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

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information. Equifax, The offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name : 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 I'm requesting that these items be remove IMMEDIATELY : Please promptly remove this data within 4 business days to pursuant to 15 USC 168-c-2 to avoid any further legal proceedings. Thank you for your timely complaince!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove XXXX XXXX XXXX from my credit report. Charges are not mine and or fraudulent. 


XXXX will not re-investigate fraudulent charges on my credit report that are not mine.I thought the law stated that credit reporting agencies had to investigate if a request is made. 

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

Transunion has put a negative statement on one of my accounts. The account in question was a refinance of an existing account. Instead of stating that. Transunion said my account balance increased as if it was a bad thing.
Product: Vehicle loan or lease

I purchased my car on XX/XX/2023 I have been having problems with my car from the time I purchased it with mechanical problems now the business has closed. I'm still having problems with my car and the warranty doesn't exist anymore now the want to come and repossessed my car
Product: Mortgage

Our escrow account is short almost XXXX dollars. Our taxes have not changed and our mortgage payment went up only XXXX dollars per year. So where is the money that is supposed to be put into our escrow account? I have never had this problem with other lending banks. My mortgage is with Wells Fargo and I know they are found to be doing illegal things in the banking division. This may be one of them.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to use my Citibank debit card XXXX at XXXX and it declined saying I need to call my bank even though I have sufficient funds. After a couple of calls I was told my account was locked because of a suspicious deposit. She said there was a suspicious deposit to my savings account on the XXXX of XXXX. I explained to her that my mom just passed away. My brother is a co-signer on my mom 's account ( I am a beneficiary ) and he transferred half to me. She tried to unlock my accounts but said unfortunately that wouldn't be possible. I asked for a call back from a supervisor. I never received a call back. I got tired of waiting and called and got a supervisor in the security department that informed me my accounts have been locked, are being closed, and my funds will be sent to me in 30-60 days. No discussion. No reason. He said I would get a letter in 5-7 days notifying me. He said " you signed the terms when you opened your account and it states on page 35 that Citi can close your account at any time for any reason '' I keep my savings and checking with Citi so they have all of my money and I am left with no way to pay bills, rent, health insurance, buy food, etc. I called Citi Executive Response Unit. The lady I spoke with gave me case # XXXX. Please let me know if I have any recourse. I can't wait 30-60 days to pay bills and eat.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found that there are inaccurate accounts listed. I ask that you investigate each account lawfully and provide a detailed description of the investigation process. Under Section 15 USC 1681 ( 7 ). Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. The dates opened and closed on the following accounts are inaccurate and the amounts are inaccurate. You Can't provide the description of the investigation so remove these accounts 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

On XX/XX/2024, a complaint was made to remove all addresses that don't belong to me, including incorrect names. I have pulled my credit report to see if some have been removed, but some still remain. I am requesting that this be removed immediately with no delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ATTACHED SUPPORTING DOCUMENTS TO MY ASSERTION. PLEASE REMOVE THE ITEMS CATEGORIZED IN MY FTC REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in 2020, Im not assure of when I lost it, The following year until now, I've seen a unauthorized car loan and multiple inquiries.
Product: Student loan

I went to XXXX in 1989. I started with a {$6000.00} loan. I was a single mom and could n't pay this loan. It is now $ 39,000+. I wanted to go back to school so I contacted XXXX for my transcripts. THERE 'S NO RECORD OF MY EDUCATION? NO RECORD OF MY XXXX. This school closed down many years ago. My question is why do I have this outstanding loan with no record of my education that I would even be paying for?!?!?!? 

Navient is my lender. They will get me no answers or resolutions XXXX.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX  I was notified by XXXX that I had a collection filed against me from H & R Accounts , Inc. for {$520.00}, for XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I visited this E.R. late in the evening. I was checked in and gave them my driver 's license which had an old mailing address on it. After several hours of waiting and seeing no one, I left. Since then, I find out they ( XXXX ) billed me {$520.00} for no services rendered. On XX/XX/XXXX I asked H & R to send me the billing, something in writing to show what I owed for since I never received services. They said they didn't have anything, would have to request it from XXXX. I was able to login online to XXXX and it showed no services were rendered other than being checked in, and I sent this to H & R. No response. I have given H & R my current mailing address, email and phone, back on XX/XX/XXXX. They have never again reached out to give me any information. I contacted them again on XX/XX/XXXX and spoke with a XXXX XXXX who told me they still didn't have any documentation to show what I owed for, and he told me they didn't need it. I filed two XXXX  complaints against XXXX to which they never responded, and I filed one XXXX  complaint against H & R, to which they responded with " H & R Accounts ( H & R ) acknowledges receipt of the XXXX XXXX XXXX Complaint ID # XXXX filed by the consumer on XX/XX/XXXX. Due to a host of consumer protection laws governing our industry and because our response will become part of a public-facing forum for XXXX  complaints, disclosure of protected health information to address allegations will follow the minimum necessary standard. Our investigation confirms the existence of one account listed under the consumers name. The consumers account was listed with our office on XX/XX/XXXX, for services rendered by a medical service provider on or about XX/XX/XXXX. Upon placement, H & R mailed an initial collection notice to the consumer. This notice contained validation notice elements required by the FDCPA, and this notice did not come back as mail return. We have verified the account with our client and confirmed services were provided to the consumer on the date of service. The account has been marked disputed and we will send the consumer the results of our investigation for their records. Should the consumer have any questions, they can contact collection manager XXXX XXXX at XXXX. 

I want this removed from my credit report if they refuse to provide proof that I owe anything. My credit rating dropped over 30 points due to this. I pay my bills- if I received services for medical issues, I pay them. I find this to be unfair collection practices to report against someone's credit report and not provide them one piece of evidence that this amount is truly owed. I am entitled to see an invoice showing what I owe and for what services.
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.

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. 

1.XXXX  XXXX XXXX XXXX 2.XXXX  FINXXXX XXXX 3.XXXX  XXXX  XXXX XXXX  - XXXX XXXX 4.XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Data Breach has severely put my identity at MAJOR risk for potential misuse. I have spent XXXX days now checking my credit for inaccuracies. Discovering data selling as an industry. Along with other American atrocities, this has taken a lot of time out of my life and added stress and pressure to my life. Affecting me deeply with the various things i have discovered and the sheer horror and terror I have been overcome with knowing how truly vulnerable my personal information is.
Product: Credit reporting or other personal consumer reports

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing the accounts. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Transunion, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Transunion is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 
Can you reinvestigate the inquiries listed below. I also attached evidence 1. .XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX Bank XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Experian to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. i even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously complained about XXXX XXXX. They stated my issue would be resolved by XX/XX/XXXX. They called on XX/XX/XXXX to say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution
Product: Debt collection

I have no knowledge of this debt. Im a young entrepreneur trying to build my credit. I need this removed from my credit because I'm trying to build my business. Credit is important to me and by this being removed it was greatly help out my score because i have no knowledge on what this collection is. I've contacted the collection agency to get this removed and nothing was solved.
Product: Credit reporting or other personal consumer reports

Im deeply disheartened to see unauthorized inquiries appearing on my credit report tonight. I checked my report as usual, but now its showing unexpected discrepancies. I tried refreshing my browser to fix what I thought might be a glitch, but the unauthorized inquiries remain. Im extremely frustrated and request an immediate and thorough review of the documents Ive provided so I can stop worrying about this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian denied my application for a loan from XXXX  XXXX XXXX  for an XXXX. I believe the denial was XXXX, based solely on my last name being XXXX. I have a high six-figure come - my wife, with whom I share all my accounts, was able to get the loan approved using the exact same credit card, despite not having worked for 7 years. Her name is listed as my wife on the expedan data base. My credit score is XXXX. The only difference in the 2 applications was my XXXX name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a loan and they stated that my car loan has not been reporting on my Equifax report. I tried calling XXXX and they stated that he has been reporting but I am also not seeing it on my report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX XXXX, XXXX XXXX, 2020, XXXX XXXX  XXXX XXXX XXXX XXXX, 2020, * XXXX XXXX  XX/XX/XXXX, 2020, and XX/XX/XXXX,2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/year>. I got call from Harris & Harris about a debt. XXXX. I never received any notification about this debt prior by mail or otherwise. XXXX. They agreed to send a letter of deletion of the debt for a pay to delete deal. I paid the debt and called back the same day. They said I must wait for it to process a couple days. I called back XX/XX/XXXX. They confirmed it was deleted but refused to honor the pay to delete agreement. The agreement was verbal. They said they did recorded lines so full copies of the conversation should prove they agreed. The violations they have committed are XXXX. False and Misleading Representation Under 15 U.S.C. 1692e ( FDCPA ) and California Civil Code 1788.17, debt collectors can not make false promises to induce payment.

2. Failure to Honor a Verbal Agreement If an agreement was made in good faith, your failure to fulfill it constitutes unfair and deceptive business practices.