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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, a credit report can only be accessed under specific and legally defined circumstances, such as with my explicit written consent or for permissible purposes under the law.

As outlined in 15 U.S.C. 1681b, accessing a consumers credit report without permissible purpose is a violation of federal law. This unauthorized inquiry has affected my credit score and may lead to further negative consequences if not corrected immediately.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws designed to protect consumers, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft Given these violations, I kindly request that TransUnion investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please provide me with an updated copy of my credit report. 

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

Sincerely, XXXX XXXX XXXX Attachment : 15 U.S.C. 1681b Permissible Purposes of Consumer Reports 15 U.S.C. 1681b outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. These purposes include : In response to a court order or subpoena. 
With the written consent of the consumer. 
For legitimate business needs related to a credit transaction, employment, insurance underwriting, or account review. 
Accessing a consumer report without XXXX of these permissible purposes is a direct violation of federal law and can result in legal consequences.
Product: Credit reporting, credit repair services, 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.

1-XXXXXXXX XXXX XXXX  has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/2024
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly erestigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts/inquires that I have marked inaccurate. 

XX/XX/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
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 Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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: Vehicle loan or lease

I bought this car financed to this day with the XXXX dealership of XXXX XXXX, which since I made the purchase resulted in mechanical problems, I made my purchase in XX/XX/year>, at the time I made the purchase I used a person from that same dealership as a translator because my XXXX is not good, Spanish is my first language, so this person named XXXX, that's what they call him at the dealership, told me that there was no problem with the vehicle and made me sign some sheets where I gave awareness of what he had told me about the car, now this is my case. A few days ago I tried to exchange my car for a new one and I found out that this car has been related to an accident and that it has structural damage to the car. right side and it is not safe, this is how the person I tried to make the exchange with let me know, as the first buyer of a car from a dealer I feel that they lied to me just for making the sale of that car, also since the year 2021 until this current year, I have had to take it to be repaired more than XXXX  times due to different mechanical failures. Today I have taken it to be checked XXXX times for a failure that they have not been able to fix, now I am looking for help to be able to recover my investment now. the car seems to me to be a lemon car
Product: Credit reporting or other personal consumer reports

I have been XXXX and have documentation included to provide that these accounts were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It XXXX Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by XXXX XXXX. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX Texas to inquiry about the pending active suit against me filed by XXXX XXXX several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that XXXX XXXX sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to DELETE from my credit file. UPDATE SEE ATTACHMENTS : Attached proof of documentation from court concerning XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX For XXXX. XXXX  has sent Court order TO DISMISS THE CASE AGAINST ME AND ORDER has been SIGNED BY JUDGE in the jurisdiction, where the initial petition have been filed! XXXX  dismissed my CFPB case I sent on last week and that was close so Im re-opening this because the proof is there in the form of legal document, signed by their hired attorneys from XXXX XXXX and signed by the Jurisdictional Judge in my city. THIS THE SECOND TIME IN ONE WEEK OF MY SENDING THIS INFORMATION TO XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.
Product: Debt collection

XXXX XXXX is reporting and trying to collect the incorrect amount of a debt. The debt is closed and has been since 2017, however XXXX is adding over {$46.00} a month to the debt and putting that information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.
Product: Bank account or service

I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.
Product: Money transfer, virtual currency, or money service

Last year, my account was closed by paypal without a reason, and they can not tell me what happened with my account. They just can not help me to do business. That is annoying. Anyway, I was informed I can withdraw the balance after 180days. However, In XX/XX/2020, I noticed an unauthorized activity done by paypal, the money in my account was gone. It shows in the transaction note " {$9500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ''. 

I called, no one can tell what is that about. I tried to reach them several times for help, though the line is busy. a few months have passed, nothing worked. life is hard on me. I still gon na need to pay bills for the family. 

I just heard from a friend that I can file a report here. my paypal email is XXXX. 

Thanks in advance!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent XXXX, Equifax, and XXXX letters highlighting accounts on my report marked as XXXX XXXX. I Informed the company in writing that an XXXX XXXX is an XXXX of indebtedness and a XXXX of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of XXXX. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.
Product: Credit reporting or other personal consumer reports

To whom this may concern I am taking this time to write you in reference to updating my personal information with your company.

Please update my personal information. There is only one proper spelling of my full legal name which you can find in the attached documents I have provided. My only address in your records should be the address listed on my state issued license which I have provided a copy.

Remove all of the other addresses off of my credit report. I have no association with any other addresses. The post office will not be able to deliver to inaccurate addresses. 

I DO NOT HAVE A EMPLOYER : Remove all phone numbers on my credit report. You are violating the Fair Credit Reporting Act since my personal information are not accurate.
Product: Debt collection

I recently received XXXX different correspondences for XXXX different debt collections under the company Brock & Scott , PLLC XXXX XXXX XXXX XXXX. Upon reviewing the correspondence, I requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

Brock & Scott , PLLC XXXX XXXX XXXX XXXX sent me what they believe is validation of debt owed of the accounts, however by doing that it was found that XXXX Brock & Scott , PLLC XXXX XXXX XXXX XXXX failed to include companys permit number of collection agency on the stationery/correspondence form ( copies attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX. All collection agencies identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( XXXX, XXXX XXXX, s. XXXX ; XXXX, XXXX XXXX, s. XXXX ; XXXX, c. XXXX. ) Brock & Scott , PLLC XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. Attached is the entire Article XXXX. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance who specializes in the Collection Company general statures, they confirmed that any stationery or form correspondence with debtors must contain the permit number of collection agency. The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Brock & Scott , PLLC XXXX XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; XXXX XXXX XXXX.
Product: Consumer Loan

When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.
Product: Checking or savings account

I exchange a check on friday, XX/XX/XXXX. 
On Monday, XX/XX/XXXX, they refunded me only part of the check, subtracting {$300.00} dollars. 
Monday of the same day i went to the bank to ask for an explanation about my lost money. they told me check was in hold, that it will be ready yesterday XXXX or friday XXXX XXXX but today XX/XX/XXXX of XXXX  they are telling me they are not goint to refunded me any money cuz i have to make a report.
Product: Debt collection

As of XX/XX/XXXX I was no longer a resident of XXXX XXXX I gave written notice signed by a leasing agent manager on XXXXXXXX XXXX XXXX  My ex partner was still a resident as per his and the previous agent manager agreement and acrrued a balance of XXXX XXXX I had already vacated the property as stated in my lease break agreement and signed a new lease to the XXXX XXXX XXXX XXXX XXXX. I had went to eviction court and won the notice as I had already vacated the property. I am now being contacted by a debt collector and received notice as of XXXXXX/XX/XXXX. I disputed this both with the collection company by written notice to IQ XXXX  as well as email to XXXX credit bureau. I wish to have this taken off my credit report as it is not my debt.
Product: Credit reporting

I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time ....
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting false information this account was charged off and I never received a 1099 C cancellation of debt from this company, I would like a copy of the 1099 C and verification it was filed with the IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not exactly sure what kind of account was opened but I have never opened an account with XXXX. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at XXXX or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX  XXXX XXXX ) and 1 business bank but never any XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit. I want the fraudulent to be removed from my credit immediately because they hurt my ability to obtain credit.