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

I am writing to formally dispute multiple unauthorized credit inquiries that were reported on my credit file on XX/XX/XXXX. Upon reviewing my credit reports from your agency, I discovered that several hard inquiries were made without my knowledge or explicit consent. This constitutes a violation of my rights under Section 60810, which mandates that credit reporting agencies maintain accurate information and ensure that consumer reports are free from unauthorized actions.

As a federally protected consumer, I'm aware that's you've assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which you've infringed upon without my lawful consent. Pursuant to 15 USC 1681, it is the purpose of the Fair Credit Reporting Act to ensure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer!

Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

Your actions do not only violate the Fair Credit Reporting Act but it also violates the Gramm Leach Bliley Act! Pursuant to 15 USC 6802, I've NEVER gave you or your nonaffiliated 3rd parties listed in this letter any form of lawful consent to share my nonpublic personal information! I'm ordering you to Cease and Desist your illegal actions! This constitutes as aggravated identity theft for knowingly and willfully using my information without my lawful consent or any lawful authority pursuant to 18 USC 1028A!

Pursuant to 15 USC 1681c-2, Federal Law states that no later than 4 business days after receipt of this notice, you shall block the reporting of the identified information provided. Therefore, pursuant to 15 USC 1681b ( a ) ( 2 ) in accordance with my written instructions, my demands are as followed : As of XX/XX/XXXX, I noticed that the following unauthorized inquiries were made on my credit file : ONEMAIN ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX ONEMAIN ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX ONEMAIN ( Finance ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re : Request for Deletion of Settlement from Credit Report Account Number : XXXX ( XXXX XXXX ) Dear Sir/Madam, I am writing to formally dispute the accuracy of the settlement payment reflected on my credit report for the above-referenced XXXX XXXX account ( Account Number XXXX XXXX ). I respectfully request that this entry be deleted from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Upon reviewing my credit file, I have identified that the settlement payment for this account is negatively affecting my credit score and inaccurately reflects my financial standing. Under U.S. law, I am entitled to a fair and accurate credit report. Given that the settlement payment has been made in full, I believe this entry is no longer a reflection of my current financial situation. 
Please be advised that I am exercising my rights under the Fair Credit Reporting Act, which requires that all information on my credit report be accurate, complete, and verifiable. The settlement payment made to XXXX XXXX has been satisfied, and I request that this entry be removed from my credit report. I would also like to remind you that according to the FCRA, negative information should only remain on my credit report for a limited period, and I believe this settlement has exceeded the appropriate duration. 
As such, I am requesting that you conduct a thorough investigation into this matter, and based on the outcome of your investigation, please delete any reference to this settlement from my credit re-port. 
Please confirm receipt of this letter and provide me with written notification of the results of your investigation and any actions taken. 
Thank you for your prompt attention to this matter.
Product: Debt collection

palisades collections llc has illegally had a judgment filed against me in the amount of {$1300.00} from XX/XX/2010 which is a violation to Indiana statue of limitations of 6 years to pursue a collection. ive been a victim of identity theft multiple times including this one which is why i asked for the original document showing my signature of any loan agreement with the original creditor which they refused to send me and continued to break the law and pursue this legally. Palisades practices illegal attempts to bully and harass people into debt they do not owe and refuses to show legal proof of the original debt when requested. This company is not even BBB certified and has multiple complaints against them due to their illegal scare tactics to collect debt that is not owed and can not verify. I have the documents they submitted DO NOT BELONG TO ME, they refuse to submit the original contract with my signature showing proof this debt is valid nor have i EVER lived at the address listed below on the document. Furthermore I have never been notified nor served by this company or made a payment on any debt which makes their previous response to this complaint a complete LIE. WHICH I HAVE ALSO PROVEDE BELOW SO THEY CANT TRY TO RESUBMIT THE SAME FAKE DOCUMENTS. SUBMIT THE DOCUMENTS I REQUESTED WHICH IS MY SIGNATURE ON THE ORIGNAL CONTRACT TO THIS DEBT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX   XXXX {$930.00} DPT EDXXXX XXXX {$5400.00} DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$5600.00} DPT ED/XXXX XXXX {$4500.00} DPTXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$4800.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX {$8700.00} XXXX XXXX {$15000.00} XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX   XXXX {$2100.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX {$12000.00} DPT EDXXXX XXXX {$3400.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$2400.00} DPT EDXXXX XXXX {$7100.00} XXXX  XXXX {$1400.00}
Product: Debt collection

Theres been a collection attached to my credit that I have no knowledge about. Ive been trying to figure out what this is and I cant get any information on it. As of what I know I dont owe anyone nor have I defaulted on any payments Ive had
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account was fraudulently opened with XXXX XXXX XXXX XXXX with a balance of {$670.00}. Experian Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX XXXX XXXX  on my credit report as a collection account, and it is an duplicate account furthering the inaccuracy. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) I have no knowledge of this account and I have continually disputed this account and Experian fails to verify accuracy of this account. Experian Credit Bureau Continues to violate my consumer rights by reporting this account on my credit report. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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: Checking or savings account

XX/XX/XXXX I called into Navy federal because I had XXXX overdraft fees eventhough I had the money in the account. Lady told me I was not me even though verifying everything and blocked my account. I called back in and next lady gave me information in my account but again stated I was not be and blocked my account and told me I had to go to the branch. I again called a XXXX time. Person I spoke with again gave me information from my account and when she couldnt answer why the money didnt come out told me I was not me and blocked my account. I had to drive XXXX minutes to navy federal to sit in there an hour trying to figure out why my account was locked. The XXXX XXXX wrote in the notes that I got verification wrong when I gave them the same information at the bank. They told me they would reverse my XXXX fees and still havent. Its now XX/XX/XXXX and I just now got access to my account. Its not showing me my funds that was suppose to get deposited to my bank. Im missing money from my checking and credit card account which they can not explain.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts [ XXXX XXXX - Account # XXXX ], [ XXXX XXXX - Account # XXXX ], [ XXXX - Account # XXXX ]XXXX XXXX XXXX  - Account # XXXX ], [ XXXXXXXX XXXX Account # XXXX ], [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account # XXXX ], [ XXXX- Account # XXXX ], are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Credit reporting

A court judgment has been reported incorrectly with all three of the major credit report companys. I was reported as being the Defendant where as I was the Plaintiff and that judgement was against me where as it was actually for me.
Product: Checking or savings account

XXXX Here is my previous case number thats been closed. And I have since not received any verification letter to gain access to my account. So its now been 1 month since my account has been closed and citi has claimed to sent 2 letters out. How can this be legal? I have funds in this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from XXXX saying they need more info. I never filled out for XXXX XXXX This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Product: Credit reporting or other personal consumer reports

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$XXXX}
Product: Checking or savings account

Savgs act opened in XXXX was abruptly closed in XX/XX/XXXX without notification. Bank sent us check for XXXX balance. Check lists our children as trustees. We did not remember listing them as trustees and 37 years later do not want them as trustees. We can't cash or deposit this check. Even bank of America won't cash or deposit. We have been putting money in this account for 37 years and now account abruptly closed without notification and no way to cash check bank sent us.. XXXX XXXX client advocate in  bank of America office of the president on case # XXXX told us to XXXX XXXX the check to their XXXX XXXX by mail location. Cost me XXXX. But check returned to us " unable to deposit ''. Now XXXX no longer returns our phone calls.
Product: Debt collection

Never recieved notice of debt. Never receive communication that debt was opened in XXXX of 2014, checked my credit Report and this debt was reporting
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXXXXXX XXXX- XXXX {$470.00} -XXXX XXXX XXXX- XXXX {$550.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1000.00} PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( 14 ) -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 XXXXXXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

XXXX has been sent out multiple times from XXXX to Experian to reinvestigate. Company never followed up with letter response or email response of reinvestigation. I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds in XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation.
Product: Debt collection

There is a medical bill that is reporting on my credit file showing it opened in XX/XX/2020 with XXXX XXXX  XXXX XXXX XXXX. I have not had services with them in almost 7 years. They need to stop reporting this as being new because that is NOT THE CASE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am again asking for your help to REMOVED this charge off account on my credit file thatcame about because this inaccurate information still continuing reporting on my file yet thisaccount passed on that should be taken out or needs to remove. Per FCRA segment XXXX are expected to eliminate this charge off account that have been still recorded on myfile. I've proactively remembered this report for a past letter and I am including it once more.I 've educated my lawyer regarding my aims and they are eager to consider your responsiblefor your tenacious rebelliousness. XXXX XXXX XXXX : {$0.00} - This account was showing an inaccurate payment history and paymentstatus.This should show a XXXX balance. This inaccurate information continues to do harm tomy credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Student loan

My ex boyfriend took out a student loan and used my personal information to cosign on an education loan for Sallie Mae. He used my social security number, salary and employment information to take out the loan. The suspect had access to personal information since we lived together for 8 years. The loan was taken out around XX/XX/XXXX and XXXX to enroll in XXXX college in XXXX. The loan amount totaled around XXXX. I was unaware of this loan until I checked my credit report. I have tried several times to get in contact with the company regarding the loan. They stated that the account is valid because there was an electronic signature from two different computers on the loan ( XX/XX/XXXX conversation with Navient/Sallie Mae ). I submitted evidence to the XXXX police station that proved the loan was submitted fraudulently along with an FTC affidavit to Sallie Mae. They requested that text messages be sent to them to prove that this was not my loan. I stated that the evidence was already submitted to the police and a report was filed. Sallie Mae/Navient investigator " XXXX '' stated that they sent correspondence asking for a photocopy of my ID to verify my identity but I explained that I never received such a request. He also stated that since I didn't respond with a photocopy ID within 30 days, the investigation was closed. I have disputed this account with the three credit bureaus along with documentation that supports my claim that this is not my account. Sallie Mae refuses to remove this fraudulent account from my credit report despite receiving appropriate evidence that supports my claim.
Product: Mortgage

Bank of America has not responded to our XX/XX/XXXX complaint. Bank of America sent a letter directing us to contact someone identified as their attorney XXXX XXXX XXXX. When we reached out to XXXX XXXX he directed us back to Bank of America. We have not received a response to our XX/XX/XXXX complaint. 

In addition, Bank of America was informed on multiple occasions that we only authorized paper communications ( not electronic ) regarding this Mortgage account. Bank of America has subsequently refused to send us paper statements for XX/XX/XXXX and XX/XX/XXXX. We believe this is retaliation for filing these complaints. 

In addition, Bank of America sent a letter ( dated XX/XX/XXXX ) to us stating that approximately {$210000.00} was added to our home loan ( of which we learned about in or about XX/XX/XXXX ) because of arrearages. Apparently this is supposed to have occurred after Bank of America entered into Predatory Lending Settlement Agreements with California and the Feds. Bank of America has provided nothing to support its arrearage claim. 

Bank of America indicates that this arrearage of {$210000.00} occurred between XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified to XXXX, Experian, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX  and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXXTo later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous and believed to malicious to tarnish my credit history as retaliation for filing bankruptcy.This file has yet to be updated properly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX  # XXXX, has violated my rights. Account XXXX XXXX  # XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXX XXXX # XXXX, has violated my rights. Account XXXX XXXX # XXXX, has violated my rights. Account XXXX XXXX  # XXXX, has violated my rights. 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 an account without my written instruction.