23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX-XXXX  -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, LA XXXX ( XXXX ) XXXX-XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  - XXXX XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX, XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Product: Mortgage

XXXX XXXX XXXX reached out to XXXX and XXXX XXXX regarding a refinance and lower IR. They paid them {$3700.00}. Five payments of {$750.00}. The military said it sounded like it was fishy and it sounds like a scam. The company does not have good reviews and others have said it was a scam. They have been working with a financial advisor through the military. They are looking further into it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acoounts before I seek litigation for defamation of character ). 
XXXX XXXXXXXX XXXX  bal. {$470.00}, The XXXX XXXX XXXX bal. {$340.00}, XXXX XXXX XXXXXXXX XXXX bal. {$1700.00}, XXXX XXXX XXXX bal. {$690.00}, XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a Payment to   XXXX   XXXX   a old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit from 3rd party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned. They (   XXXX   XXXX   ) could NOT find or verify my account using the information found in my credit profile.     This me ans two thin gs : : : They do n't have me as   a credit collections client and therefore it should be remove according to FCRA law [ 623 ( a ) ( b ) ]. Or ....
Whatever is reporting is reporting so erroneously the data does n't line up and is so corrupted that it again according to FRCA law [ 623 ( a ) ( b ) ] should also be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again. Every XXXX months my credit file is incorrect, wrong, and screwed-up. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. XXXX XXXX XXXX XXXX, Georgia XXXX ISN'T my ADDRESS. They keep putting XXXX XXXX. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX. PLEASE HELP ME REMOVE XXXX XXXX. OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?
Product: Debt collection

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( XXXX ) ( A ). In addition to the Violation above pursuant 15 USC 1681ia ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Credit Control LLC The above Account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The details of the accounts are inaccurate they are not exact in details and amounts. 
( XXXX ) Notice of results of reinvestigation ( A ) In general The erroneous status of your credit reporting records and methods is/are unacceptable and is causing me hardship. 
Pursuant to XXXX XXXX, XXXX XXXX of the United States XXXX, I formally request the following documentary evidence pertaining to this account : XXXX. A copy of the original credit application showing the terms of the agreement. XXXX. Original documentation used to compile a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. XXXX. 
Copies of all original documents and financial instruments that have been used by your company that has authorized you to post the disputed late payments to my credit file with the named credit bureaus above in concern. XXXX. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. XXXX. Copies of all documents sent to me regarding this account.
Product: Debt collection

I recieved a variety of bills via mail from both XXXX XXXX XXXX ( {$5200.00} ) and XXXX ( {$120.00} ) in early XXXX for lines that were opened under my name without my permission or knowledge. I immediately filed fraud reports with XXXX XXXX XXXX and XXXX, a police report ( NYPD ), credit bureau alerts, and an FTC identity theft report. 

No one from XXXX XXXX XXXX or XXXX responded to my online fraud submissions- even though both confirmation emails said they would be in touch within ( 5 ) business days. I was unable to reach anyone who could assist via phone at either company after multiple attempts. I was always directed to a line that was automated and sent me to the website to submit a report. 

I then started to recieve collections notices - XXXX XXXX XXXX XXXX via XXXX XXXX ( XX/XX/22 ) and XXXX via Convergant ( XX/XX/22 ). These owed amounts should have never been sent to collections as they were fraudulent, and I reported them so. Negligence by the telecom companies to acknowledge my written documentation of fraudulent activity and to pass it off to collections agency. 

Convergant ( XXXX fraud charges collection agency ) never acknowledged my confirmation that the charges were fraudulent ( XX/XX/22 ). My XXXXredit score took a major hit ( over 100 points ), bringing it from near perfect to " fair ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the master servicer or default servicer they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because shadow companies XXXX XXXX, aka XXXX XXXX servicing akXXXX XXXX XXXX  is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight.
Product: Mortgage

We had to refinance completely because loan was XXXX hight in rate
Product: Credit reporting

Credit report has been shared with car loan company by the name of XXXX which I never applied for this has to be a mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion continues to violate the bankruptcy discharge that we received on XX/XX/XXXX. 

The XXXX XXXX case was filed on XX/XX/XXXX and discharged on XX/XX/XXXX. Moneylion received notice from the court, as well as me. I responded to Moneylions debt collection emails on XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally today, XX/XX/XXXX, all reminding them of the bankruptcy and provided discharge documents. Moneylion has instead chose to wrongfully and injuriously report further delinquency to my credit report.

Credit disputes continue to receive incorrect information from Moneylion, despite providing the court documentation.
Product: Credit card or prepaid card

I opened two disputes with Citi Bank. 

Dispute XXXX for the amount of {$670.00} was opened earlier this year and closed in XXXX. I was sent a letter and issued permanent credit. Then yesterday while checking my account balance I see a letter sent to me ( by regular mail, no email notification which I'm signed up for ), indicating Citi decided to re-open the dispute and rebill me for it. Just because they wanted. Even though the dispute had been previously closed. In the letter provided, at the end it states if I have any questions to call XXXX XXXX at XXXX and when I called, there was a pre-recorded message by her stating she won't be checking her messages. 

Dispute XXXX for the amount of {$230.00} was closed in XX/XX/XXXX, permanent credit was given and a letter was sent to me. Then on XX/XX/2020 Citi again decided to re-open the dispute after their investigation period had passed and after I was told I was right and the dispute had been closed. 

I've always had great experiences with Citi Bank and my XXXX card is my everyday card. I swear by that card and when I travel I feel safe when I have it with me. All this to say that the way in which Citi is handling this is not reflective of the great customer service and customer advocacy I'm used to. I sincerely expect Citi bank can correct this wrong.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$790.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and informed them of the violations they were committing against my consumer report. 

It has now been over 30 days since those disputes were submitted, and I have not received any response. I am attaching copies of all letters that were sent for your reference. 

I request immediate action to address this issue and ensure that the inaccurate information is corrected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXXXXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX I a consumer received a False and misleading, deceptive form pursuant to 15 USC 1692j ( a ) ; and a Billing error on a Bill statement from Capital One. On XX/XX/XXXX I sent capital one a 3 page Debt Validation Letter letting them know that the alleged amount of {$59.00} was disputed and requesting the name and address of the Original Creditor for the account and told them they had to stop all collection efforts pursuant to 15 USC 1692g ( b ) until the account is verified ; and I Sent a ( 3 ) Page Debt Collector Disclosure statement ; and a ( 1 ) Page Cease and desist Letter invoking my specified remedies pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) invoked are what I put in the Fair resolution of this complaint which was for Capital One to 1 ) XXXX out the account, 2 ) Compensate me for FDCPA violations, 3 ) A permanent credit of {$50000.00} each and every month credited on to my card that I can spend with no daily limit, 3 ) No card account or services interruptions ; 4 ) and that Capital one only reports positively to the credit bureaus ; and I also sent a ( 3 ) Page affidavit of truth letting Capital one know that they were In violation of The following of the FDCPA 15 USC 1692 : 1692b ( 2 ) ; 1692b ( 5 ) ; 1692j ( a ) ; 1692e ( 11 ) ; and I sent Capital One an invoice for the violations along with Exhibit A ; I sent all of the attached documents to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX account numbers XXXX AND XXXX 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 or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent inquiries origination and identity theft. This fraudulent inquiries should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this inquiries that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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