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

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : Experian XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time Equifax has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to Equifax stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

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

Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

I asked what I could do to settle this because I apparently had some one taking advantage of my information, numerous discussions and disputes they told me I had. To pay, they also stated. That I could not remove the information and charge offs I told them someone took advantage of my information I disputed them and discussed them and they are still on there I had to XXXX and do my research
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.
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. 

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 th

an 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 pers
on knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized  payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was  approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.
Product: Vehicle loan or lease

SANTANDER/XXXX XXXX XXXX me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, SANTANDERXXXX XXXX XXXX entered Consumer and Lender into a consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with 12 CFR 1026.4 - Finance charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, a requirement of a down payment nor the statement of reasons as to why I've been denied.
Product: Checking or savings account

BMO notified me by mail about fraud in my married name. Someone tried opening 2 checking in my name
Product: Checking or savings account

I got sick and tyred this Friday of my account being blocked from making a payment. First, I got into my account, but Chime did not allow me to use my computer to send money for rent payment and redirected me to do it on my phone. When I got on the phone, I was not allowed to do it either. So, the agent had been consulting and finally I was transferred to another agency. I was demanded to do a special verification first. They told me to catch the link sent on my phone, to scan both sides of my ID and after that take a selfie. I could not fall through with that suddenly requested nonsense after I along with SS direct deposit was their customer for a several years. My first call took an hour of my time and the link didn't work, the phone was slow and getting frozen, and had a trouble opening the link and when I finally tried to take a picture the agency disconnected and did not call me back. The second call took another hour. In my second call, I asked for a supervisor and didn't get XXXX. I was told that the supervisor will not make a difference. I had to demand agent XXXX to connect me with supervisor. I was kept on hold and still did not get it. The second call took already another hour and when I finally tried to scan my ID again, it clicked and the phone got disconnected, like the picture of my ID got stolen. I told them that I am going to complain to the CFPB, because they obviously did not allow me to use my money, refused to connect with supervisor, created a new rule that was an obstacle not to let me use my money. Something strange is going on against American citizens while XXXX XXXX XXXX XXXX XXXX Why suddenly Chime began to demand from me to use my phone for Chime application and didn't allowing me to do it on my computer. After that saga I tried to access my account back on my computer. This time, I wasn't allowed to access my account. This is obviously outrageous abuse. It didn't look good at all and I feel like picture of my ID got stolen. What it was for? Now, I have do not getting sleep and type with XXXX finger that complaint.
Product: Debt collection

I was called today by this company and told there was a civil suit against me. I have nothing in collections or past due for that matter. Tonight on the same day my ex wife ( we've been divorced for XXXX years ) was called by the same person and left the same message.
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. 
XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

Ive formally contacted Equifax in regards to the unauthorized accounts listed on my credit report. In reference to their data sharing policy they have to have my consent to report anything on my credit report. I have made several attempts to remind you of your duty pursuant 15 1681. Under 15 USC 1681 A number 3 they did not have my consent or respected my rights to privacy. Under 15 USC 1681 Number 4 they did not exercise their grave responsibility, of being clear and concise they are being unfair and partial. Under 1681 b number 2 I never instructed you guys to furnish this report and never consented to this report.
Product: Credit reporting or other personal consumer reports

This company is continually furnishing my consumer report with falsified information, to which they have not verified according to federal statute. They have consistently and maliciously targeted me and are currently violating my rights to privacy, as they are slandering me in the public by use of my consumer credit report ( s ). They have not proved to have loaned me money and have not verified their claim of having done so. Yet they are slandering me publicly, causing me injury and damage, as Ive been unable to obtain use of my credit through their fraudulent business practices. They have conspired with others to violate my rights. They have violated interstate commerce and have broken federal laws to profit and gain from the illegal use of my private information.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I was a victim of fraud with the scammers taking {$3000.00} this was taken from my account on XX/XX/2024. I noticed this when the amount was deducted from my account on XXXX XXXX and I contacted my bank Wells Fargo on XXXX XXXX to help me dispute my case and they said they were working on it when I went to the physical bank on XX/XX/2024 to gain access to my mobile banking account. On XX/XX/2024 I received a letter from Wells Fargo Closing my case, I followed up with the company and asked why they closed my case when I had just told them I was a fraud victim. The representative replied we approved the amount because you used your phone number. I had explained to them that the charge was made in XXXX XXXX when I told them I did not make a charge for that much money and that I was in XXXX, Texas at that time. I continued to ask to reopen my case until today I received an email about my case status and they still have it closed. After talking with another representative they transferred me to the person who wrote the email and worked on my case but they were not available and asked me to leave a message and I left a message on their voicemail. As of right now that is everything.
Product: Credit reporting or other personal consumer reports

Equifax is continuing to keep sending me stall letter so avoid fixing the inaccurate information on my credit report, now I received a letter saying they cant verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to me
Product: Credit reporting or other personal consumer reports

According to the comments on the accounts listed in my credit report, it appears that the credit bureaus have attempted to sell my information to a third-party agency. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that my personal information must be kept private, accurate, and protected from misuse. Given that I have already been impacted by several data breaches, this behavior further jeopardizes my personal information and security. Additionally, with Experian currently facing lawsuits for errors and damages on consumer reports, this serves as proof that my information has been mishandled or sold. As such, I am requesting the immediate removal of these accounts and a {$1000.00} remedy for damages caused. Any consumer law attorney would agree that this matter is actionable. I also demand that you cease selling my personal information to any third party moving forward. This is defemation of character and effecting me from buying a home!!
Product: Checking or savings account

I'm lock out of all my money. Online banking change something on Monday XX/XX/XXXX taxes day. They put 74 page read before they unlock your money. They said that they got the word on Friday XX/XX/XXXX. They DID NOT put anything out on Friday Sat, Sun, and lock us out on Monday. 74 pages of bull ... and words that only a atty would know. Why did they do this on the day that you need to move money??? Is they something that they don't want you to see. I still can't get my money. My taxes are not on time, bills are not payed. All this without notice ... why didn't they sent e-mails, put something on the web Friday??? WHY LOCK OUR MONEY TELL WE SIGN. HOLDING MY MONEY FOR RANSOM. YOU SIGN AND YOU GET YOUR MONEY. SOUNDS LIKE WE HAVE LAWS ABOUT THIS ... I CALL THE BANK AND THEY SAID YOU HAVE ACCESS TO MY MONEY. IT'S XXXX XXXX  AND THEY CLOSE AT XXXX. THE LADY DID NOTHING FOR ME BUT ABUSED ME ... I GET A XXXX ON THE PHONE TO UNLOCK MY MONEY TO PAY BILLS. AND I '' LL READ THIS LATER. WELL THAT WAS LIKE TALKING TO A ROCK. PLEASE GIVE ME ACCESS TO MY MONEY.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified information on my credit reports that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Mortgage

XXXX XXXX XXXX has foreclosed our home illegally. My husband and I have been trying to get a mortgage modification for about 6 years. We have applied approximately 28 times for a mortgage modification with XXXX XXXX XXXX, and more recently with Selene Finance. My husband is XXXX, and I am in the process of applying for XXXX as well. Originally XXXX were servicing this loan. They got in trouble or something and XXXX XXXX XXXX began to service it. We applied, basically, every 90 days for a mortgage modification after I lost my job, due to a work related illness. They would tell us that we did not submit a document or we did not reply within the specified time frame. All of these reasons were untrue. This appears to be XXXX nefarious scheme to steal real estate property, and were subsequently fined for these illegal practices. About the time the Florida Attorney General was closing in on XXXX XXXX XXXX, they sold the mortgage to Selene Finance. We tried to apply for a mortgage modification again but the balance had increased by {$50000.00}. To a new total of {$200000.00}. In the meantime, we have experienced a sinkhole under the home and are currently in litigation with the insurance company. XXXX XXXX XXXX tried to file a motion to stop the foreclosure due to the sinkhole claim, but the circuit judge denied the motion. We filed bankruptcy to stop the sale. When the bankruptcy was discharged due to not being able to pay the filing fee, XXXX XXXX XXXX again initiated a foreclosure. XXXX XXXX XXXX foreclosed on the property illegally. Selene Finance has been the owner of the mortgage since XXXX, XXXX. XXXX XXXX XXXX stole the property through their robo foreclosure law firm XXXX XXXX, on XXXX XXXX, XXXX. There were other purchasers at the foreclosure sale, but the County Clerk did not give them a chance to bid. Instead they sold the property to Selene Finance in the back room for {$100.00}.