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

Dear Equifax I am writing to dispute several unauthorized inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ]. These inquiries were made without my authorization and do not relate to any accounts I have applied for. 

To provide context, I financed a vehicle through XXXX in [ year of purchase ], and I paid off that loan in XXXX. In XXXX, I returned to XXXX to purchase another vehicle, and XXXX was the sole company I authorized to perform a credit inquiry for financing purposes. Any other credit inquiries appearing on my report from dealerships or lenders outside of XXXX during or after this time are fraudulent. 

It is concerning that someone may have attempted to fraudulently inquire about financing a vehicle during the same time I was obtaining legitimate financing. This fraudulent activity has caused multiple unauthorized inquiries to appear on my report, which I am requesting be removed. 

The unauthorized inquiries I am disputing are as follows : Inquiries Before XX/XX/XXXX : 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 AN XXXX XXXX # XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX Inquiries After XX/XX/XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX As outlined in FCRA XXXX XXXX ( XXXX ), a credit inquiry can only be made under certain permissible purposes, such as with my explicit consent or for an account I applied for. Since I did not authorize these inquiries and they are not tied to any legitimate credit transaction, they must be removed from my
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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

Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

ED FINANCIAL SERVICES HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY XXXX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XXXX XXXX AND XXXX. I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY XXXX   CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY XXXX  CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XXXX OF XXXX XXXX OF XXXX XXXX OF XXXX, XXXX, XXXX, AND XXXX OF XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT ED FINANCIAL XXXX I WAS LATE ON XXXX OF XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 I submitted an online application for a credit card because of its generous offer when used to purchase gasoline. 

A hard pull was submitted to XXXX  credit bureau even though a hard pull had already been submitted to obtain a credit line increase with another of this credit unions credit cards I already possess in order to obtain a balance transfer, that was approved upon reconsideration. 

When several days had passed with my application labeled as pending, I sent an email message to the credit union inquiring about why my application had been so long in pending. 

Within hours, on XXXX XX/XX/2020, of my sending the email message, the credit union marked my application as withdrawn, though I did not ask for my application to be canceled or withdrawn. 

I have been sending email messages trying to learn why that my application for the credit card I want was withdrawn. I have also left two voicemail messages with XXXX in the credit unions underwriting department that have not been returned. 

I still want the credit card that I applied for that this credit union unilaterally withdrew from consideration though it hurt my credit score by pulling my credit file though it had already a fresh credit file from having approved my credit line increase on another credit card a couple of days or so before. 

I mention this because this credit unions previous policy has been to not pull a hard pull against someones credit within thirty days of having already pulled a hard pull, even when the hard pull was obtained for a different reason as can be verified by reading the online reviews about this credit union. 

I have had an impeccable relationship with this credit union up until the problems I had with obtaining the credit line increase and now this problem of an unexplained withdrawal of my most recent application for a credit card that I submitted on XXXX XX/XX/2020 but was withdrawn by the credit union on XXXX XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. TD bank NA issued a credit card to an identity thief without my permission using my social security number. Unauthorized Charges on the credit card are XXXX which was opened XX/XX/XXXX XXXX with a XXXX credit limit. I was notified on XX/XX/XXXX by phone from Admin Recovery of the fraudulent activity. This debt is not mine. I have filed an FTC identity theft report, police report, froze my credit and disputed charges with all three CRAs. Ive locked my social security number. I need to notify the IRS. This fraudulent debt is on my credit reports and a thief is using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit report agencies have put me on XXXX XXXX XXXX  and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction. 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I was completely blindsided when I saw inaccurate accounts pop up on my credit report this morning, and I have no idea how this happened. I check my report often, but these discrepancies appeared out of nowhere. I refreshed my browser hoping it was just a tech issue, but the incorrect accounts stayed there. This is why I am urgently asking for my documents to be reviewed so I can finally put this worry behind me.
Product: Debt collection

XXXX sent me to a collection company called Transworld Inc. 
I not only never used this company, but had no idea what they even offered. They found something owed for an address in Minnesota. Ive never lived or even been to that state. 
I did get it resolved thankfully. I did pay a debt collection from XXXX whom I did not have service with and they asked me why I paid it as they had nothing saying I owed them. These scams are horrible and Im writing to say please do something!!!!

A company should have to have at minimum a signed certified letter before sending you to debt collection! Please fix these scams!
Product: Credit card

In accordance with my XXXX Statement ( attached ) from Discover Card, my balance showing owed was {$8000.00} due on XXXX XXXX, 2015. This balance included an interest charge of {$140.00} which was calculated from a balance of {$8100.00} as shown on page XXXX of the statement. The previous balance showed as {$8000.00}. So the fact that the interest is based off of an amount greater than even the previous balance tells me that they have calculated the interest through the due date. On XXXX XXXX, 2015 I paid the balance in full of {$8000.00} and closed my account. 
I was quite surprised to receive an XXXX Statement ( attached ) showing a balance owed of {$43.00}, which apparently was an interest charge calculated from a balance of {$2100.00} as shown on page XXXX of the statement. I immediately contacted Discover Card to ask them to remove this charge as my account was paid in full and should show a XXXX balance and I was told that interest on cash advance balances was charged different than interest on purchases and that was the reason for the additional charge. I do n't understand what they are saying and I have no idea where this {$2100.00} amount came from that they based the charge off from. 
I received a written message ( attached ) from a manager, which basically stated that even though I paid the balance in full, there was still interest accruing somewhere, somehow. Apparently a calculation the general consumer can not understand, as it makes NO sense to me. I have paid off many credit cards in the past several years and I have NEVER seen this practice, and feel that Discover Card is taking advantage of the general consumer. 
I would never recommend anyone sign up for a Discover Card!
Product: Money transfer, virtual currency, or money service

PayPal has repeatedly lied to me about the refund I should have received days ago. XX/XX/XXXX they said I would have my money by XX/XX/XXXX or in two days. Then they said I would have it by XX/XX/XXXX ( holiday ) = XX/XX/XXXX. I contacted PayPal numerous times asking where my money was. They gave me different answers each time. I don't think they know where my money is. I'm tired of them lying to me. 
Details : Transaction ID : XXXX Sale date : XXXX XXXX PDT XX/XX/XXXX The seller issued a refund for {$670.00} I was told I would have the refund in two days. 
XX/XX/XXXX PayPal over telephone assured me I would have my refund by XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Body Only ) Item # : XXXX Sale price : {$600.00} Quantity : 1 Seller : XXXX
Product: Debt collection

I received at least 2 calls per day including Sunday ato different times as late as XXXX
Product: Checking or savings account

XX/XX/XXXX. I received a letter stating they were closing my XXXX XXXX accounts, 2 roth ira and 1 XXXX college savings for my son. Called them to ask why and they said it was a business decision to end service with me and no further explanation was given. About a week later, another letter came in the mail and said they were closing my checking and savings account with no explanation. I have been on the phone back and forth with XXXX trying to rollover a different brokerage and now im dealing with my checkingsavings account. Called about that and they said the same. None of the customer service could understand it and tell me why. Been a loyal customer with bank of america for over 15 yrs and my mortgage is currently there so everything was fine. XX/XX/XXXX this morning i went to use my credit cards from BOA and guess what they are shut off. Called them and ask why and no answer was given except they can terminate anytime. Ive paid my bills on time with them have excellent credit so i couldnt understand why. after back and forth with customer service which i was polite to because its not there fault the banks did this, i ask what about my reward points ive accumulated, they said it was forfeited do to account closure. I have over 68K points on travel rewards and they wont do anything about it. No explanation, no reason. I have been on the phone for the past few weeks dealing with this. I think i should have been given the courtesy of an explanation and reasoning why this happened and after years of loyalty to the bank, they could have at least work something out even if we would not continue business together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unuatorized Inquires
Product: Debt collection

I got notice of a termination of rental property insurance/home owners policy. I called them to see what's it about. They said it was because I was living in the house and it had to be switched to the regular homeowners policy ( which is what I've been trying to get for the last year ). But after all that they tell me that because I have a flag for credit card that I couldn't pay because I had to worry about survival first, it was charged off the insurance couldn't be updated. I got transferred to 3 different departments till I got to the resolution department. They told me it will remain in the charged off status till it is paid off. Which I get. They wanted XXXX within a year, which I can't say ya or nay because I am still trying to get my life fully going again. When I asked if I agree to the terms would it lift the flag she tells me She doesn't know because that's up to the insurance side. Of course the insurance side is the one that said the collection department had to do it. Now I'm going lose my homeowners insurance because they don't want to help. I understand that I owe them for the credit card but I also have to think of survival too. But these are 2 different accounts. And I guess they don't understand survival first. I guess they don't want me as a customer anymore too. I was going to start paying on it as soon as I was able but it shouldn't affect the insurance.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2023. Since then, the account has repeatedly reported inconsistent balances across bureaus every month. This is an erroneous mistake by TransUnion. A charged off account should show accurate balances across all bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

Caller did not leave name of company but left phone # to call within 2 hours to avoid legal complications. XXXX XXXX XXXX. They called my employer and my son 's mobile #. Not me. They said they were trying to deliver legal papers that I had refused to sign. I have not refused to sign anything. I called the # back and a lady answered. I asked who she was and she gave me a name something like XXXX XXXX XXXX and asked me for a case #. Told her I didn't have one and that I'd call her back when I got it. Called back an hour later and got a man 's voice mail just saying " Loss Mitigation '' leave a message. Left a message with my phone #. Called a few more times. Same voice mail. No call back. I see no attempt to deliver papers to my home. This appears to be either a scam or an illegal attempt to collect a debt, but I don't know what debt it would be. REALLY not cool to call my employer and my son but not my own cell phone # that I've had for 15 years -- so clearly if they found my employer and son 's #, they could find mine. 

My son saved the voice message should you want to listen to it. In that message they don't even have my last name correct. They tacked on an old married surname from 30 years ago to my current surname.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged BXXXX XXXX XXXXXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX
Product: Vehicle loan or lease

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!