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

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
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.

Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX, Account Name : XXXX XXXX Account Name : XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last XXXX XXXX  and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.
Product: Checking or savings account

I deposited a check from the Indiana Attorney General 's office on XX/XX/XXXXXXXX  in the amount of {$18000.00}. On the deposit slip, it stated that part of the funds would be available immediately and the remaining amount would be available on XX/XX/XXXX. On the morning of XX/XX/XXXX, I checked my account balance, and the full amount of the check was shown in my available balance. I then made several large payments to credit card companies to pay off some debt. 

At the end of the day, I received notification that my account was overdrawn by over {$400.00} despite having funds to cover transactions. 

I called Wells Fargo to find out that a hold in the amount of XXXX had been placed on the funds retroactively. 

Now I have multiple returned payments with creditors. Wells Fargo states there is nothing they can do.
Product: Checking or savings account

My mother passed away and left a commercial property to my sisters and I. The funds were a wire transfer. I did get the funds into my Chase bank account ( checking and savings ). We closed the sale on XX/XX/year> and I was informed by the bank that my account was restricted and that they would not pay anything more and that I could not take any money out. On around XX/XX/XXXX I found out that they are planning to close my accounts I have several XXXX XXXX dollars in there, so they closed it on XX/XX/year> said they would send me a cashiers check. I called to see what was going with my funds and they said it was in collections or claims, I Could not and still don't understand. They told me that they could not verify the LLC, my sister is the manager of the property. They finally called her and verified so they said they were going to put in a request to release the funds This morning Monday XX/XX/year> I received a call from Chase and they said it was denied because they couldn't verify the wire transfer. Now I'm really upset that they are doing this to me, my sisters had no problems in their banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have " XXXX XXXX '' on my XXXX  account. 
It allows me access to information concerning me and this information is provided by Experian. 
Under addressed this is what is listed. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX The first line is correct. 
The second line:XXXX XXXX XXXX XXXX XXXX AZ XXXX is not. 
I called the number that is given on the page to have it removed and spent an hour on the phone with the automated system trying to get a live person! Could not get a live person to save my life!
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Credit Information To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX account # XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate I am not liable and refuse to pay this debt with XXXX XXXX . I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.
Product: Debt collection

A person by the name of XXXX XXXX calls my place of work and leave a message with a coworker for a call back, So I called her back and she proceeded to give me the mini Miranda and tell me about the debt she has in her office. I tried to tell her I never received a notice in the mail and asked her not to call my work anymore and she says she didn't know it was my work, we answer the phone with a biz name. I asked for an itemization of the charges since I did not recognize one of the charges she was describing but, she claims she can not get that since it is hippa protected, So I wanted to ask how you can collect something you can't prove I owe but she got angry and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint reference Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX as CRA. 

All CRA are reporting inaccurate data. As a Consumer I have erronous and inaccurate personal identifiable information concerning my credit reports from CRA 's listed above. 

I have tried on many occassions to correct the legal status of my reports from all CRA 's listed above. 
Needless to say I can not get anyone in authority to physically comply with my written statements sent by certified mail XXXX of XXXX to XXXX. 

There are erronous public records and inquires on my personal credit reports that are inaccurate. I have sent legal documentation with SSA Death Erronous letter dated XX/XX/XXXX and XX/XX/XXXX to prove I am alive and that my personal identifiable information mist be corrected by law. 

The response I get from credit bureaus states " information verified '' or " agency can not find files '' or " records ''. 

As a Consumer I believe the inaccuracy have to do with " false death '' initiated in error by SSA Death Master Files that originated in XXXX. 

This SSA Death Master Files death error originated in XX/XX/XXXX, was corrected by SSA in XX/XX/XXXX. 

I have attempted to correct inaccurate data for approximately 14 years with SSA and CRA 's by certified mail. This involving my personal credit reports by sending a legal court ordered with first name, and last name changed, showing proof of only one current address that should be on file involving all credit reporting agencies that have access to my personal indentifiable information. 

Section 1681s-2 Responsibility of furnishers of information to Consumer 's reporting agencies have been overlooked, and or ignored. 

I AM AWARE THE FCRA STATES THE FOLLOWING ; " A CRA must remove or verify inaccurate or unverified information from its files usually after 30 days when its disputed. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

The OCR and E OSCAR VERIFYING THIS INFORMATION IS NOT RECOGNIZED AS PROPER VALIDATION. 

Consumer complaint in demand for ONLY CERTIFIABLY COMPLIANT REPORTING and physically verified valid personal indentifiable information. As well as requiste reported to be included on any report CRA create, retain, receive, and or release using my personal identifiable information.
Product: Credit card

I have an account with paypal credit and missed last months payment. Currently I am starting out in my career and trying to afford to live in XXXX XXXX and working XXXX jobs to pay my bills. I am stuck in an apartment I can not afford and can not afford the deposit to move to a cheaper place. So unfortunately I missed my payment for paypal credit last month. I will pay it as soon as I get paid again but in the mean time they have started to call my parents and harass them. I am XXXX years old and have not lived with my parents for 12 years. They actually have had huge financial struggles and lost their house that I grew up in and were forced to move to North Carolina where they could afford to live. I have never provided their information for anything relating to my credit. I do n't like to share this information with them because it would put too much stress on them since they are not able to help me financially. So paypal calling them and telling them how much I owe has them very upset. I do n't know how they got their information in the first place and paypal straight up lied and told my parents that they did not have my contact information. So why would they not have mine, even though that 's required to even open the account I opened with them, yet they have my parents info which I never provided with them. They keep calling them numerous times a day and it has my parents and me very very upset in this already difficult time. I just want them to stop calling and harassing my family that is incapable of helping anyways and giving out my personal account information with out any permission. I will pay off my balance it is just going to take me some time which I do apologize for.
Product: Credit reporting or other personal consumer reports

I trust this finds you in good health. I am writing to address a matter of utmost significance concerning my credit report. After a thorough review of my credit history, I have identified several accounts that have been opened without my authorization, adversely affecting my creditworthiness. I firmly believe that these accounts are a direct result of identity theft and warrant immediate attention and resolution. 

Specifically, the following accounts are under dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I kindly request that you prioritize the resolution of this dispute, as it directly impacts my financial stability and overall well-being. I urge you to take prompt action in removing these unauthorized accounts from my credit report and provide written confirmation of their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to Experian in regards to accounts listed on my credit report. I wanted Experian to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Being that I had not heard from Experian so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from Experian regarding both letters mailed to their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a home and found out I had negative items on my reports that's hindering me from doing so but according to the law 15 U.S.C, 1681 there shouldn't be any negative reportings on my consumers report and its definitely Deformation of Character.
Product: Vehicle loan or lease

I APPLIED FOR FINANCING TO OBTAIN A VEHICLE, THIS COMPANY RAN MY CREDIT OVER 7 TIMES, REFUSE TO APPROVE OR DENY ME THE LOAN BECAUSE I WILL NOT PUT ANY MONEY DOWN, XXXX IS IN VIOLATION OF 15 USC 1611 IN THIS CONSUMER TRANSACTION.
Product: Debt collection

I am behind a few payments on a personal loan. This company despite trying to work with me over the phone continues to send me threatening letters saying they are accelerating my loan if all past due amounts arent paid. They said theyd do it by XX/XX/XXXX now they are saying theyll do it by XX/XX/XXXX. This is despite me making payments and trying to bring my account current. Their reps tell me 120 days until a charge off but their threatening letter say otherwise. Aside from this, repeated calls and emails to an excessive level. This is a very unprofessional company.
Product: Debt collection

Attached CFPB response by XXXX states they can not validate debt providing the original terms of offering because account was opened in 1987. Account has been charged off. See attached Truth in Lending Act requiring creditor or debt collector to provide copy of written agreement that created this alleged original requirement to pay. XXXX continues to collect this debt that I never agreed to pay. See attached letter attempting to collect debt. I demand this harassment and continued violation of my consumer rights to be stopped.
Product: Debt collection

This balance was resolved with the original debtor XXXX. I never received a statement stating I had an over due balance with this company. Attached is the statement I received at my new address. This account was paid in full upon moving. I then began to receive collections calls. When I logged back into my account, there was a balance owed. At which point representatives of XXXX admitted to altering my account information. XXXX has admitted on a recorded line to falsifying documentation for collections efforts. 

I have never received any correspondance from Sunrise Credit via mail or otherwise. They then placed a derogatory remark on my credit with no prior notification. This balance has been resolved since XXXX of 2022. I do not owe this balance. I never acknowledge owing this balance. I was never told I owed this balance until XXXX of 2022. This was resolved completely in XXXX of 2022. And I have received zero correspondance from either XXXX nor Sunrise credit at any point and time prior to a second derogatory remark on my credit.
Product: Checking or savings account

Wise.com ( formerly TransferWise Ltd. ) is an online FX/payment processing portal which my XXXX XXXX XXXX. has set up an online account and approved on XX/XX/2022. On XX/XX/2022 XXXX of our clients wired {$30000.00} to our XXXX account via transfer through Wise.com for IT consulting/development services from XX/XX/2022 thru XX/XX/2022. For some unknown reason, XXXX confiscated this wire ( {$30000.00} ) and closed our account ( XXXX XXXX. ). We have made numerous requests to send back/refund our funds to no avail. We've sent Wise.com numerous daily/weekly reminder emails but NO response back from them. We just want justice and get our {$30000.00} refund back to our other XXXX bank account.
Product: Debt collection

Received a call from XXXX asking to verify delivery of legal document. When called back a recording states, " you have reached the location verification division please call XXXX. When that number is called it is the phone number of Alliant Capital Management XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX - XXXX Compliance - XXXX XXXXXXXXXXXX. 
I have determined it may be or posing as a debt collection company. I have no debt, no failed loans perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!
Product: Debt collection

Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/XXXX, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you
Product: Credit reporting or other personal consumer reports

there are unauthorized inquries on my report that i would like removed