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

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
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 : 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 XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must comply with the FCRA 's XXXX 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 XXXX
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. 

Account name : XXXX XXXXXXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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

I am a current student of XXXX XXXX with XXXX classes left to XXXX. Back in XXXX I had taken some time off and put my loans on Forbareance or in deferment with a Fed loan. 

doing this over the phone I had thought that my Forbareance would not expire until Q1 of XXXX. There was a communication mistake made on either side. 

In XXXX and XXXX of XXXX, Fedloan had reported over 10 instances of late payments of over 90 days. I contacted them and spoke with them but there was nothing that they are willing todo. 

this has hurt my credit score by 120 points and is now stopping me from purchasing a property. 

logically speaking, even if I was paying for the 90 days, I would not have paid for all of the credits reported which is over XXXX worth of credit, when speaking with them they said they report it once, and because I have multiple loans the negative reports would multiply for example 10 times because I have 10 instances of loan for the classes I took ... 

So, for a single 90-day late payment, I got reported delinquency for over 10 loan accounts and is now sitting permanently on my credit score. 

this is not a fair act at all, jeopardizing my living by over-reporting and not fixing the delinquent reports. 

I am NOT delinquent, and I am still in school, XXXX  and XXXX  show delinquency of over 90 days for over 10 times of reports for a single loan. not logical or correct. the Fed loan is not willing to work with me at all. 

Fed Loan says that they had communicated the delinquency information over an email, however checking the email I see nothing! perhaps they went to SPAM? they are not taking students ' matters seriously and are acting as if it does not matter to anyone. 

I am willing to Sue this company to report my information correctly as they are not and are hurting me for mis information.
Product: Mortgage

I have been dealing with issues with this company for the past few years.We tried to Refinance this loan for modification during Bankruptcy in XXXXWells Fargo denied us a modifiaction.Then after my husband passed in XXXX to his name only being on the loan.Wells Fargo went in behind my back and had my property reappraised at their cost and tried to get me to Refinance this loan with a upgraded home value.Then they suspended my online account access.My payments have been increased without any explanation why.This company keeps saying my escrow account is short but its not adding up to the payments being made.My calls in the past were ignored and not returned.I did seek legal counsel and was told the Loan does look predatory and their actions are unjust.I 'm prepared to seek legal action.Wells Fargo it looks like is trying to take advantage of my name not being on the loan due to my Spouses passing.I have a right to know where my money is going .I have XXXX children to support as a single parent.I have made payments on time due to wanting to keep our home.Every year my home payment keeps being changed.My loan balance due should be lower than what it is showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm getting another letter from Exeter Finance saying my paying car off was a trivial matter. They wont take the issue off the XXXX XXXX. 

I submitted a dispute. 

The payment in full $ 12,000+ was received from the car dealership and the creditor recorded it as late. It is lowering my credit score and they wo n't take the derog off the report. XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed items
Product: Money transfer, virtual currency, or money service

Here is how I have been victimized by XXXX XXXX and Cash App. 

I started investing in XXXX in XX/XX/XXXX and started out with {$300.00} then I took a large chunk of my retirement money to invest by buying {$5000.00} thru Cash App on XX/XX/XXXX. This was my first time I've ever invested in XXXX. The investment firm I worked with at the time had assigned me a trading XXXX to step me thru the process of continually buying XXXX thru Cash App every few days. XX/XX/XXXX I bought {$100.00}, then I started withdrawing what I had bought directly to this investment firms wallet address. For 3 days I withdrew all that money I had bought to the investment firms wallet address. Then on XX/XX/XXXX I ended up buying {$1000.00} more of XXXX. Then for 3 more days I withdrew that amount I had bought and sent it to the investment firms wallet address. Then on XX/XX/XXXX I bought another {$5300.00} more of XXXX thru Cash App. This whole time not knowing that my money was going to an investment firm that would never release my profits they had promised me. I came to realize after {$31000.00} was bought in XXXX XXXX Cash App and realized that I've invested all my life savings including my retirement money thru my work was gone, I had nothing left to give. This investment firm had milked me out of all my money and promised me I would be able to transfer my profits of {$310000.00} that had grew in 3 months, not knowing that I could not withdraw my profits because supposedly according to the firm, they could not release my profits without paying an additional {$16000.00}. This went on since XX/XX/XXXX. At that time I felt helpless and did not know what to do. I got scared. I needed my money back. I finally realized I had lost all my money to a fake company that pretended to be legit, but isn't. They had a fake license. Fake ID. Fake website. I needed help. I got scammed! 

Kindly find the conversations between me and the scam company attached. 

I've never been through this before. So the whole {$34000.00} I lost to a firm that has scammed me out of my money. Found out this investment firm has scammed not just me, but a large number of investors. I thought by investing I would get a big return. Obviously not. 
So I'm asking Cash App to please reconsider your decision to refund my money back to my bank account, so I can feel confident and secure about my future. I dont have a future now because all my money is gone. I'm XXXX XXXX XXXX. I have grandkids.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have sent Equifax information to have XXXX Inquiries removed from my report that is not mine. 
- I disputed the information originally on XX/XX/XXXX and it came back verified. Which shows they never truly investigated these inquiries. 
- I sent in 3 letters via mail and they proceed to state they haven't received them. 
I sent certified mail the XXXX time on XX/XX/XXXX and it was received on the XXXX of XXXX. 
The XXXX time I sent regular mail as I didn't want to continue to pay extra. 

I have verified the address several times with them and it's the address they have received things at previously. 

After XXXX attempts by mail ( XXXX being sent on XX/XX/XXXX ) and my letter is not being " received ''. I spoke with someone about the problem of it not being received and they told me to send it via fax. I have tried that 4 times now and have not received anything back from them and the removal has still not happened. 

EACH TIME I HAVE SENT MY LETTER, FTC REPORT, AND ID and SSC. I have sent everything needed to have these taken care of and Equifax continues to avoid and lose XXXX letters I have sent to them. 


This is absolutely going against the Fair Credit Reporting Act and needs to be resolved. If not I do plan on filing a lawsuit at this point.
Product: Debt collection

Southwest Credit Systems placed a trade line on my account, without a written notice to my address. 

Amount {$150.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cash app failed to take timely and specifically, cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving and up my account vulnerable and unprotected, furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Bank account or service

PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are too old to be on my credit report : 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

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : 1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Inquiry Date : XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Credence Resource Management LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Vehicle loan or lease

i went to triad in my car for a newer one and was told that my car is not worth what they are charging me and that i have XXXX $ in negative equity and i still have over two years left on the loan and owe over XXXX $ and i was told that my loan should of been paid off because its not worth what they are charging because my car is only worth XXXX $ and by the time its paid off it will be worth XXXX $
Product: Student loan

Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. 

Proof of the completed form is attached to this complaint. 

I need confirmation that Nelnet has processed this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, experian, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i wrote and sent certified letters to all three credit bureaus. Experian, XXXX XXXX, and XXXX. I stated there was inaccurate information constantly being reported on my credit report. XXXXXXXX XXXX XXXXXXXX is a collection account that is reporting not only as OPEN but also shows a past due balance of {$920.00} and sometimes {$920.00} it varies every month when they report. they are also reporting late payments when there is no due date. this is a violation of the FRCA and of requisite XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX false payments with discrepancies in dates in the payment history section. claiming paid on XX/XX/XXXX then missed payment on XX/XX/XXXX of a closed/charged off listing which is also being reported as Past due in the amount of {$710.00}. this account was charged off and closed in XXXX. 
I asked all three bureaus to remove false/ inaccurate information and verify these debts if not I would like them removed. 
I got a response that everything was verified with little to no change. XX/XX/XXXX i sent a Method of verification letter asking how they did their investigation. I asked specific questions like who they spoke to and the name of the creditors with original documentation, etc. I expected a response in 15 days in accordance with FRCA 611. or it needs to be deleted. 
what I have received is a letter from Experian in a timely manner, saying the reinvestigation has been done and is verified. no other proof was provided even tho I clearly asked for detailed information about the investigation. 
i received a letter from XXXX that there is an issue with my address. did not address my actual letter. 
XXXX failed to answer at all. does not even update their information. 
XX/XX/XXXX i called all three bureaus about the letters I received. specifically, why i haven't received the proof that you did your due diligence on the investigation. I was told by emplyees of 2 out of the 3 bureaus that. '' they do not have to provide that information to me by law. the debt is verified and that is all. '' I asked to speak to someone else I was put on hold for another 30 mins and hung up on. they were rude and combative. I quoted the law to them and I was met with a refusal. and I'm still seeing reports of late payments on a collection account like it's renewed i believe they are messing with the statute of limitations and my overall credit health by reporting what they like when they like. because they don't get held responsible. what is the point of the Fair credit reporting act if they aren't going to abide by it? I feel helpless in this situation and don't know what else to do but to go forward with legal action if this does not get resolved soon.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into several inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 
To facilitate the verification of my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TransUnion fulfills its legal obligations and conducts the necessary investigation promptly.