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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of violations that have adversely impacted my credit report and overall financial well-being. I kindly request your assistance in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), as well as other relevant laws. Additionally, I would like to share my personal story to shed light on how these violations have deeply affected my life. 

Violation Details : Unauthorized Inquiries : XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Incorrect Previous Address Entries : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Story : These violations have caused immeasurable stress and hardship in my life. My financial history has been unfairly marred by unauthorized inquiries that I have no recollection of authorizing. Each unauthorized inquiry not only affects my credit score but also impacts my ability to secure loans, housing, and even job opportunities. As a responsible consumer, I have always strived to maintain a strong credit profile, and these unjustified inquiries have shattered my efforts. 

Moreover, the incorrect previous addresses that have been reported have exacerbated the situation. These inaccuracies have led to confusion and embarrassment when applying for housing, credit, and employment. The address inaccuracies have been perpetuated, hindering my access to financial stability and peace of mind. 

Request : I kindly request your assistance in enforcing my rights under the FCRA and related laws. Specifically, I ask that you investigate these violations and ensure that the following actions are taken : Unauthorized Inquiries : I request that these unauthorized inquiries be promptly removed from my credit report. The reporting of these inquiries is not only unjust but has also significantly affected my ability to manage my financial affairs. 

Incorrect Previous Address Entries : I urge you to rectify the incorrect previous address entries on my credit report. These inaccuracies have caused undue complications in various aspects of my life, and their removal would greatly contribute to my financial stability. 

In conclusion, I am deeply invested in resolving these issues and restoring my financial well-being. Your assistance in ensuring that my rights are upheld will have a profound impact on my life. I am hopeful that my story resonates with you and underscores the urgency of rectifying these violations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a positive outcome. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information you may require. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

Back in XX/XX/year> I purchased a {$2000.00} gift card from Home Depot in XXXX XXXXXXXX, California for a building project at home. This was to take advantage of their 0 % interest promotion. When I tried to use the card at my local Home Depot store I was told it had no funds. After a short investigation I was told from a store representative that the card had been used in New York. I was still holding the actual card and had never left California. I filed a fraud claim and was told they would open an investigation. They said that gift cards were like cash and it was not their responsibility if I lost it. I never lost the possession of the card. It was always under my possession so I told them it should be treated as fraud. Maybe an inside job since it was clear the cards number was compromised way before I ever tried to use it. I have purchased 3 large amount gift cards from Home Depot in the past and this was the only Ive had an issue with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My direct deposits are typically available XXXX days early. On XX/XX/year> I was notified after business hours that there was a system issue caused by a XXXX party that was causing the delay. I waited until Friday XX/XX/XXXX because thats my actual pay day. I was still unable to access funds. I called capital one and asked them for answers, I was told they didnt have any answers and the my dont know when this issue will be cleared. I asked the representative for an advancement in the amount of the deposit I usually receive. The customer service representative failed to complete or help with the action. Capital one is a FDIC covered bank. Due to the system going down I had no way to pay my bills and this caused a lot of emotional distress. Unfortunately I live paycheck to paycheck and every dollar is accounted for. When I was unable to have access to my funds on the day my deposit was due I felt very depressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to North Carolina Law ; General Statute, Section 1-52.1 of the North Carolina Rules of Civil Procedure, The Statute of Limitations that governs the debts that are being reported to my credit file by XXXX XXXX XXXX validate the fact that these debts being reported have expired and fallen outside of the statutes of limitations. You can reference XXXX XXXX with the link below, but at this time I demand that all entries on my credit file be removed from all credit bureaus under the guidelines set forth by the State of North Carolina Law. 

Please remove all entries by XXXX XXXX XXXX from my credit files immediately as the expirations of these collections expired a considerable amount of time ago. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

Hello good morning my name is XXXX XXXX so what happens is I been trying open up a checking account with different banks for some reason, I can't open no type of check account with no banks I tried open up one with XXXX to XXXX different banks I feel like my name had been under some type of fraud or Scamming situation I'm not to sure this never happen to me before I haven't able to open up a bank account for a while now in I'm trying figure out what's going on in why can't I open up anything.
Product: Credit card or prepaid card

I lost my job at  XXXX   XXXX   XXXX  in  XXXX  because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of  XXXX , but my Nordstrom credit card has piled on  XXXX  in late fees and  XXXX  in interest, the card only had a  XXXX  credit limit and only at  XXXX  in   XXXX   XXXX     but is now at  XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to  XXXX  for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of  XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of  XXXX  to make a payment. My bills are currently  XXXX  a month more than my monthly income. I also want all contact from them in writing by mail only!
Product: Student loan

In XXXX I wanted a better career and saw a XXXX XXXX ( XXXX  XXXX institution ) advertisement for Diagnostic imaging. I decided to call the XXXX, PA location to obtain more information about the program. I was told to come in speak with an advisor. they would call me multiple times to get my to come in. finally I went, spoke with a recruiter about their XXXX  XXXX  program as It showed I could make over {$40000.00} a year. At the time I was a mother of 3 and needed change. XXXX XXXX immediately pressured me into enrolling stating they have a XXXX XXXX class starting soon. I was confused because thats not the program I wanted. they told me I had to have XXXX XXXX  experience to attend the XXXX XXXX program if not I need to do the medical assistant first then I will be ale to attend the Cardiovascular sonography program, which wasn't even accredited. I was excited for my future as they induce me to enroll. XXXX made numerous false representations regarding the schools ability to place graduates in jobs, the salary I would earn in such jobs, the support it would provide me in securing post-graduate employment, and the transferability of its credits to other programs. It was all false! after graduating in XX/XX/XXXXI was stuck with a heavy XXXX XXXX, could find employement and couldn't use my credits for nothing. this program was a waste of my time and money. As of today I continue to have this burden of a loan in the amount of XXXX attached to me for a diploma that was useless by deception. Now this school has closed and has misrepresented a lot of student and we are left with debt.
Product: Credit reporting or other personal consumer reports

Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XX/XX/year>, the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, on XX/XX/year>, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification.

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a letter to Portfolio Recovery Associates , LLC ( XXXX ) formally disputing an alleged debt, by requesting validation made pursuant to The Fair Debt Collection Practices Act and The Fair Credit Reporting Act, that is competent evidence bearing my signature showing I had or ever had a contractual obligation to pay Portfolio Recovery Associates , LLC. 
On XX/XX/2022 PRA signed for my certified letter, and responded by sending a print out of an unknown bill, failing to provide the requested information by law with my signature. 
On XX/XX/2022 I responded to PRA with a second letter of dispute, again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Portfolio Recovery Associates , LLC. On or around XXXX PRA sent the same unknown bill, again failing to provide the requested information by law with my signature thus violating ( including but not limited to ) FDCPA Section 809 ( B ) FTC opinion letter Cass from XXXX. Portfolio Recovery Associates , LLC is in violation of Federal law and needs to remove the item from my credit report.
Product: Debt collection

My wife and I never applied for any health related magazines or books. XXXX used to and now RMCB collection agency from XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX mailed us a letter for debt collection. 

This is fraud!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, experian consistently Responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting Act ( FCRA ) ,15 U.S.C & 1681i which mandates a reasonable investigation of disputes. Furthermore, Experain actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U S.C. & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experain complies with federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXXXXXX XXXX {$270.00} XXXX- XXXX-Balance {$0.00} XXXX-Balance {$290.00}
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest on XX/XX/XXXX-XX/XX/2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Product: Credit reporting

My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
Product: Credit card

The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  IS SHOWING TWICE ON MY THREE CREDIT BUREAU WITH ERRORENOUS INFORMATION. THEREFORE I AM REQUESTING THIS CREDIT CARD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS SHOWING DIFFERENT AMOUNTS ON ALL THREE CREDIT REPORTS. AND IT'S SHOWING THE STATUS OF BEING PAID. I AM REQUESTING THIS ITEM TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  Credit reporting agencies reporting inaccuracies on my credit report. After I disputed the information asking for more information, it was n't provided to me. An address that I never resided at is on my credit report. Suggesting that along with the unknown address there are numerous accounts on my credit report that were not opened by me. I 've asked all the credit bureaus to look into to the disputed information and correct all the inaccuracies, but nothing has been done. This information is hurting my credit score and cre dit report, and is holding me back from doing things that I need to do.
Product: Money transfer, virtual currency, or money service

chase bank my tax checks were deposited in my account without me knowing and i thought irs was paying me direct depoait
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS, MY INFORMATION WAS EXPOSED DURING A DATA BREACH, THE FOLLOWING ACCOUNTS ARE FRAUDULENT. 
THE FOLLOWING INQUIRES ARE UNAUTHORIZED. SEE ATTACHMENTS. 

I'm a victim of Identity theft and noticed fraudulent Information on my credit report. I will like for this Information to be blocked and removed immediately. I never gave you consent to report anything to my credit report. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Checking or savings account

Last week they limited me on how I can send money. Making me juggle through multiple departments to get my account unlocked on various occasions this week and last week. Refusing to send money and now my account was terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting a fraudulent address on my report. I never lived in the XXXX. I sent several letters with my correct address and they refuse to remove the fraudulent address. I sent documents showing my proper address that mail is delivered by the United States XXXX XXXX.
Product: Mortgage

PHH Mortgage Services fails to send out any kind of monthly statements. My payments are ocer {$1400.00} a month. I have no idea what or where my money is going. I have no proof where my money is being applied. Or the remaining amount on the mortgage. How do you trust a company that does not provide you with paper work when they are suppose to be in charge of a loan. This company is will known for it fraudlent activity can not be trust. The month of XXXX they held my money order until XXXX to cash it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the companies attached 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.