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

After thoroughly reviewing my TransUnion credit report, I was alarmed to find multiple unauthorized inquiries that I did not approve. These inquiries should never have been recorded and are unfairly impacting my financial standing. I refuse to allow inaccurate and unauthorized inquiries to remain on my report, and I demand an immediate investigation. The disputed inquiries include XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all reported inquiries are accurate and authorized. If these inquiries can not be substantiated with verifiable documentation proving my explicit consent, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect prompt corrective action, along with a detailed response outlining the verification process used to validate these inquiries.
Product: Debt collection

I have repeatedly asked for proof that the debt belonged to me via certified mail. They can not provide me the information requested and refuse to remove the item from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

On XX/XX/XXXX, Equifax responded to my requests for verification of the above items. On XX/XX/XXXX, I sent Equifax a certified letter through USPS urging them to provide proof of a thorough investigation into how they were able to verify the above items in regards to FCRA 611 ( a ) ( 6 ) ( B ( iii ). I have attached proof of these requests. On XX/XX/XXXX, Equifax responded with an account history statement showing that these items were being updated on my credit report. Equifax still did not provide me with any transcripts of communication with the creditors listed in the requests. On XX/XX/XXXX, I sent Equifax another letter urging them to comply with 15 U.S. Code 1681i Section 611 6 ( B ) ( iii ) explicitly asking them to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information On XX/XX/XXXX, I sent them a certified letter urging them on my intent to file a complaint with the FTC for their disregards of the law. Equifax then responded on XXXX XXXX with another statement of account history alleging that the five charged off items belong to me. On XX/XX/XXXX I sent Equifax my last request for them to follow FCRA guidelines and provide their method of verifying these items. At this point, I have exhausted all of my resources and this is my last attempt to get them to follow the law or delete these items from my credit report. To this day, XX/XX/XXXX, Equifax has yet to provide me with any proof that they have conducted a reasonable investigation into how they verified these charged off accounts. I have only received communication that they have conducted through E-OSCAR with ACDV forms, which does not satisfy 15 U.S. Code 1681i Section 6 ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

Ive contacted Equifax numerous time have these unauthorized inquiries removed and havent been able to be satisfied or removed
Product: Debt collection

More than 2 years ago went ahead and bought a {$900.00} dog from a local shop. They had me sign up for a {$4000.00} XXXX loan for the dog. Due to financial hardship and having XXXX children I missed two payments. My account was sent to collections. I had a lack on understanding of credit and collections. The collectors called at odd hours and dozens of times per day. Leaving voicemails saying it will affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2013 I talked to a Transunion representative. I ask why they are not providing me verifying information I requested and they she said she didnt have to. I told her about section 609 that they are required to. She refuse to get me with the necessary people that can give me the information. She referred me to the creditor, because they are the ones that provide the information. I ask her do they get verifying information from the company and she said they only do electronic verification. I told her they are required to get physical documentation and she denied that.
Product: Credit reporting or other personal consumer reports

Recently I looked at my a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX Account XXXX : XXXX
Product: Checking or savings account

Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer. 

I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change. 

instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers. 

either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX  XXXX XXXX XXXX XXXX regarding their blatant disregard for consumer protection laws, specifically concerning my recent dispute ( Account Number : XXXX ). My initial dispute letter, dated XX/XX/year>, has gone completely unanswered, despite the clear legal requirement for a response within 30 days. 

This is not just an oversight ; it is a violation of my rights as a consumer under the Fair Credit Billing Act ( 15 U.S. Code 1666b ). I have never received the mandatory notice 21 days prior to the payment due date, which is essential for managing my payments effectively. This failure to notify me has resulted in unjust late payment entries that are severely damaging my credit score and overall financial health. 

The lack of communication and failure to address my concerns reflects a systemic disregard for consumer rights. I am left with no choice but to escalate this matter. I hereby demand the immediate removal of all inaccurate late payment entries on my credit report and a formal acknowledgment of this complaint. 

Let me be clear : if I do not receive a satisfactory resolution within the next 7 days, I will initiate legal action in small claims court. I expect XXXX  XXXX XXXX XXXX XXXX to take this matter with the seriousness it deserves. Failure to comply will result in further actions to protect my rights and financial well-being. 

Sincerely,
Product: Debt collection

XXXX at XXXX, XXXX, MI XXXX is offering me a settlement of a debt that was open in the XXXX 's. They offered me a settlement {$700.00} from a debt balance of {$1700.00}. I have several concerns for instance, the orignial creditor was Wells Fargo. I agreed to pay {$50.00} a month until paid in full. However, this collector is acting very secretive, there is know contact phone number to communicate with them on a regulat basis. Also, I wanted to reduce the amount to {$25.00} because I am on fixed income. I mailed a letter to them in this regards but have not receive a response. I made my first payment of {$50.00} on XXXX/XXXX/16. I was trying to notify them of changes but have been unable to communicate with them. This sends a RED FLAG that maybe these people ( XXXX ) are not a legal collection company. I am worried that they may be a scram please look into this company 's debt collection practices ASAP. I will enclosed their location that they sent me. See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX PS : I have the original letter that was sent to me I can fax this information to your office because it has the account number on it which I did not include here because of sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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.
Product: Debt collection

Upon trying to get XXXX XXXX  cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a hundred dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i did not authorize.
Product: Credit card or prepaid card

XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue. 
I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Experian and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have any records of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA, I was met with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to Santander and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to Santander to have them change information.
Product: Credit reporting, credit repair services, or other personal consumer reports

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX  on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX  on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX-XXXX-XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX My employer is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

I am having a major issue with Wells Fargo. I had a balance transfer issue with Wells, where XXXX XXXX erroneously sent Wells {$5800.00}, and Wells Fargo accepted the funds and has refused to send the funds back to XXXX XXXX  or me. 
This is against the law to steal money, and refuse to return the funds to the rightful owner. 
I don't know what Wells Fargo has done with the funds, but they continue to refuse to return the balance to me, because XXXX XXXX has open a credit line of {$5800.00}, and is charging me for the outstanding balance, which Wells is holding. 
I am paying {$150.00} per month to XXXX XXXX for the balance of funds. I have made 2 payments to XXXX XXXX, and I have never had control of the funds. 
This is a major violation of the law, and Wells Fargo is impossible to deal with,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXX XXXX Acct XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

t has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATARC om Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENER to subsection ( c ) any consumer reporting agency may furnish a consumer report unc following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT consumer to whom it relates. INEVER gave any consumer reporting agency WRITTEN CO NT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!