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

I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX PULLED 8 SPY INQUIRES FROM MY EXPERIAN. SEE ATTACHED. REMOVE ALL INQUIRIES OR BE SUED IN CLASS ACTON LITIGATION.
Product: Credit reporting or other personal consumer reports

I was affected by a data breach that happened and I would like for my credit report to be cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Credit reporting or other personal consumer reports

Dates not accurate unfortunately, but latest request was on XXXX XX/XX/XXXX asking EXPERIAN to for third time to remove 2 credit cards for XXXX XXXX ending in XXXX and XXXX along with XXXX checking account ending in XXXX which they want me to reconnect BUT have been cancelled in XXXX and replaced by new accounts which are active. Also have been attempting to have EXPERIAN to add my personal checking account with XXXX XXXX XXXX XXXX XXXX  to XXXX scoring as I pay all my utility bills by check or auto payment from bank - which they say does not exist as I DO NOT USE A CREDIT CARD.by that bank. This should NOT lower my scoring as I have never missed any payments. What they are trying to make me do IS open another form of credit thru them ( XXXX XXXX which is debit ) but i refuse- one credit card is enough. This is another tax scam as they list their Headquarters as being in XXXX, XXXX but contact address is in XXXX, Texas. 
I believe my XXXX score should be higher if they add my missing checking account.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Mortgage

Since Bank of America caused to be recorded the XXXX XXXX, 2016 Notice of Default ( NOD ) and Election to Sell with California Declaration and a separate Substitution of Trustee I have had to fend off all manner of folks coming to my home, sending a multitude of unsolicited junk mail, and telephone solicitation contact all related to the bankruptcy, foreclosure and real estate industries. I have has to take steps to prevent these people including, but not limited to, Bank of America representatives, from harassing me, trespassing upon my property, invading my home and life. I have even had mail addressed to persons affiliated with the banking and real estate industries with my home address and their name to portray and seem as if they actually reside in my home as early XXXX 2016. It does n't seem to matter one bit to these folks that the NOD was executed in error.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2000.00} Open Date : XX/XX/2024 This CFPB complaint has been submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block the information appearing on my consumer credit report that resulted from XXXX XXXX and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a collection account opened by XXXX XXXX XXXX on XXXX XXXX, 2024 under the account number XXXX. 

I have enclosed a copy of the consumer XXXX  credit report maintained by you, highlighting the fraudulent item. I do not recognize the account as reported. This account, appearing on my consumer credit report maintained by you, was neither opened, made, nor initiated by me. It is the result of XXXX XXXX XXXXnd fraud. 

Additionally, I have included a copy of FTC XXXX XXXX XXXX Complaint XXXX  ( XXXX ) as evidence from the US Federal Trade Commission that the aforementioned consumer credit account is the result of XXXX XXXX and fraud.
Product: Vehicle loan or lease

Hyundai adjusted wear and tear amount to lower value, which we paid and resolved. It was then reported as a late payment and lowered our credit score. Hyundai is refusing to fix it.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found an error that must be corrected. In accordance with the XXXX XXXX XXXX, an unpaid charge off qualifies as income and according to FCRA, income can not be reported on a credit report. I'm requesting a XXXX ( cancellation of debt ) from the following charged off account : XXXX I have provided documentation to confirm that this account has been sold to different entitie for collection. XXXX has sold this account to XXXX XXXX, which is a third party, and therefore can not be reported as a chargeoff on my credit report. Please send the requested XXXX form.
Product: Debt collection

Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting my name as my maiden name even though I was married XXXX   years ago. I submitted a dispute including a Marriage Certificate, CA Driver 's License and Social Security card, all with my married name, and sent them a dispute by mail asking that they accurately report my name. When their reply came back, it was addressed to my maiden name. They continue to use this name even though it is NOT my name. 

I've already been denied credit because of their inaccurate reporting. I informed them of this and even included the credit denial in the dispute letter I sent. That denial is still on my credit report. 

This is the SECOND TIME I've sent this information to Trans Union. In 2016 I sent my driver 's license, social security card and a utility bill to prove that my maiden name was no longer valid. And they did nothing. 

Trans Union is flagrantly violating the law and their inaccurate reporting is, and has, ruined my chances for credit and caused me severe and grievous harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$350.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I received a Best Buy XXXX card in the mail at the end of XXXX. I have a store Best Buy card which I use but never applied for the XXXX. I called Best Buy on XXXX XXXX, 2024 and asked why I received something I didn't apply for. XXXX stated XXXX were sent letters stating they would receive a XXXX card if they did not OPT OUT. I don't remember receiving that correspondence. I think it is a deceitful way of opening a credit card account without acknowledgment from the customer. They have no proof of sending me the OPT OUT letter. Now my credit report will have a notation of me closing an account that I never applied for to begin with. I don't want anything on my credit report to reflect this XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with the credit bureau XXXX 
I have spent more than 30 hours in total on phone trying to solve the issue - XXXX does NOT report any credit cards on my report, and marked my score as " - ''. 
XXXX and XXXX reporting all credit cards and my score is around XXXX points. 
XXXX reports 1 credit card ( XXXX XXXX ) with No score and does not report all mine 6 credit cards as authorized users. 
I spent already a few months trying to solve and now kindly asking you to help me.
Product: Checking or savings account

Hello My Name is XXXX XXXX social XXXX. Fifth third bank cloaed my account in 2016 and reported me to XXXX XXXX XXXX. Due to Covid 19 and and begging the institution to finally remove me from XXXX XXXX so I can open a account for my stimulas money
Product: Credit reporting or other personal consumer reports

The following CLOSED account is being reported on my credit file although it was opened in XXXX  : - XXXX  ( XXXX ) accounts reporting on XXXX, Equifax and XXXX.
Product: Checking or savings account

My Wife died on XXXX XX/XX/year>. As Joint Executor to her Will, I sent all My Wife 's and my details to the Alliant Credit Union to identify myself and to establish the authority over the account. They refused to let me have any information about her account. 

Before her death, she signed a paper altering the beneficiaries to her will, which was sent to the Alliant Credit Union by tracked post from the XXXX. They have not recognised the receipt of this. 

They have subsequently disembursed her assets with the Alliant Bank without my ( as executor ) permission to people who were no longer her recognised beneficiaries. 

I have tried to talk to the Alliant Bank - They no longer accept calls from the XXXX, when I visited the US, they will not give any information. 

I can submit full evidence of my statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to Experian, XXXX, and XXXX to investigate and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. 
Transaction history is not to be reported according to the consumer laws. 
The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. 
The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received my copy B of the IRS 1099-C form that was processed and accepted by the IRS for Capital One Account : XXXX, discharging this debt. My Capital One account has not been updated to reflect that this account is paid in full, I have not received title of the vehicle, nor has my credit report been updated to reflect that this account is paid in full. The responsible parties to insure that the proper rules are followed regarding the issuance of securities and who protects the interest of the investors are both Capital One Auto Receivables, LLC and the indentured trustee The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  with XXXX XXXX and General Counsel, XXXX XXXX XXXX, as responsible signor. ( attached is the accepted Copy B 1099-C form )
Product: Credit card or prepaid card

XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.
Product: Credit card or prepaid card

I have purchased XXXX item from XXXX XXXX XXXX XXXX on XX/XX/2021 worth {$3000.00}. I have paid extra to deliver the parcel on time because receiver going to take this gift overseas. Somehow seller did not ship/deliver item on time and missed the deadline. So I have decided to cancel the order and told seller to reroute the parcel and cancelled the order. I told them they must reroute and make sure carrier do not deliver or leave it outside. It was unsafe and no one were going to at place to receive for next XXXX months. so I decided to canceled the order and reroute requested to the seller. I have emailed seller and got in writing from them. Rerouting was successfully done and buyer is not responsible for anything. I told them that can refund after receive the item. Somehow XXXX did not deliver and returned the parcel on base. they accidentally loss the parcel or gave it to someone else. I told seller to dispute with carrier and provide me information about who received the package. I have filed the dispute with my Goldman Sachs bank XXXX time but everytime they favor dispute on seller side. I asked them why and what proof they have provided. they said they received proof of purchase ( Invoice ). I told my bank that proof is not sufficient. They need to provide us proof from carrier whom they gave the parcel or how they lost it. Credit card company did not help and I am not able to talk over the phone. If I have cancelled the order and seller had rerouted the item. I am not responsible for any loss after it. I have emailed seller multiple times but they failed to reply me on time and credit card company was favoring seller on based on invoice. I told my credit card company that I have purchased but never received and cancelled the order. They should review the case properly.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX, Creditor Phone # : ( 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, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for failing to accurately update and investigate my credit report despite multiple attempts to rectify errors from the years XXXXXXXX XXXX XXXX 
The following accounts are reporting as charge off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consistent Misreporting : Equifax has consistently reported my account as `` CO '' ( Charge-Off ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, without updating the payment history accurately. 
Incorrect Monthly Charge-Off Reporting : Equifax has incorrectly reported the account as a charge-off ( CO ) each month. A charge-off is a one-time event, and continuously reporting it each month is inaccurate and violates standard credit reporting practices. 
Lack of Resolution : Despite reaching out to Equifax multiple times, I have not received a satisfactory resolution or correction to these inaccuracies. 
Latest Violations : Despite the CFPB 's recent order requiring Equifax to pay a XXXX XXXX XXXX for failing to conduct proper investigations of consumer disputes, Equifax has still not complied with the necessary corrections to my credit report. 
Request : I kindly request the CFPB to investigate Equifaxs handling of my credit report, enforce necessary corrections, and ensure that such discrepancies do not recur. These errors have significantly impacted my creditworthiness and have caused undue stress and financial hardship. 
Thank you for your attention to this matter.
Product: Mortgage

Beginning in XXXX of 2021, we contacted our mortgage company to have PMI insurance removed since we were well beyond the 20 % equity required in the subject home, We had an appraisal conducted, at our expense, which we forwarded to them. After repeated calls, they told us they would get back to us about when it would be reviewed and the PMI removed. To date, over a year later, they have yet to remove the PMI or explain why not. They keep insisting we need to speak to a specific person who has NOT ONCE returned a call. They just ignore messages and the representatives who answer the phone say they can not help.