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

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Additionally, I filed a police report about these unauthorized inquires, which is attached.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my drivers license and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Thank you for your help and assistance. 

Your cooperation and prompt attention are required by law. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date of Birth : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Notice of Dispute Inaccurate Information on Credit Report Credit Report Numbers : TransUnion : # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following errors that require investigation and correction : Inaccurate Information : 1. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Inaccuracy : Reporting inaccurate account details. 

Supporting Documentation : I have enclosed copies of the following documents to support my dispute : Copies of my credit reports from TransUnion. 

Request for Investigation : Under the FCRA, you are required to investigate and correct any inaccuracies within 30 days of receiving this notice. Please : 1. Investigate the disputed items.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Provide me with a written response detailing the results of your investigation.

4. Send an updated copy of my credit report reflecting the changes.

If you determine that the disputed information is inaccurate, you must also notify the furnisher of the information ( e.g., the creditor ) to ensure their records are updated. 

Additional Information : Full Name : XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : * -- XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please confirm receipt of this dispute and keep me informed of the investigations progress. If you fail to respond within the required timeframe, I reserve the right to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 
Sincerely, BY : XXXX XXXX, XXXX XXXX FOR : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE Enclosures : Copies of my credit reports from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hired XXXX XXXX on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : department of education/Nelnet. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and department of education/Nelnet XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was reviewing my Bank of America account. I noticed that charges had been made to my two Bank of America credit card accounts totaling {$25000.00}. The next day I contacted BOA and filed a fraud report. The transactions were dated XX/XX/XXXX. BOA initiated an investigation and suspended the debt on my cards. 

I remember the date as on the same day my e-mail had been flooded with about 200 unsolicited messages from a variety of global businesses, charities, political organizations, etc. 

On XX/XX/XXXX. XXXX I received a letter from a company called XXXX XXXX advising that their on-line system had been hacked and my social security number had been accessed fraudulently by a third-party 0n XX/XX/XXXX. I forwarded copies of the letter to Bank of America and on XX/XX/XXXX filed a report with the XXXX XXXXXXXX XXXX. I had never done business with XXXX. 

I contacted Bank of America several times in the meantime, and gave them the name, phone number and e-mail address of the detective assigned to the case. They gave me an e-mail address where the detective could fax information on the investigation, and I gave that to the detective. 

In speaking with Bank of America, I learned that the transaction was a credit card balance transfer from XXXX XXXX to my BOA credit cards. I have never done business with XXXX, have no accounts or credit cards there, and I have never had any outstanding balance on any card over about {$1500.00}. This information can be verified through my credit reports from all three agencies. 

On XX/XX/XXXX BOA denied my claim and listed the {$25000.00} on the credit cards ( {$9000.00} on one, {$16000.00} on the other ) as being my responsibility to pay. Their letter stated, in part : " XXXX, unfortunately, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We confirmed that the charge on your card either covered an overdraft on your linked deposit account as part of your Balance Connect for overdraft protection or was a balance transfer that went directly into an account in your name. '' I was also advised I need to make payments on the accounts. 

So far as I know, I am not enrolled in " Balance Connect '' and the funds did not go into an account in my name. I have requested, but not received, the documents they used to make this decision. I attempted to find out information from XXXXXXXX XXXX XXXX as did the detective. However, they say that since I do not have an account with them, they can not provide any information. 

On XX/XX/XXXX I contacted BOA to continue to dispute the charges. I also faxed them a copy of the completed police report. They re-opened the investigation but are still holding me responsible for the charges and for making payments on the debt.
Product: Mortgage

I asked on the XXXX if I could pay on the XXXX and they would wave the late fee. They said yes. I tried all day on the XXXX to pay what I owe and I could not. The web site was down and customer service would not answer the phone. I just want to make my mortgage payment this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but TRANSUNION failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Product: Debt collection

On XX/XX/XXXX I sent a letter via mail using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Product: Debt collection

Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 U.S.C 1681 SECTION 602 A. Clearly states that I have a right to privacy.

15 U.S.C 6802 SECTION B : I was not given the opportunity to opt out of reporting my information to a third party.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures to ensure each statement is delivered to the consumer no later than 21 days before the payment due date. 

Remove these late payments and update to paid as agreed/on time immediately as you are in direct violation of several laws under the FCRA. 

I was not provided with the method of verification in a timely manner meaning this information was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took my cat to the XXXX  after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his XXXX. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

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

I have sent several investigations to Equifax regarding inaccurate information on my credit file which they have not corrected as of yet, according to the law 15 US code 1681ia. The listed items are inaccurate and I am requesting all of the information to be removed from my credit file XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.
Product: Debt collection

I had some medical issues so I had referral appointments to the XXXX XXXX I had XXXX at the time every other appointments I had where taken care off.. I didn't get calls or any mail saying I owed a bill of {$160.00} And it showed up on my credit as a collection, this bill was suppose to be covered by my insurance. I tried to reach out to the medical office couple times no answers. Now this is affecting me for qualifying for a lease. This is unfair.
Product: Credit card or prepaid card

At the beginning of XX/XX/2021, I applied for a Capital One Spark Business Credit Card. At the time of application, they did a hard pull to check my credit score. I received a letter 7 days later requesting primary documents that match the business name and street address on the application. 

I submitted the following forms : Articles and Certificate of Incorporation IRS letter assigning EIN Letter explaining the address discrepancy. ( Business address recently changed and not all forms have the same address ) Also, I would like to mention I do have an excellent credit score and there is absolutely no reason for me to be denied credit. 

Capital One is not granting my company the Spark Business Card due to the address discrepancy. Not all the primary forms have the same address. At the time of application, I received no disclosure detailing what forms needed to be submitted, nor did I receive notice that all primary forms need to have the same address on them. 

A disclosure of what forms are needed to open a Capital One Spark Business Credit Card should have been provided to me before the application and they did a hard pull on my credit score, damaging my credit. Without this disclosure, I was unable to make an informed decision. This is not a good lending practice. In the interest of consumer protection, please have Capital One fix this unfair lending practice.
Product: Debt collection

LTD Financial services has never notified me of any debt collection nor did they notify me of their intention to pull my credit bureau 30 times in less than a calendar year driving my score down. This is an abuse of financial power and should be punishable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Trans Union requesting inquiries and accounts that are unknown and I'm unaware of on my consumer credit report. I didn't authorize anyone other than the companies that I explained to Trans Union to submit or obtain a consumer credit report on me. They responded with the accounts listed were not on my credit report, but my credit karma account shows different. I have attached a copy of my original dispute letter and also the letter sent to me from XXXX XXXX on the update of my dispute saying that these inquiries not these account 's are being listed on my consumer credit report, but after checking all sources that I can even my XXXX XXXX  Score Checker these account 's are still being listed on my consumer credit report. I have also tried to view my credit report online thru the Trans Union portal but their isn't any information on the report when I try to view it. This is very upsetting that this company is lying and being deceptive in it's practices. They aren't investigating any disputes only sending out letter 's and not sending me no updated credit report to see exactly what is being listed in their database on my consumer credit report. If the information in my consumer credit report in inaccurate it must be removed -15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( D ) Submitting a notice of dispute A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute ; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute. 
( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Checking or savings account

On XX/XX/2024 Huntington Bank ( XXXX ) locked my online access due to suspected fraud and is refusing to validate my identity, and unlock this access, without me physically going to a branch. I will not be closer than XXXX miles to a branch in the next XXXX  days. Huntington should be able to use tools to validate my identity with out of wallet questions XXXX XXXX names from childhood, total amount of a car payment etc ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX refuses to correct my credit file and continues to report false information despite multiple disputes. This is now my multiple disputes regarding the fraudulent XXXX  ( XXXX ) account, and XXXX is the ONLY credit bureau reporting it. XXXX and Experian never reported this account. This raises a serious question : Why is XXXX reporting an account that the other bureaus dont have? Does XXXX operate under a different set of rules? Are they fabricating their own version of my credit report? Or are they simply ignoring the Fair Credit Reporting Act ( FCRA ) and hoping Ill just give up? I have NEVER AUTHORIZED this account to be reported, nor have I ever had any relationship with this creditor. Under 15 USC 1681b ( f ), XXXX has no permissible purpose to continue reporting this account. Yet, despite multiple disputes, they refuse to correct their mistake. This is not a simple oversightthis is willful noncompliance. XXXX is knowingly reporting inaccurate information in violation of 15 USC 1681i, which requires them to conduct a reasonable reinvestigation. The fact that they have ignored my previous disputes proves that they are acting in bad faith. At this point, XXXX actions are not just negligent ; they are intentional violations of federal law. Under 15 USC 1681n and 1681o, they are fully liable for statutory damages, actual damages, and punitive damages. Their continued refusal to comply makes them subject to penalties of at least {$1000.00} per violationand after XXXX disputes, those violations are stacking up. So I ask againwhy is XXXX reporting an account that NO OTHER BUREAU is reporting? If this account was valid, wouldn't it be reflected across all three credit bureaus? Or does XXXX believe they are above federal law? Because right now, it certainly looks that way. Their refusal to remove this account is harming my credit and financial standing, and I will not tolerate it any longer.
Product: Debt collection

Resurgent/LVNV Funding didn't impersonate what you have on your website. They impersonated my doctor. They took over several debts I couldn't pay anymore because my mom died. And then Covid 19 made my finances worse. I told them, but they wouldn't listen. I started to block all their calls, but they still make them even after I told them to stop and by not answering. The worst part is pretending to be my doctor. And also pretending to be XXXX. I told them over the phone what they were doing over the phone to stop calling me and not to pretend to be my doctor because that's fraudulent. They bought several of my credit debts from original creditors and keep applying them to the credit bureaus. Here are the phone numbers they used when pretending to be my doctor. XXXX and XXXX. And this one from XXXX claiming I ordered something. XXXX