be verified as accurate, I kindly ask that you remove this account from my records. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

There is false and inaccurate information being reported on my consumer report including inquiries that I did not authorize, which means that my report was obtained without permissible purpose. The Credit Reporting Agency has violated multiple consumer rights and has not verified that the information they are reporting is in fact true and correct. I feel as though they are being paid to report false accounts that is hurting me only for their financial gain.
Product: Credit reporting, credit repair services, 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/XXXX, I drove over XXXX miles to lease a vehicle from XXXX XXXX dealership in XXXX, XXXX. Upon arrival, I was advised there a was fraud block on my Experian account. I immediately attempted to log into their website to resolve the issue, with no success. I next tried the phone number on the website, as well as several others. The phones were all answered by a automated calling system. When I requested numerous times to speak to a customer service rep, the answer was always that no one was available. ( this was during normal business hours on a Monday morning ). The phone that went on to say to log into a website, which resulted in getting a form to print out and mail in. 

I was unable to proceed with the lease, which required 8 hours of driving plus gas expenses. I have subsequently mailed in the form addressing the issue. 
The fact that there is no way to reach a real person to resolve this type of issue is totally unacceptable. I give them a XXXX score for an incredibly poor way to run a business that impacts consumers,