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

After receiving my credit report, I noticed an another extremely high number of unauthorized inquiries on my credit report. Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of stress on me not being able to get approve for a mortgage I recently applied for. Its seeming to be Experian and its agents are being unfair and partial, nor have I giving any under 15USC 1681b they had no permissible purpose. I have not given Experian any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. I have reached out and spoke with a fraud specialist at Experian where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization Experian has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. I will attach a copy of the laws that Experian will be in violation of below. 15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 

Also, I spoke to a fraud agent and disputed accounts that are reporting inaccurate information and seeming to be fraudulent as well. I would also like your assistance that this account is validated correctly. 

" Letter to Experian '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay these debts. 

Please provide me with the following : What the money say I owe is for : Explain and show me how these were calculated what say I owe : Provide me with copies of any papers that show I agreed to pay these debts that these companies say I owe with my signature : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that any debt collector asking me to pay a debt are licensed to collect in my state New York : If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX Void where prohibited by law.
Product: Checking or savings account

I was using square payment process as to process payments that i was receiving with respect to my business, i had it connect to my website, so consumers can go to my website and pay conference fees. 

XXXX XXXX had initially contacted me and asked me to provide information to verify that the site was legit, and what i was collecting funds for, i directed to the website and also uploaded a flyer describing the conference. Also, the business is registered with the state of Florida under XXXX. and it also has an XXXX. 

I was not given any information as to why the deactavated my account, other than they can not support my business any longer. 

In addition, The are holding monies that I have collected as deposits from individuals, that are needed for conference scheduled in XXXX of XXXX. The funds have cleared the account, and I have left it sitting in my account for XXXX  months. I went to use the debit card to purchase items for the conference from XXXX store in the amount of {$32.00} They are advising me that they are holding all monies in the account until XX/XX/XXXX of XXXX which is unlawful for them to hold these funds, especially since they had been in my account since early XXXX XXXX the amount is {$420.00}. 

Please help me in getting my funds released to me so I can transferr into my bank.
Product: Debt collection

For now over and 1 1/5 years I have been disputing with XXXX this account from POSSIBLE FINANCE listed on my credit report. Every single time XXXX is stating that you every month is telling them this account belong to me. I have never opened this account with you. I have never received a bill or anything to my address and because I have had enough with XXXX not removing this fraudulent account, I have sent them an Intent To Sue letter. I received a call from them and they insisted that I filed an Identity Theft report with the FTC and send it to you that is a fraudulent account and that you re the ones that are able to have this removed from my XXXX credit report. I am beyond frustrated and if this is not handle soon, the only recourse if to file a lawsuit in small claims court against you. Please see my attached ID Theft Report and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX  on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B.  XXXX  is asking for another affidavit stating it does not look like an original when it was printed from the website. Equifax has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. Equifax continues to ask for proof of identity which I have supplied SEVERAL times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX AUT XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am disputing a charge on my American Express card for the amount of {$3100.00}. I was told if I could prove that I tried to contact the company to let them know I was unsatisfied that they would refund the amount. They keep claiming that because I signed a paper that said the work was completed that they are siding with the company even though I explained that they lied to me about the purpose of the paperwork and it was only for a prototype and the completed work has still not been done. XXXX XXXX  is the company I am disputing against. They haven't even completed the terms and agreements on the website they were suppose to complete and they have the pictures on the website as boxing and I was told that was just a sample because they were suppose to build the website for self defense products and they never changed the pictures from boxing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on Several occasions in reference to some unauthorized inquires on my credit report from XXXX XXXX XXXX XXXX. I was told by different Reps that the inquires would be disputed, in a matter of days the results would come back as being factual. I contacted XXXX XXXX XXXX XXXX and their reps stated they did not receive anything from Equifax. I was also told by a rep to get a letter from XXXX XXXX XXXX XXXX stating that the inquires was unauthorized and send it to them and they will remove the inquires. I faxed over the letter to Equifax and called them to see if they received the letter. The Rep that I spoke to his name was XXXX, told me that now I have to contact XXXX  again and tell them they need to contact their business office. The rep I spoke with at XXXX told me they don't contact Equifax and that the letter should be enough. 
I'm just trying to get my credit report correct, I gave Equifax the information they requested and now they are giving me the run around. All I want is my credit report to reflect how it is suppose to be.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. 

Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/2020 Account Type : Credit card I emphasize my right to a fair and accurate credit reporting process, and the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX I was looking at new phones on Google store and when I'm at the check out section there was an option to pay in full or finance. 

I clicked on finance to see more information and was led to third party bank website by www.synchrony.com, on this website it asked me to enter the last 4 numbers of my social security and phone number, WHICH I DID NOT ENTERED AND LEFT! 

a few minutes later I got emails saying that there was a credit hard inquiry on my XXXX XXXX XXXX GOOGLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an unauthorized credit check! no where did I allowed this, no I did not give out my social security number! 
I have tried to call the number above but it tells me to get support from their online website and I tried but it went no where, it's not easy to reach the right person! 

I request GOOGLE XXXX XXXX XXXX XXXX to fix this by contacting all the credit agencies that they pulled my information from and request that the bureau remove it from my report.
Product: Credit card or prepaid card

I requested a credit line increase with capital one on XXXX XXXX. They sent me a letter saying my request was denied because my payments were too low. I always pay more than my minimum payments so i disagree with the findings. I have reviewed my payment history and it was 40 percent more than my minimum payment requirements. I would like a reconsideration. I am a loyal customer and i strongly believe that i am more than qualified to receive a credit line increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. 

Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. 

I request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.
Product: Debt collection

Ford Motor Credit called my Aunt, my mother and my friends saying that they were going to have me  arrested because of a debt that I owed. I also made multiple payments, paid {$10000.00} cash for the vehicle and did not owe the amount that the company claimed. Even after making the payment, FORD motor credit sent a tow truck to my residence. When I called, XXXX ( name started with a XXXX ) laughed and told me that FORD wanted me to know that they were not playing with me. I have witnesses to that. 

Not only that but I filed multiple complaints to the Federal Government, Federal Trade Commission and got an attorney. The attorney talked to Ford Motor Company and they agreed to leave me alone in exchange for me not suing them for substantial abusive communication tactics in violation of my consumer rights. This contract was for a vehicle purchase. The Retail Installment Sales Contract was signed XX/XX/XXXX. Several years later, as a result of the natural disaster Hurricane Katrina in XX/XX/XXXX, my vehicle was flooded and totaled. XXXX, instead of paying me for the vehicle, paid Ford Motor Credit Company after Ford misrepresented themselves. Further, FORD Motor Credit stated to XXXX that they would account to the insured for any excess of any payment not owed to FORD. No such payment has been made, XXXX paid them {$13000.00} on XX/XX/XXXX. FORD had no right to the money they finessed out of my insurance company and they continue to harass me and my family. 

FORD has made my life very difficult, even resorting to harassing my mother, who had XXXX XXXX XXXX and even appeared at her home to threaten her and me about jail time for a vehicle, for goodness sake! 

I have not received any written communications about any debt and refused to do business with FORD as a result of their bullying and unscrupulous tactics. 

Now, I find out out that FORD has taken it further and 18 years later, they have brought a lawsuit for a XX/XX/XXXX contract. I have had it with Ford Motor Credit Company. I do not owe them and I want the money back that they were paid for the vehicle which did not belong to them. I want money for pain, suffering and harassment. I had agreed not to sue them for violation of my rights and for threatening my family but to this date, the harassment continues! I have been humiliated time and time again and I am tired of trying to defend myself. FORD is unscrupulously wrong! 

They have impersonated attorneys and pretended that I would have problems with the government and would never be able to work again because they would take every dime I had. They had agreed to leave me alone and reneged. How can this be? 

Why are they still harassing me almost two centuries later? This is NOT RIGHT! 

I do not have the Contract from XX/XX/XXXX but I want a copy of it. I also want a copy of all documents in the possession of FORD MOTOR CREDIT relating to this. They do not have a lien on the vehicle and signed a lien release many years ago. Whatever collection agency they turned this in to, I want a copy of every document dating back to XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

This company has run my credit XXXX  in XXXX month without my consent. These have hit my credit report as hard inquiries. The first XXXX was XX/XX/XXXX and the second XX/XX/XXXX. I do have a loan with them that I have not been able to make my monthly payments due to XXXX affecting me financially.
Product: Credit reporting or other personal consumer reports

these inquiries are unauthorized and they are not related to any transaction by me According to the 15 usc 1681 law there should not be any damages in my report its defamation to my character these are all the inquiries on my report Credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.
Product: Checking or savings account

Fraud alert on my account while on XXXX. Could not use debit card or access funds. Unauthorized transactions and bank fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By Landlord Mitigation Administration in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX  Claim # XXXX Amount : {$950.00}
Product: Debt collection

I WENT TO XXXX TO SEE IF I QUALIFIED FOR ITEMS I DID AT PIONEER FINANCING AT THE TIME NEVER PICKED UP OR RECEIVED ITEMS THEY HAVE BEEN CALLING SENDING LETTERS I HAVE TALK TO THEM THEY WILL NOT TAKE THIS OFF OF MY REPORT .I DO NOT HAVE AN ACCOUNT WITH EITHER COMPANY.
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I was scammed {$880.00} by a jeweler I didnt noticed it was a scam until it took longer than XXXX weeks to receive the gold jewelry I order I then reached out to Chase bank and informed them I was scammed.. I was told by chase they dont handle the XXXX and that XXXX was their own company and I needed to file a claim I did as they told me and was denied the {$880.00} I was scammed out of still today I dont have my money or the jewelry if I cant trust my bank where I put my money then why am I using it
Product: Payday loan, title loan, personal loan, or advance loan

Ace Cash Express directed me to Populus Financial to pay off my previous account. I experienced hardship during the Covid 19 epidemic and I applied for a payday loan. I wasnt aware of this installment loan nor the high interest rates. Even though I made payments towards my ACE Cash Express account, my banking institution stated, the merchant whom received my payments was through a currency, or to a foreign country. My banking institution told me to contact the merchant to verify my received payments and to show proof of payments receive to a company within the United States of America. I asked Populus Financial for an invoice and I spoke to several supervisors for assistance. My payments to Populus Financial did not leave me in good standing with Ace Cash Express. The interest rates for this online installment loan should be further investigated. Populus Financial stated, No third parties are working on the companys behalf, however, the company has failed to properly report updated information regarding customers accounts.
Product: Debt collection

Continental Credit Control in XXXX XXXX has been re-opening my old debt I paid 9, going on 10, years ago. They have been hounding my credit every week adding a dollar to my fake collections every time I dispute this. They have been received horribly in all online forums and complaints portals such as XXXX, and XXXX. They do not follow Californias statute of limitations nor am I finding anyone willing to help the thousands of us that are experiencing these scams. I paid this collection 9 years ago and I will not give my information to them over the phone to end this.
Product: Student loan

I am trying to contact ACS Education Services about deferring my loans while I am on a XXXX XXXX. I believe my campus based loans were Perkins loans, but I need to verify that and where to send the forms. Over the last month, I have sent two emails that went unanswered. Today I tried twice to call and stayed on hold for 30 minutes or more each time. There is no estimate of how long the phone hold will be. I would like to be able to contact ACS Education services in a reasonable amount of time.