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

Dear XXXXTransUnionXXXX, I am writing to formally demand the immediate removal of unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I explicitly authorized should be included in my credit file. 

I have identified the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent and are negatively affecting my credit profile. As such, they constitute a violation of the FCRA. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

I am requesting the following actions : 1. Provide verifiable evidence of my authorization for each of these inquiries, including signed documentation or proof of digital consent. 
2. Remove all unauthorized inquiries from my credit report immediately. 

Failure to resolve this issue promptly will leave me no choice but to escalate further by : Filing additional complaints with my states Attorney General. 
Pursuing legal action for damages resulting from these unauthorized inquiries. 

I expect a response and resolution to this matter within 7 days of this email. Please confirm in writing when the unauthorized inquiries have been removed or provide evidence supporting their validity. 

Attached to this email, you will find : A copy of my government-issued ID. 
Proof of address. 
A copy of my credit report with the disputed inquiries highlighted. 

Thank you for your prompt attention to this matter. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$53000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Late/closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several complaints to XXXX  and Equifax about fraudulent accounts and Inquiries on my credit report. I am not using credit repair company to help me in any way. I am disputing these fraudulent accounts and inquiries on my own. I am in jeopardy of using my top secret clearance and my job for this. I am responsible for taking care a family of 7. Please Reinvestigate this complaint. XXXX  and Equifax has XXXX XXXX and XXXX for XXXX. FRAUDULENT Inquiries from XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX  and Equifax XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX -bal {$800.00}, XXXX - bal {$1600.00} XXXX - bal {$1200.00} XXXX - bal - {$0.00}
Product: Debt collection

XXXX is on my credit report as well as SPring oaks capital for the XXXX account was paid off. I would like it removed from my credit report all together
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal TradeCommission. Cc State Regulatory Agency
Product: Checking or savings account

XX/XX/year> deposit a settlement check into my checking account. Capital One stated {$750.00} will be available XX/XX/year> ; {$750.00} will be available on XX/XX/year> ; remaining balance will be available on XXXX. I received an email confirming the deposit and funds available dates. I get another email stating they feel my check will be returned therefore the entire check will be held until XX/XX/year>. If I need assistance or request a refund of the deposit call the number listed. I called and my account balance is stating XXXX less, because they deducted the over draft balance from the check. I cant get none of my check but the bank took funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by TransUnion LLC XXXX This has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.
Product: Debt collection

sent many letters and filed many disputes, for contract and any proof i owe them anything, failed to provide any info or contract between me and or contract with original debtor with detailed contract info and any payments made. shows balance owed on credit report, as which i owe them nothing and FCRA violations.
Product: Debt collection

I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates. 
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX. 
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?
Product: Debt collection

I recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN XXXX REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXX XXXX, 2024, I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Transunion, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report.

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe.

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

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

In XX/XX/2018 I disputed an inaccurate Public record with EQUIFAX the account which is US Bankruptcy Court.  EQUIFAX investigated and it came back verified. In XX/XX/XXXX I sent in a certified letter to EQUIFAX for a Method OF Verification. This is my right to see and look over and see who verified the Public Record with the credit bureau and the court. I am hereby exercising my rights under the FCRA 611 ( a ) ( 7 ). To request a complete description of all methods used to investigate my aforementioned dispute. I have enclosed a copy of the letter that was sent to EQUIFAX via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 EQUIFAX received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that EQUIFAX completed their investigation with the Public Record US Bankruptcy. They failed to send me what I requested how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification. EQUIFAX have violated my rights and need to remove the Public Record from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right ; they failed to send the proof that I am entitled to ... delete the public record from my file. I have all rights to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. EQUIFAX violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Equifax received the certified METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are now asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I have enclosed copies of my recent updated Credit report from Equifax dated XX/XX/2018 which shows they have completed the dispute on the US Bankruptcy. Equifax delete the inaccurate information my next step is filing a suit for the willful non-compliance. EQUIFAX WAS GIVEN TIME TO SEND MY METHOD OF VERFICATION AND REFUSED TO SEND,,, AGAINST THE LAW AND VIOLATION OF THE FCRA,
Product: Credit reporting or other personal consumer reports

Someone used my credit without my permission.now I have inquiries that I didn't authorize on my credit.
Product: Debt collection

On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Synchrony Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Synchrony Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Synchrony Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Synchrony Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Synchrony Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Synchrony Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Synchrony Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Synchrony Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
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. 

XXXX XXXX XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Checking or savings account

On XX/XX/2020 CHIME closed my checking account for no reason. My account had XXXX in it that I can not access and I can't get back. Where I was supposed to sign in there was a notice for me to contact customer service for further information. Time does not have anyone who answers their XXXX number all they have is an email where you can contact support I went back and forth with support for 3 months sending in about 40 different forms of verification of my identity and eventually I was sent a check beginning of XXXX the checks dated for XX/XX/XXXX. I went to XXXXhree different places and then the bank where the check says it was issued from all three places told me to contact the issuer and the bank said that the check had never even been issued it all is that it was invalid it wasn't popping up in the computers they couldn't find it. So I contacted time again now they're telling me do I have to give them another email address the one I'm using is on fire live use the same email address for the entire conversation with them all the way back in XXXX I don't even use another email address and they're just trying not to give me my money I have pictures of the check in the entire conversation
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, requesting the removal of fraudulent inquirie from reporting to my credit. I'm suffering from punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
Product: Credit card

Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.
Product: Credit reporting or other personal consumer reports

Account from XXXX XXXX had been added to my credit report that should not be on my credit, I never had a lease for a vehicle with them or for any vehicle. I have owned every vehicle I ever had in my possession.
Product: Credit reporting

I have never requested a fraud alert and made several attempts in attempting to get the fraud alert removed. I wrote one credit bureau about a balance discrepancy and the next thing I knew I got a letter that one credit bureau would take it upon them selves and notify the other XXXX national credit bureaus about a fraud alert to be placed on my credit reports I then wrote in with all my personal information and the only response I can get is the fraud alert has been extended. I did not request any fraud alert and now I have been discriminated against over an active credit card account with no card because the card is worn out.My privacy rights were violated and discriminated against when I was denied a new card over a fraud alert that I never requested. If someone thought that I had requested a fraud alert then the credit bureau should have contacted me in writing the consumer to confirm that I had requested a fraud alert, next how do they get a fraud alert out of a balance discrepancy, and last nobody got my permission about placing any fraud alert on my credit reports. My privacy has been invaded and I do n't know what to do to be compensated but I again contacted the bank that wont give me a new card and they still claim that the fraud alert has to be removed from file before the card can be issued so also that is called discrimination. what is the verification process for if they are going to deny me over a fraud alert.