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

I am writing to formally dispute the presence of multiple unauthorized credit inquiries on my credit report. I have no record of authorizing these inquiries, and I suspect that my personal information may have been compromised ( potentially as a result of the XXXX data breach ). Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 16811681x ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the removal of any inaccurate or unauthorized information from my credit report. 

In particular, FCRA Section 1681i requires you to complete a reasonable investigation of my dispute and correct any errors within 30 days, and FCRA Section 604 restricts access to my credit report to only those with a permissible purpose. I have not provided consent for any of the inquiries listed below. 

The unauthorized inquiries in question are as follows : XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Auto ) PFS AUTO ( Finance ) XXXX  ( Bank ) XXXX  XXXX  ( Finance ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Auto ) XX/XX/XXXX : XXXX XXXX ( Auto ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( XXXX ) XXXX XXXX ( Bank ) XX/XX/XXXX : XXXX  XXXX  ( Finance ) XXXX  XXXX  ( Finance ) XXXX  XXXX  ( Finance ) XX/XX/XXXX : XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX : XXXX/XXXX  XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX? ( date incomplete ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Auto ) XX/XX/XXXX XX/XX/XXXX : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXX : XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX I respectfully request that you investigate each of these inquiries under the FCRA and XXXX, remove all entries found to be unauthorized, and provide me with a written confirmation of the corrections made to my credit report. Enclosed are copies of my credit report with the disputed items clearly highlighted, along with identification documents for your verification. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period mandated by the FCRA.
Product: Checking or savings account

Schwab 's mobile app won't let me take a picture of the back of my check, thus preventing me from making a mobile deposit. I was recommended to mail in the check, but wasn't guaranteed to arrive ( especially with USPS delays and loss of mail recently ).
Product: Debt collection

In 2019 I bought a car from Santander Consumer USA. After one year paying my fees I missed two payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor. Amount of alleged debt.
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN TRYING TO GET A LIVE AGENT FOR HOURS, FRAUD ON MY ACCOUNT AND IM TRYING TO GET CONTACT INFORMATION TO CALL RETAILER DIRECTLY, BUT THEY MAKE SURE THEIR AUTOMATED SYSTEM DOES NOT LET YOU SPEAK TO SOMEONE, YOU GUYS ARE ALREADY BEING SUED FOR INCORRECT INFO ON PEOPLES REPORTS, NOW THEY TRY AND MAKE SURE NO ONE CAN CONTACT THEM IN REGARDS TO FRAUDULENT ACTIVITY!! NONE OF THE OPTIONS WERE GETTING ME TO A LIVE HUMAN NO MATTER WHAT I DO!
Product: Credit reporting or other personal consumer reports

Fraudulent activity regarding a hard inquiry on my Transunion credit report from XXXX XXXXXXXX XXXX on XX/XX/2023. After speaking to the issuer, i was notified that no accounts have been issued, but still, there is a hard inquiry on my credit report that was not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Sequium Asset Solutions. Along with a plethora of fraudulent credit inquiries.
Product: Debt collection

- XXXX XXXX I received a notification from credit karma that my credit dropped from XXXX to XXXX due to the fact that I owe XXXX the amount of {$770.00}. I didnt receive any letter or notification of this debt before it was out on my credit and I use only XXXX for years now. There was no sort of communication or notification from this company about this debt. 
XXXX my social and identity was stolen by an ex spouse of which it was reported to Irs, the police and credit reporting agency and I have a note on my credit stating to confirm anything with me on my phone number XXXX or my email XXXX before it is added to my credit and that wasnt done by this company. 
- This company also lied that I opened this account XXXX XXXX with XXXX and I stopped making payments XX/XX/year> and now it is a collection or charge off. 
- I have reported them to XXXX for further assistance and if they do not respond or take it off my credit I am filing charges against the company.
Product: Credit reporting

I have a twin brother ( who has a similar name as my own ) and our SSNs are virtually the same sans a single number. With this being the case our credit reports have juxtaposed information on them. This presents a problem anytime our credit is checked.
Product: Money transfer, virtual currency, or money service

I sent {$950.00} to a company called XXXX XXXX XXXX on XX/XX/XXXX to supposedly ship a puppy that I had bought online. They claimed the money was refundable ( 98 % ) but have not sent me any of the money back. This was done through XXXX and they aren't doing anything either. I never got the puppy as the next day they wanted more money to " transport, quarantine and give shots to puppy ''. This dog was shipped from North Carolina and supposed to go to Texas but for some bizarre reason she was shipped to California. No reason given but then they claimed the dog had to be quarantined.
Product: Student loan

I called EdFinancial twice this week in regards to getting a refund for payments I made since XX/XX/2020 ( the COVID-19 period ). They aren't able to provide any information whatsoever about the refund including but not limited to when the refund will be reinstated and when the refund will be granted ( other than a general remark that it may take up to 9 months, which is an incredibly long time for a refund considering that if I make a payment it gets processed from my account in a few days maximum ). Other very similar federal loan providers give timelines that are much shorter and much clearer in expectations, including XXXX XXXX which has had some people GET the refund back within a week. This worries me about whether I will be able to actually obtain loan forgiveness, which I very much do qualify for. I hope that this lack of sufficient preparation on Edfinancial 's part doesn't hinder my ability to get the forgiveness I qualify for.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONVERGENT OUTSOURCING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$1400.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making this major purchase and business ventures that have to be delayed until this illegal account is removed. CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. The accounts I want to removed are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to report a violation of : 1. 6.2-2217. Limited recourse ; repossession and sale of motor vehicle. 

My spouse and I purchased a XXXX XXXX XXXX from XXXX in XX/XX/XXXX that was financed by American Credit Acceptance (  ACA ). 
The vehicle was repossessed without warning in XX/XX/XXXX after we paid the agreed upon partial payments that ACA had been accepting. We were allowed to pay a fee and reinstate the loan. 
Our interest rate is 25.80 percent which we feel is due to our poor credit at the time. 
We had actually visited XXXX for another vehicle and was approved and then told that the vehicle ( XXXX XXXX ) had fallen off the back of the transport truck. 
We felt forced to just settle for the XXXX based on our credit. Financially we should not have been approved for such a loan, we could not afford it. 
Total, we have paid over {$30000.00} and we still owe. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX  Account opened ( NOT BY ME ) and used twice with no payments made disputed with XXXX and they would not remove because the account was used twice Opened in XXXX  2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF ED XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX BANK, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX I was wrongfully charged overdraft fee even though my account had positive balance on it. A day prior and day after there were money deposits on XX/XX/XXXX and on XX/XX/XXXX to cover transaction in question XXXX XXXXXXXX XXXX XXXX grooming place ) for {$66.00} and other transactions.I was calling Wells Fargo customer service to resolve the fee with no results with several people, afterwords opening a case # 1 with their Escalation Department case # XXXX XXXXCase # 1 was opened on XX/XX/XXXX. On XX/XX/XXXX a " resolution '' email was sent to me reporting why I was charged which was not a true case and nothing was investigated.Only generalized info was sent to me.I had to open another case that is pending now case # 2 on XX/XX/XXXX # XXXXMeanwhile I called first investigator case # 1 XXXX XXXX and we discussed the mistake in first case and also that nothing investigating was done in that case .He stated he saw the mistake and would be calling me on XX/XX/XXXX after XXXX XXXX.No calls followed.I had to phone Escalation Department on XX/XX/XXXX in order to talk to XXXX XXXX personally but he was not available, after asking for supervisor, agent stated she is not available as well and must be on meeting.I have been dealing with Well Fargo almost a month now over the phone for hours with no resolution.Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
Product: Student loan

Naivent representatives are repeatedly calling my sister, mother and other family members requesting information about me and asking them to call them back.