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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, TELETRACK add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX/XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and request that they be removed. 

XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX
Product: Debt collection

XXXX XXXX XXXX this company keep calling I do n't know who they are calling for I have ask them to removed my number and they are still calling they have been calling since Monday XX/XX/XXXX @ XXXX XXXX, Tuesday XX/XX/XXXX @ XXXX, Wednesday XX/XX/XXXX @ XXXX XXXX, I have returned a called and told them to remove my number but all they did was call from a different number. the following numbers they have called from XXXX and XXXX they are calling everyday and refuse to stop calling after they was told do not call this number. and I just received this number so I do n't know nor care who they are looking for just stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IQ Data International at XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of {$2200.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will the Credit Bureaus remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This report serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance.
Product: Debt collection

I receive calls from Commenity Bank in regards to XXXX XXXX XXXX XXXX credit card. At this time I am in a financial hardship which I have let them know however they constantly call XXXX times a day sometimes back to back. This morning ( XX/XX/XXXX ) at XXXX I answered the call and let them know I would be getting a lawyer involved and to please stop contacting me. At XXXX they again called back and previously at XXXX one that I did not answer. Yesterday XX/XX/XXXX they called XXXX times and before that on Sunday XX/XX/XXXX 4 times in one day, XXXX, XXXX, XXXX and XXXX. This has been happening for several weeks and I know the laws, they are not allowed to call more than XXXX times in a XXXX day period. There was one day XX/XX/XXXXXXXX  that they called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. That in one day is XXXX times, which is over the XXXX  times in a XXXX day period. This is beyond rediculous as I work several jobs and have children to tend to. I have all phone records to prove they are harrassing me on a daily basis by constantly calling.
Product: Debt collection

CFPB Complaint Details Subject : Dispute of Debt Collection Practices and Credit Reporting by Transworld Systems , Inc. 

Complaint : I am filing a complaint regarding inaccurate debt collection practices by Transworld Systems , Inc., as well as improper credit reporting related to an account originally held with XXXX XXXX 

Key Issues : 1. Failure to Notify : Transworld Systems , Inc. failed to provide me with written notice of their involvement in collecting this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ]. I was not informed of my right to dispute the debt and only became aware of their involvement when I noticed the account reported on my credit report.

2. Active Payment Arrangement Ignored : I had an active payment arrangement with XXXX XXXX  to pay off my balance, and I have consistently made payments, including : XX/XX/year> : {$57.00} ( Confirmation # XXXX ) XX/XX/year> : {$50.00} ( Confirmation # XXXX ) Despite this arrangement, XXXX XXXX  forwarded my account to collections without notifying me, which I believe constitutes an unfair practice under FDCPA [ 15 U.S.C. 1692f ]. 
3. Miscommunication by Transworld : A Transworld representative, XXXX XXXX, incorrectly claimed that no payment was made on XX/XX/year>. This is false, as evidenced by my payment records. 
4. Inaccurate Credit Reporting : Transworld has reported this debt on my credit report, which is misleading and inaccurate, given my active payments and the lack of validation or notification regarding the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Product: Credit card

I paid off and closed the XXXX card. Unfortunately they don't take that as a reason not to assess a general fee still so it added balance and put the card way past due. 

I spoke with an associate on the phone that confirmed this. That even if your account is paid off and closed they will continue to assess fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I received a Late payment Flag on my Credit Report from Discover Bank According to the fair credit reporting act this creditor has violated my rights. On their 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. On their 15USC 1666B a creditor may not treat a payment on a credit card account under and open an consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. The specific account ( XXXX ) in question include : * Account Name/Number :XX/XX/XXXX XXXX Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. * CRAs must block the information within four business days of receiving the required documentation. 2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. * I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ). 2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 3. A revised copy of my credit report reflecting these corrections. Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXXthirteen ( 13 ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. 

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) XXXX05B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report. 

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new home mortgage and my credit was pulled. Equifax reported that I had fraud. The other two credit reporting agencies did not report this. On XX/XX/19 I called Equifax and was given a fax number to send info to remove the fraud and was told to wait 5-7 days. After 7 days I called again and they said they didn't have the information in there system. I again faxed the information and verified the fax went through. I waited an additional 7 days and was told the same thing. I asked if I could talk to the department who handles the faxes and a supervisor told me they don't have a phone. They also wouldn't email or try and locate the paperwork and told me to send the same information in again. I did and called today XX/XX/XXXX and they still said no update in the system and refused to try and locate the information. They told me again to send in the info and wait another 5-7 days. I did give the representative all of my personal info and he said they couldn't pull up a credit file and not that it was fraud. This is a big difference not having a credit file is different then reporting fraud on my credit report. I have been on the phone over 6 hours with them and they refuse to help me. They just keep telling me to send in the same paperwork and wait 5-7 days. Plus I was hung up on the last call I made to them which lasted 58 minutes. I am going to lose my {$1000.00} earnest deposit and my  dream home as no lender can help me because they are misreporting as fraud rather than no credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are reporting unauthorized inquiries on my credit report. I did not give authorization for XXXX XXXX XXXXXXXX, XXXXXXXX XXXX or XXXX to gain access/pull my credit report. As a result, inquiries are listed. There are no open accounts listed on my credit report with these creditors and therefore, the inquiries should be removed immediately. This is my second request for XXXX to remove XXXXXXXX XXXX  and XXXX. I've made several phone calls to attempt to have this matter resolved, but XXXX is still reporting inaccurate information. I am a victim of identity theft ; someone stole my social security number and has been trying to open up fraudulent accounts, which is resulting in unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX, XXXX ( Acct # XXXX ), XXXX XXXX  XXXX XXXX XXXX acct # 's provided- amounts are {$100.00}, {$110.00}, {$220.00} ) has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with a inquiry about a discovery checking my credit without my consent and I have never requested a credit card from discovery. I get emails about my dispute being resolved but every time I try to assess that information its saying I'm putting the wrong information into the boxes. I called the dispute department and they put me on hold for over an hour and I have to return from my lunch break while at work. Its a real inconvenience for me to keep trying to get the results for my dispute.
Product: Mortgage

Dear Sir, Madame, Due to coronavirus/pandemic I was protected under the mortgage forbearance. I have noticed that my credit report has been seriously damaged with negative late payment reporting by my mortgage servicing provider AmeriSave. 

I would appreciate if you could kindly fix this as it was protected by law that consumers would not be negatively impacted when entering into this government program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, Transunion, XXXX, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Product: Mortgage

I am working with Lakeview loan care servicing on what I have been lead to believe are escrow funds that they owe me in the amount of {$2900.00}. I have complied with all of their requests and they continue to delay the disbursement of funds that I am rightfully owed. According to their records a check was sent in XXXX that was never deposited. I did not receive this check and was not alerted it had been sent until I received a letter ( attached ) from them in XXXX of XXXX informing me that the check had never been deposited. The letter informed me that if I requested the funds be resent by XX/XX/XXXX I would receive payment no later than XX/XX/XXXX ( 8 weeks ). After the XXXX passed I called again on the XXXX to ask what had happened and their representative informed me that nothing had been done on their end and that she had put in a request for the funds to be cut and mailed no later then the XXXX of XX/XX/XXXX. I called on the XXXX of XX/XX/XXXX to confirm that this had happened and was informed by another representative that this also had not happened. If I had owed them this money to them for XXXX+ years I would undoubtedly be in collections at this point.
Product: Debt collection

I have been getting calls from an unknown number every morning and throughout the day beginning at XXXX. Today XX/XX/19 I answered the call at XXXX MST and found out the call was from Comenity Bank . I asked the representative did she realize she was calling me at XXXX and that violates FDCPA. The representative stated that the company can call starting at XXXX which I know from prior experience that they should not be calling before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters regarding this last year, and to no avail, nothing was done about this. I have just received new credit reports, and I have decided to take the process a little further. I have also mailed a certified letter to the XXXX XXXX XXXX of Texas, in regards to this situation. My compalint is with Experian Credit Burea.I am disturbed that Experian continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is the credit bureaus policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, I would appreciate a response within 14 calendar days from receipt of this letter. Thankyou.