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

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX. XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I have been getting constant calls. 

within the 30 day window I have requested proof of dept XXXX. **Verification of the Debt** : Documentation that validates the amount owed and that I am the debtor. 
XXXX. **Details of the XXXX XXXX : The name and address of the original creditor, and the original account number. 
XXXX. **Proof of Your Authorization** : Evidence that they are authorized to collect this debt in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts and Equifax says that they dont have a credit file for me. I have my XXXX and XXXX but Equifax says they dont have and credit file for me. Ive tried calling numerous of times. Ive mailed in documents to verify my identity and still cant get any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, since I am not able to get my credit report with them.

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX  and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, Citibank ( 2 accounts ), XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX  one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX  they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX  Buisness department??.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act EXETER FINANCE LLC Account number : XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATE I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 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.

15 USC 1681 SECTION 602 AI STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

They promised that my credit score will rise after mailing my inquiries to all the companies they to me to mail..my credit score is still the same score.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, LOAN WAS PAID BACK BY GRANTOR, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
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 Equifax 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Checking or savings account

USAA Bank provided a letter dated XX/XX/2021 informing me that all checking and savings accounts that my spouse and I have held for over a decade were being unilaterally terminated by XX/XX/XXXX. No reason was provided. The closure timing was inconvenient as I was expecting some late IRS tax refunds to be deposited into that account. I also have funds tied up in a XXXX brokerage account that can not allow you to withdrawal more than a small sum of money to a new bank account ( since USAA closed my account ). This is denying me liquidity to pay my holiday and year-end expenses, About {$18000.00} is be tied up due to these related issues.
Product: Debt collection

I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.
Product: Debt collection

We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.
Product: Credit reporting or other personal consumer reports

I had my phone stolen with a lot of my information in it on XX/XX/XXXX and the thiefs tried stealing money from all of my accounts and also opened two credit card accounts under PayPal with my name, they also tried to open a credit card with XXXX but I had already frozen my credit. I called PayPal they removed the credit cards but they inquires are still showing on my report can I get these removed please
Product: Mortgage

our home loan was bought out by Loancare, a servicelink company division of XXXX. A few months after, they asked us to do a government refinanace to save money. It was happening all over the country for this type of loan, so we did. At closing, notary said, '' by the way, you will get $ XXXX in escrow reimbursed. '' We soon got a check from loancare for $ XXXX and another for $ XXXX. We saved the checks for almost a month until we could check to make sure we did n't have to put them in escrow for new loan. I called loancare to ask. She said " no, you may spend them on whatever you like or double your payments. '' We deposited the checks 20 days after we received them. I doubled up on payments of my bills. Then when I checked my bank acct., the check had a stop payment and I was charged a return item fee. Called loancare and they said " we called and left a message for you on XXXX/XXXX/17 not to spend that money as it was a mistake. '' no message, email, nothing. ( This was on XXXX by the way ) the check was issued to us on XXXX, deposited on XXXX and taken out of my bank on XXXX. After speaking to XXXX people telling me it looked like we should have the money in the acct. Finally, " a supervisor '' very quickly found the so called mistake. A customer made an escrow payment and " accidentally '' put my loan number on the check. XXXX When they found the mistake, they stopped payment. They would be glad to pay my overdrafts, but not return the XXXX I had spent, as I was told to do. I threatened suit and they told me I had that right and to go ahead but they would not return the money I was promised, recieved, told to spend and then stripped of from my bank acct. These people are liars and crooks.We never received a note, call or anything regarding this problem. XXXX representative said, " you need to call your first loan servicer! '' I said, " That would be YOU! '' She did n't even know I was a customer of theirs. I told them there was a series of mistakes on their part and none on ours, that we called before we even deposited to make sure we did n't have to put on new loan, not to ask if the money was ours, because we were TOLD we would be getting that money. " XXXX '' the supervisor then asked how I would feel if i had made a mistake and written my wrong loan number and someone else got it. I told her I did n't believe that 's what happened and do n't even try to appeal to my morals as I had done nothing wrong. But that I had overpaid my credit cards and now it would be taken from my job paycheck and I would n't have enough to live on.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company acted without my permission.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX and 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 XXXX5 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 XXXX 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 or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. 

I have contacted the bank regarding this late payment, and they have approved updating the following accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Credit reporting or other personal consumer reports

I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, I did not give you ( Experian ) permission to furnish this information onto my Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my Privacy rights.
Product: Credit card or prepaid card

I purchased a secured Credit Card with U.S. Bank called Altitude GO. I have made all my payments on time and still have credit left on my card which they have blocked for no reason and are not allowing me to access my remaining credit which is my money. Please note, U.S. Bank is not extending credit to me. I am basically paying interest on my own money so I could use this higher limit card to help improve my credit score. I put {$5000.00} on the card so in effect U.S. Bank is taking my money that I still have on my card by not allowing me access to it and I have not received a check for my money that is still on the card. I haven't received any letter that they are going to pay me what they owe me, only that they are going to close the account for no known reason. I believe they are doing this to profit illegally off of the consumer. Since I put {$5000.00} of my money on the secured card and there is about 10 % of room left on the card I am presuming that because I'm a retired senior, they are thinking that I won't take the time or be bothered to try and collect the remaining {$500.00} of my money. This isn't the biggest issue, however, because if they refuse to return my remaining funds, I can proceed to collect my money in small claims. The biggest issue is that they have begun to ruin my credit score which has already been damaged by the locking and closure of this card. I noticed that The Bureau previously found that U.S. Bank violated the Fair Credit Reporting Act and that the banks conduct likely caused substantial injury in the form of fees as well as negative effects on consumer-credit profiles. I also read that U.S. Bank was ordered to stop its unlawful practices and to compensate consumers harmed by it's actions. I would like to remind the Bureau that this bank is continuing to harm consumers, including senior citizens like myself who have done nothing wrong nor committed any fraud. They have ruined my credit score which was increasing before they locked and closed my card as well as 4 other accounts I had in good standing including a {$50000.00} CD account of which I currently have another complaint on file. The Bureau should really take a close look at how this bank abuses it's customers, their funds, and their credit. I am just grateful that the majority of my inheritance, which is a large amount of real estate equity, will be invested with my new bank which has been absolutely great, considerate and professional to deal with. It's a shame that U.S. Bank can't conduct itself with the same integrity. Especially when part of their name which symbolizes our country being the United States, while ironically the bank completely ignores upholding the U.S. Constitution by treating it's customers unethically and unlawfully.
Product: Credit reporting or other personal consumer reports

Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. 

( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who 2 was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

Account 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 want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. I have already contacted the companies directly, followed the necessary steps, and filed an identity theft report with the FTC. 

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

Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

Amex Account number : XXXX Date openedXXXX XXXX, XXXX Past due amount {$1000.00} XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} XXXXXXXX XXXX Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account XXXX
Product: Debt collection

I financed a car from a company called auto trak and i was making payments and then had got my own place and start my job got slow and i couldnt keep up with the payments and my apartment and so i had to give up my car unfortunately and where i was staying was high in rent and i got so behind i couldnt catch up and had to give up my place as well and the car was a XXXX XXXX XXXX which i purchased last year in XX/XX/XXXX and that car is not worth XXXX and im asking can i get a settlement and i just want to be flexible on repayments for them but i feel unease by a collections letter and i need help im just trying to get back on my feet im currently staying with a relative.
Product: Credit reporting or other personal consumer reports

Hi I recently reviewed my credit report and these unauthorized inquires were on it and this is affecting my ability my ability to buy an home.These are the ones that follow... 

XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

I ask American Honda Financial Services, to remove the negative remarks off my report which I still can see, they tried to hide it but its still on there. They also marked it as a charge off, it should be deleted and I was never sent or notified about 1099 cancellation of debt form. They violated with that 15 USC 15801 is a certification of indebtment, its income and must be removed. 15 US code 1631, Disclosure requirements HJR-192 Obligations of United States . Violated my constitution rights and committed Fraud. 18 USC 514 Factitious, Obligator. UCC3-402 My social Security UCC3-402 Signature by Representative. Declaration of Deprivation of Rights under the 14th amendment
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX/Experian in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.