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

Statement of Facts Regarding Unauthorized Inquiry from XXXX I am writing to formally dispute an unauthorized inquiry listed on my credit report. 
The inquiry is dated XX/XX/2024, from XXXX. I do not recognize this inquiry, nor did I authorize any transaction or credit request involving XXXX  on the aforementioned date. This inquiry is fraudulent, and I am requesting that it be immediately removed from my credit report. 
Statement of Facts : Unauthorized Inquiry : On reviewing my recent credit report, I found an inquiry from XXXX listed under " Inquiries '' dated XX/XX/2024. I did not initiate any contact with this company nor give consent for them to pull my credit report. 
No Prior Relationship : I have never applied for credit, services, or initiated any business with XXXX I am certain that I did not authorize any credit check or inquiry with them. 
Fraudulent Activity : This inquiry is unauthorized, and I believe it is the result of fraud. Someone may have impersonated me or used my information without my consent to access my credit report. 
Request for Immediate Action : I request that TransUnion immediately : Remove the unauthorized inquiry from my credit report.

Conduct a full investigation into this matter to determine how the inquiry was made without my authorization. 
Provide me with written confirmation that the fraudulent inquiry has been removed and that my credit report has been corrected.

Please treat this matter with urgency, as unauthorized inquiries can have a negative impact on my credit score and may be indicative of identity theft. 


XXXX
Product: Vehicle loan or lease

I got a loan on a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Credit Acceptance with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and today is XXXX XXXX my car will not start will not take a jump either contacted them so they can tell me where I can take my car to get it fixed ASAP the car has a XXXX XXXX XXXX XXXX XXXX XXXX and remind u that I havent had the car a week it started misfiring and it flag on the dashboard of the car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I got the car because I need a car and to help my credit not to have payments on a car I can XXXX XXXX and get back and forth where I need to go not to have all of these problems and I just got the car I really hope XXXX can help me. I appreciate yall for taking the time out to read this hopefully I will hear from u soon I can be contacted @ XXXX Thank u and have a blessed day!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card balance is not getting regularly updated with XXXX, TransUnion, or XXXX even though XXXX XXXX XXXX XXXX is submitting the information monthly. It is XX/XX/XXXX, but my account balance on my credit reports show that they have not been updated since XXXX, XXXX.
Product: Credit card or prepaid card

On XX/XX/2022 I placed an order on XXXX and paid using my XXXX XXXX XXXXXXXX XXXX. The order was never received. I reached out to the merchant and was told to dispute the charge with my financial institution. Since the merchant was unable to resolve the issue, I submitted a dispute with XXXX XXXX. A few weeks after disputing the charge, I received a letter from XXXX  XXXX asking for supporting documents. I responded to XXXX XXXX with all the requested documents. I was recently rebilled for the charge and received a letter stating, " While we have received your response to this request, it lacks all of the previously requested information needed to validate your claim ''. The letter does not specify what documents they did not receive or what documents I could provide to resolve my dispute. It is clear that XXXX XXXX did not properly review the documents I sent to them. I believe that XXXX XXXX is acting in best interest of the merchant and not protecting their customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over XXXX  days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX Please remove it from my credit report. 

XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number- XXXX XXXX. Account name- XXXX XXXX XXXX Account number-XXXX XXXX. Account name- XXXX XXXX Account number- XXXX XXXX. Account name- XXXXXXXX XXXX  XXXX Account number- XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention.

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy this account from their records due to an identified error. I am perplexed as to how you have verified this account while the other bureaus have updated it. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
Specifically, I wish to dispute this account : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX incredibly frustrated because I found unauthorized inquiries on my credit report this morning. These discrepancies are completely unexpected, as I check my report regularly. I even tried refreshing my browser to rule out a glitch, but nothing changed. I insist that the documents Ive provided be reviewed right away so I dont have to deal with this stress anymore.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Checking or savings account

I just want to explain something to Wells Fargo I am not trying to money grub the company I find it very frustrating that they do t see the whole picture and when I took them to court I thought {$150000.00} was too much and here I am now to explain why I did that I didnt want that kind of money I was trying to get my point across and because of how they handled the situation i was upset I thought of only {$10000.00} in compensation and damages towards my XXXX it was handled improperly and Im hoping for a resolution for this matter Im hoping to receive a check for up to {$10000.00} that be very nice and accomodating for this matter and I want to appologize for scaring Wells Fargo with that crazy number I think {$10000.00} would be feasible for this matter now that this federal court is dismissed we can work out a deal with Wells Fargo and take care of this hoping to get up to or around {$10000.00} in compensation thanks
Product: Debt collection

They do not legally own this debt and I do not either so remove because that means this account is not XXXX XXXX accurate on my credit report by consumer law my credit report is to be XXXX XXXX accurate at all times or Violation fees of {$1000.00} per violation can be served.
Product: Money transfer, virtual currency, or money service

I opened an account with SquareUp and after my first transaction they closed my account and cant tell me the exact reason why. I have a small business and those funds are needed. The payment was sent on XXXX and my account was closed 2 days afterwards. The money was set to be deposited but never has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly Experian 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Product: Checking or savings account

XX/XX/2019 someone walked into another branch of Citizens ( another state from where I live ) and was able to present ONE ID and withdraw almost 10,000 out of checking and savings. It took Citizens five days to file the complaint ( it was a weekend and holiday ) and 10 days before we even had the affidavit sent to me. We have spoken with several people about this at the institution and were told that it clearly wasnt me who withdrew the money and we would be given a provisional credit. We are coming up on three weeks since the incident with no resolution. Horrible customer service! Horrible policies and did not protect me assets!
Product: Debt collection

they are calling number ending in XXXX, ive never opened an account in XXXX, ive been in and out of the hospital. their name keeps changing, i spoke to them about not calling me, they said they are a debt collector and they brought my debt from another company, so that means they are buying my infromation from the dark web, i guess. why are they buying my info thats why my information keeps getting breached!! how is that legal? im in and out of the hospital and they out here saying im getting arrested for them buying my SSN illegally
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$3400.00} CONN CREDIT CORP XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding inaccurate information on my credit report being reported by Experian. Their report contains inaccurate names, social security numbers, addresses and old accounts that were closed and are being shown as open. Certain accounts are from XX/XX/XXXX and were paid and closed in XX/XX/XXXX. I've disputed the inaccuracies before they have not corrected the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to discuss a negative report on my credit due to missed payment. I spoke with a representative who reported that the entirety of my balance was reported to the credit bureau and that the account is no longer in collections and that the report to the credit agency will remain in place for XXXX years. I have consistently paid this card and all other balances with a XXXX XXXX payment history for all accounts and did not receive any contact from the bank until XX/XX/XXXX. I immediately paid on the balance and made a total on {$1600.00} toward the card. I received a letter in the mail stating a past due balance of {$330.00}. However, I was told that the reported balance to collections was {$6600.00} and XXXX would make no attempts to resolve the issue with reporting to the credit bureau. I have been dealing with documented XXXX XXXX for the past year and been on restricted income since the end of XXXX, however, I have been consistent in keeping my payments to all accounts. I believe that the delay in action to contact me and the comments made by the representative of XXXX are in direct conflict with fair and equal credit reporting and consumer assistance.
Product: Prepaid card

I am on XXXX Unemployment even though I live in XXXX XXXX because that is where I worked I have had this money network card since XXXX of 2024 in XXXX of 2024 that was the first fraudulent charge made by this company somewhere in XXXX XXXX XXXXXXXX now this morning XX/XX/year> I go to take my money off the card and the same amount was fraudulently taken somewhere in XXXX XXXX XXXX for {$340.00} leaving me {$7.00} in my account! 

It is crazy to me that this is the second time in less than two and a half months with this company hundreds of miles of way directly after my unemployment benefits are deposited that it is withdrawn for almost everything that is in there it's disgusting it's unacceptable and even the representative XXXX I spoke to this morning while filing a dispute and getting the information to apply for a provisional credit state it this has been happening to thousands of people every month with these money network cards you can not tell me that the company is unaware you can not tell me that somebody in this company is not helping access customers accounts! 

My unemployment was deposited XX/XX/year> at XXXX XXXX {$340.00} was taken off of my card at XXXXXXXX XXXX. on XX/XX/year> XXXX it is freaking impossible for me to get from where I live to wherever this XXXXXXXX XXXX is in XXXXXXXX XXXX XXXX which is hundreds of miles from me to make a withdrawal within minutes of my deposit being made. I want a full refund of my money that I worked hard for that I earned and I used to support myself as a single father and my XXXX small children {$340.00} and {$10.00} fee I had to pay for a third new debit card because you have scammers working for your company! 

If you go on the XXXX and XXXX reviews for Money Network and my banking direct which is through the XXXX  government unemployment program you can see thousands of reviews of this happening every single month to people who receive some form of government benefits it's unacceptable and absolutely disgusting I will not stop making reviews until I receive my funds and my new card ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Nelnet, XXXX, XXXX, and XXXX countless times in an effort to have Nelnet properly furnish my student loan accounts to the three major bureaus but have not had any success. Nelnet continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from Great  Lakes, yet only XXXX is properly reporting my accounts. XXXX and XXXX both say they have not received anything from Nelnet while Nelnet supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and XXXX still do not show my accounts. 

Per a Nelnet supervisor, I provided screenshots of my credit report showing only a single Great Lakes account and no Nelnet accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the Great Lakes to Nelnet transfer, I need my Nelnet student loans to be reported to the bureaus ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/year>2024 XXXX XX/XX/XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I am submitting this cease and desist request in response to violations of my rights by the collection agencies listed below under the Fair Credit Billing Act ( 15 USC 1666 ) and the Fair Credit Reporting Act ( 15 USC 1681 ). I believe these violations have impacted my financial well-being and request immediate intervention.

Under 15 USC 1666, I am entitled to dispute billing errors, and collection agencies listed below has consistently failed to investigate and verify the debt they claim I owe. Despite my attempts to dispute this debt, they have continued their collection efforts without providing the necessary validation, thereby violating federal law. 

Furthermore, in violation of 15 USC 1681, this collection agency has reported inaccurate and unverified information to credit reporting agencies. These actions harmfully affect my credit standing and are in direct contravention of my rights to accurate and fair reporting. 

Collection Agencies : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX potentially negative months Date opened XX/XX/XXXX Open/closed Closed Status Closed.
Product: Debt collection

On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. 
I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection Act.