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

I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified Equifax and XXXX about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax and XXXX. I sent a total of XXXX certified letters advising them of my request for correction and removal. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place. So who is actually in the wrong here? The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed.
Product: Debt collection

The company XXXX XXXX DBA GENESIS XXXX listed here is trying to collect Over {$21000.00}. From a lease In Washington That I have no knowledge of I was sent over XXXX fake leases from this company, and they have reported this on my XXXX and XXXX report. this is a fraud account and will like this removed from my all-credit reports.
Product: Debt collection

I have tried to call most recent XX/XX/XXXX and was waiting for XXXX mins so I have chatted twice now. Most recent today XX/XX/XXXX and was told they cant settle my debt as there are no account managers in the U.S. and that they were having a hard time finding my debt and I would have to call a different number. 

Ive gotten an insane amount of mail but there is no one in the U.S that can settle my debt per the two people I chatted online with stated.
Product: Credit card

The issue is causing me significant XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Mortgage

We are demanding a cease and desist to Nationstar, and its trustees. Nationstar has our home scheduled to be soled on the XXXX of this month without cause. Nationstar is violating guidelines and regulations regarding this action. Nationstar has unlawfully filed a notice of foreclosure in XXXX of 2016. We were granted a modification on XXXX 2016, with a payment of {$1600.00} for months 6,7 and 8. After that a permanent mod was given with a payment of {$1600.00}. Final docs were signed on XXXX 2016 with a new permanent mod payment of {$1600.00}. After that when we sent in our payments, to a contract we signed, and the bank agreed to, the bank refused the payments and stated our mortgage payment would be higher even yet. This was completely unlawful and in opposition to the contract signed. We refused to pay a " bate and switch '' new payment that was higher than the one agreed to by contract. The bank continued to refuse payment, creating the past due on purpose, then filing a notice of default, when we were not in default, rather they were in violation to the agreed upon contract, causing great harm and distress to our family. I faxed them a request and explanation for the correction, which never happened. Later, in XXXX/16 I received a annual escrow account disclosure statement telling me our payment was now going to be LOWERED to {$1600.00}. yet the payment continued to be refused stating the payment was not enough. The next day I got a statement to pay the {$1600.00}, which, as previously stated was refused by the bank. On XXXX/16, one day later I got a letter from the bank stating we were 30 days behind and they sent us letters to that effect, which is a lie, no other letters were sent other than the ones described above simply stating continually changing payments that were all incorrect XXXX not according to our contract. The VIOLATIONS OF GUIDELINES AND REGULATIONS CONTINUED, as they put us into foreclosure for no reason, the wrong doing is COMPLETELY THEIRS, NOT OURS. The very next day, XXXX/16 we get yet another letter now telling us we owe {$49000.00} and {$1500.00}. We have faxed over demands to explain these actions, and violations and to restore this modified loan to its correct, original amount that was lowered to XXXX. This request, then demand was forwarded to Nationstar XXXX different times, with no response at any time. I found our we were in foreclosure by a friend telling us, an no notices were sent to us, and no posting on the door at any time, which is required by law. Please make sure this sale is stopped and the bank held accountable for this intentional action to harm my family with this illegal foreclosure. Please contact my third party representative, my administrative assistant ( non legal ), who will make sure we get the information and we will get back to you. This information is as follows : XXXX is her name, her address is XXXX, Ca. XXXX, and her phone number is XXXX, as was the request given to the bank also, by fax, with no response at any time. WE DEMAND THIS SALE BE STOPED UNTIL THIS ISSUE IS RESOLVED.
Product: Payday loan, title loan, or personal loan

Looking at purchasing a XXXX for ~ {$3000.00} via their website. They offered financing via TD Bank. The terms seemed good so I decided to finance it. 

Received a letter that I was denied credit. The same letter listed my credit score as XXXX out of XXXX. 

I checked my credit to see if something was amiss. It wasn't. The company clearly checked my credit. 

I followed up with TD Bank. They then sent another letter saying they were unable to verify my identity. 

I have worked for over 25 years, own two homes, and recently paid off a vehicle. There is no reason to deny my credit. The offer of financing seems like a scam. 

Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to TransUnion multiple times since XX/XX/XXXX. On XX/XX/XXXX someone fraudulently applied for a credit card in my name through XXXX XXXX. I contacted XXXX  XXXX and they contacted TransUnion and TransUnion sent me a letter on XX/XX/XXXX saying that XXXX XXXX had contacted them and they had removed the fraudulent inquiries from my account. I had also contacted TransUnion at the same time asking to have incorrect/fraudulent names and addresses removed. Last week I got a letter from TransUnion dated XX/XX/XXXX with a canned 2 sentences as the letter and an updated copy of my credit report SHOWING THE FRAUDULENT INQUIRIES FROM XX/XX/XXXX. This report also still contains inaccurate names and addresses. After receiving this letter, the first thing I did was go to XXXXXXXX XXXX XXXX to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before ( and I absolutely can use it for XXXX and XXXX ), when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been removed and it hasnt, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ XXXX. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I then created a new account. When you look at the information on the credit report obtained from this TransUnion website ( that I had to pay { {$25.00} } to see ), you will see that the names on this online report dont even match the names that were reported in the hard copy report they sent to me. There are incorrect names in both, but they dont even match. Also the online report does not contain the fraudulent address that is reported in the hard copy. Furthermore, the online report seems to be showing that the XXXX XXXX inquiries were removed. I have gotten to the point where I have absolutely no faith that TransUnion has any idea what they are doing. I have multiple reports from TransUnion that dont even match. I have a letter dated XXXX from TransUnion saying that they would remove fraudulent inquiries and then they sent me an updated credit report on XX/XX/XXXX with the fraudulent inquiries still on the report. None of their website tools even work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through XXXX on XXXX XX/XX/2021 to dispute the currently three late payments from two Capital One accounts among another account. Instead they just closed the account and Capital One has declined my request however, the other has approved. All three accounts are under a credit counseling program and I have made my payments per month as agreed by Capital One. One account was agreed for {$35.00} a month, and the other was agreed for {$87.00} a month. I don't feel it's fair for the consumers to have to go back and forth with the merchants and battle the situation out with them when there's nothing to argue about, so I refuse to. The dispute with XXXX should have taken care of that. Today is the XXXX, so essentially they took no time or consideration to look at the facts or their own document they had agreed to, which I sent in along with my dispute.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. I want these items deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I was affected by the Equifax data breach. Dates ranging back from XXXX to XXXX. Amounts totaling up to XXXX. My information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit report effectively XXXX attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax hasnt done anything. Please help me delete all of these illegal negative accounts in which I was effective. All three Credit Bureaus include Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX ONEMAIN [ NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

This is in regards to the TD Auto Finance debt listed on my credit report with XXXX. I have disputed this collection numerous times, provided definitive documentation to XXXX, and XXXX has refused to removed this account from my credit report. As you will see in the documentation provide to me from TD Auto, the original delinquency date on this account is XX/XX/XXXX. For some reason, XXXX keeps sending me information saying it was XX/XX/XXXX which is inaccurate. My account went into collections on XX/XX/XXXX and was charged off on XX/XX/XXXX. Per FCRA guidelines, we are now at either 7 years and 6 months from the 1st delinquency date or 7 years and 2 months from the charge off date. Either of these are passed the allotted time. Please have this account removed from my credit as it has already made me delay the closing on my new home once and now I have additional interest to pay. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  XXXX {$490.00}, {$1600.00}, XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXX  {$2100.00},
Product: Credit reporting or other personal consumer reports

Experian has inaccurately reported several accounts on my credit report, violating the Fair Credit Reporting Act ( 15 U.S.C. XXXX, XXXX, XXXX ( b ), and XXXX ( XXXX ) ). These accounts, including XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX were identified as inaccurate upon my review on XX/XX/2024. Experian has failed to ensure maximum possible accuracy, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Checking or savings account

Attention : Consumer finance prtection buraeu ref case no XXXX captalOne bank I wrote to your office several times But proper attention has not been Taken. 
Per responce I read by the bank, it Points that they are not aware of The issue having a letter clearly Stated that there was a short Balance amounting {$28000.00} Within 2 years window period. 
With transactions withdrawal at XXXX and uae. 
What I made out of my complaint Is as follows : I made a purchase XXXX  XXXX XXXX of merchandise At XXXX mall, XXXX XXXX XXXX But capital one first declined of The purchase cancellation and book Was not adjusted on time but finally Agreed which primarly has no knowledge And the mall made a cash refund arrangement After both party duscussed, may be to be safe Legally.

So my inferance is that if ever federal Inspector General Audit my book and Other lower citizen, one can Proof the bank has taken cash advantage So please research and refund My short balance B ) please take legal action via Civil suit firm. 
Thanks XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, va XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are listed on my report that don't belong to me and I have already contacted companies. 

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: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request your assistance in resolving an issue with an unauthorized inquiry on my TransUnion credit report. Upon reviewing my report, I noticed the following hard inquiry that I did not authorize : XXXXXXXX XXXX XXXX  XX/XX/year> I did not grant permission for this inquiry, nor did I apply for credit with this entity. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify that a permissible purpose exists for this inquiry. I have contacted TransUnion to dispute this matter and requested documentation proving my authorization. However, TransUnion has not provided a satisfactory response or resolved this issue. 

This unauthorized inquiry is negatively impacting my credit profile, and I am requesting the CFPBs assistance to ensure TransUnion conducts a proper investigation. If the inquiry can not be verified with evidence of my authorization, I respectfully request its removal from my credit report. 

I have included supporting documents, including my identification, a copy of my social security number, a IDTheftReport ( FTCreport ) and a proof of address, to assist with your investigation. Please let me know if any additional information is required. 

Thank you for your attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy my first home and i realized there were damages on my credit report. According to 15 U.S.C 1681 law there should not be any damages on my credit report, because that is a defamation of my character. I have tried to reach out to the creditor myself with emails and letters I was told my the creditor to " JUST FILE A DISPUTE AND IT WILL BE FIXED '' Well i did just that and they did not send any proof asked in the dispute and they did not fix anything on my credit report. I have been going back and forth with this company for 2 years. The ACCOUNT CLOSED DATE is reporting as XX/XX/XXXX which is INACCURATE. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX. Attached is the original copy of the agreement letter from XXXX XXXX and the receipt paid on XX/XX/XXXX. This also makes the status of this account incorrect.