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

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My ChexSystems report contains multiple unauthorized inquiries that I did not initiate or authorize. These inquiries were made without my knowledge and are the result of fraudulent use of my personal information. 

I am requesting that ChexSystems remove the following unauthorized inquiries in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have previously submitted the following supporting documents : FTC Identity Theft Report Copy of my government-issued photo ID Proof of current address These inquiries were not authorized and are contributing to financial harm. I am asking that ChexSystems be directed to delete these unauthorized inquiries and send me written confirmation of their removal. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX I submitted both identity theft and a list of false debt to the credit bureaus with a copy of my social security number and ID with proof of address. On XX/XX/XXXX, an intent to sue was sent via certified mail to the bureaus. I will send one last letter before proceeding forward. 

The amounts are {$4100.00} with XXXX XXXXXXXX, {$4900.00} with Wells Fargo, and {$180.00} with 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  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im announcing that I will be filing federal lawsuit against first XXXXXXXX XXXX and XXXX XXXX XXXX.You are violating my federal consumer rights.You are violating Title 15 USC 1692gIm creating a paper trial for my federal lawsuit.Which I will be filling aganist XXXX XXXX XXXX.I will also file complaints with financial agency which licensed them to be a bank I asked for the original credit card agreement with terms and conditionsIm asking for statement history for the history of the account.I want all the statements for the history of the account.Since they dont want release it.I will file a lawsuit ask for legal discovery get a subpoena.Then subpoena documents and names of people.Who are handling the disputes to court.I will also subpoena the CEO of XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .So they can hear the caseXXXX XXXX and XXXX XXXX XXXX to courtSo they can hear the cardsIm not joking Im going to get what I want and needYou cant do what you want to people
Product: Checking or savings account

XX/XX/2024 XXXX Affairs deposited my XXXX into my account, {$4500.00} the following days money lion took over {$1400.00} From a cash advance that wasnt scheduled till the end of the month, and another XXXX $ in pending transactions were allowed to withdraw out of my account. On Monday, the first I contacted them spoke with a representative and opened a complaint in dispute, then gets continued to come out of my account. I reached out to them again, this time, repeating the actions and no resolution. 
I have contacted them multiple times, to try to resolve this, with no resolution I am XXXX XXXX XXXX veteran. I only have this amount of money to live on for the entire month. I have XXXX kids that I have to provide food for including myself, there is no money left in my account. They told me I could take up to XXXX  days. Thank you for your time as somebody with cognitive processing issues it is very XXXX  continually getting routed to low level intake, personnel that have no power to assist the customer. This is causing extreme XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} XX/XX/2020, {$1400.00} and XX/XX/2020, {$1400.00} I Transfered the stated amount in four different occasions via XXXX. when I discovered its a fraud, I called my bank to retrieve my money from the recipients but they told me that because the money has posted that they can not retrieve it and that I should call the recipients to send the money back to me which I did but the recipients refused and did not want to answer my calls till date.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

i keep getting denied but i have used affirm before and they arehnt able to explain why I can use it one week but the next I cant use the services
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes my name is XXXX XXXX I submitted an FTC report to Equifax about the fraudulent accounts name XXXX XXXX. They investigated the accounts and it was removed XX/XX/2021 and name the account reappear back on my credit report XX/XX/2021 I am a victim of identity theft and I want to report Equifax for allowing this account to reappear after I provided them proof with a FTC report that the account Security finance is not mines and that its fraudulent something need to be done or I am gone get me a lawyer
Product: Vehicle loan or lease

The vehicle broke 2hrs after signing for the loan. I was outed the down payment as well as insurance fees. I was financed a warranty I was told came with the car. I was not asked if I wanted the warranty. Car was bought at XXXX XXXX  miles warranty only covered expenses under XXXX miles. The loan company promised a working vehicle. Credit acceptance and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit bureau due to significant errors on my credit report that have caused serious harm, including the denial of an apartment application and a job opportunity. These errors are a direct result of the credit bureau 's negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

As a result, I am seeking {$10000.00} in damages for the financial and emotional harm caused by these violations. 

My credit report contains multiple inaccuracies, which I have disputed with the credit bureau on several occasions. Despite providing supporting documentation, the credit bureau has failed to correct these errors. 

In line with the CFPBs recent lawsuit against the credit bureau, my experience reflects their pattern of conducting sham investigations into consumer disputes. The credit bureau failed to properly investigate or resolve my complaints, violating their obligations under federal law. 

The credit bureau failed to reinvestigate my disputes within the FCRA-mandated timeframe. Additionally, deleted information has been improperly reinserted into my credit file without notice, further damaging my credit profile. 
My application for an XXXX XXXX XXXX based on my credit report, leaving me without secure housing. 

A potential XXXX XXXX XXXX XXXX, as they relied on my inaccurate credit report during the hiring process. 
These XXXX XXXX XXXX XXXX, financial instability, and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my name social is XXXX and my date of birth XX/XX/1979. I have not recieved any update per my recent disputes to XXXX   and Equifax. I have been waiting beyond 30 days with no repsonse. I am requesting all of the erroneus, obsoletm and inaccurate items on my credit reports with both XXXX and Equifax be deleted immediately
Product: Credit card

Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I noticed that my report is reflecting late payments on two accounts. These items are because one account is paid in full and the other account is in good standing.

Chase : # XXXX Chase Auto : # XXXX  I am requesting that the item be deleted to correct the information. Enclosed are copies of payment records supporting my position. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. I thank you for your consideration and cooperation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an error on my credit report with TransUnion. A charge-off account has been inaccurately reported by TransUnion and XXXX, but it was not reported to XXXX, despite the account being paid off in full. 



The account shows as a charge-off on TransUnion and XXXX, but it does not show this status on XXXX, causing a significant discrepancy. I have provided the necessary documentation to the creditor showing the debt has been fully settled, but TransUnion has failed to properly update the charge-off status on my credit report. 



Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to report accurate and consistent information to XXXX  credit bureaus. I am requesting your assistance in investigating this issue with TransUnion to ensure that my XXXX report reflects the accurate charge-off status, as reported by TransUnion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter to Experian to correct inaccurate payment statuses they are reporting inaccurately. ( Ive included a copy ) I received a response on XX/XX/2022 from them stating that they were updating the accounts ( Ive included a copy ) I received a credit report on XXXX and the accounts are still reporting inaccurately. ( Included a copy of both accounts )
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX Department XXXX XXXX XXXX opting out of credit reporting. XXXX Department XXXX XXXX XXXX has yet to respond to my demand
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent item on my credit file and the name of the creditor is XXXX XXXX XXXX XXXX and its has a grand total of XXXX and I discover the fraud on XX/XX/2020 and Im sending a police report and FTC to Equifax and this account is not mines and fraud ... and I already have a open dispute with Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account that Equifax is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Equifax last month informing them of this, but my request fell on deaf ears. I do not believe that Equifax started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Equifax reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Equifax. Please see the attached documents and remove the account from my credit report.
Product: Mortgage

My mortgage provider changed from XXXX XXXX   XXXX to Select Portfolio Servicing inc. in XX/XX/XXXX. Since then SPS has sent me a letter every month fraudulently rasing the interest rate over and over again ( 30 letters as of XX/XX/XXXX ). Every letter is the same ( see attached ) and it states : begin quote : INTEREST RATE : We calculated your interest rate by taking a published " index rate : and adding a certain number of percentage points, called the " margin ''. Under your loan agreement, your index rate is 2.33167 % and your margin is 3.10000 %. Your index is 1 YEAR TREASURY CONSTANT MATURITY AVERAGE RATE and is published MONTHLY BY THE FEDERAL RESERVE BOARD. 
end quote : My interest rate never increased with XXXX XXXX ( 3.51 % XX/XX/XXXX ) but ever since SPS took over they've been fraudulently raising the interest rate over and over every month ( 5.43 % XX/XX/XXXX ) and above what it's supposed to be at the current ARM rate. This company is taking advantage of me and fraudulently over charging me. SPS will not stop fraudulently raising my interest rate every month and will keep doing it to take advantage of me. My ARM rate needs to be corrected and adjusted to correctly reflect the current ARM rate. 

SPS fraudulently increased my mortgage payment from {$1300.00} to {$1400.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1400.00} to {$1500.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1500.00} to {$1600.00} on XX/XX/XXXX. In a matter of 3 years my mortgage payment has increased {$240.00}. My interest rate is not being correctly adjusted and this needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account is in error which is reporting 30 days late for XXXX XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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: Debt collection

A Care Credit account was opened in my name for XXXX XXXX  which was refunded. The care credit account was closed and zeroed out. Now they are trying to collect {$800.00} dollars in interest on a refunded closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send me my credit report after I had an identity theft issue. I have requested a copy of my report multiple times over the last 6 months and Equifax has never responded.