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

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Report XXXX XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : TransUnion : 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have made several attempts to notify this company as well as the original creditor that I have paid this debt and advised apartment employees at the time of when this would be paid. It has been 2 years and I reviewed my credit report and became aware of the balance on the account and my account being placed in collections. I have requested a copy of my lease from XXXX ( XXXX ) because of Identity Theft and a broken lease that was placed on my credit at the time I lived there, I have not received it nor has there been any correspondence. I have called several times over several months to address the lease, and after being made aware of the balance I am being accused of owing I have attempted to get this resolved and have not heard anything back. I have attempted to contact corporate, XXXX XXXX, the collection agency Hunter Warfield, now here I am. This debt was paid XX/XX/2015 and was roughly {$1400.00}. I am really tired of all of the false promises that have been made with hopes that I would be assisted, and have not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 instructions. 


XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/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 XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public record reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 instructions.
Product: Credit reporting or other personal consumer reports

BMO has persistently recorded this fraudulent activity on my credit report. This has been an ongoing issue for over 2 years now. Before this unauthorized use of my card information by the transportation company, I encountered no problems. It is evident that this is a case of fraud, and legal action has been taken against the transportation company and all parties involved. Upon reviewing the payment history of this account, BMO will see that the issue arose when the transportation company gained access to my card details. I have submitted all necessary documentation over the years to demonstrate that I should not be held responsible for this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

An impersonator got hold of my SSN and opened a new credit card line with XXXX. The card was is a XXXX XXXX store credit card. It showed up in my credit report and Ive tried to contact the bank and XXXX to get that account out of my credit report. Despite repeated attempts nothing happened. 

Surprisingly, the impersonator was making all the payments until they stopped making them. XXXX reduced the credit limit on the line and now the card is balance exceeds the credit limit and payments are not coming in which is making my credit score go very low.
Product: Debt collection

This debt was paid in full and needs to be removed and deleted due to inaccuatacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX  XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report this morning without explanation. I routinely check my credit report, but this time there were unexpected discrepancies. Refreshing my browser didn't fix the issue. Please review the documents I've sent thoroughly to resolve this so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX. of XXXX Ny illegally obtained my credit report under false pretenses resulting in a hard inquiry to my credit report. They used the excuse for obtaining report as child support than proceeded to send me a letter in XX/XX/XXXX that they were going to have my accounts frozen. When I went into office in XX/XX/XXXX with the letter, I did not know they had already ran the report without my knowledge or permission. I do in fact have an old medical bill from when I was a child that my parents paid up until my mothers death when they came after me for payment. By the time they MADE me responsible for the bill the interest had raised the bill to over {$10000.00}. I now have the remaining balance down to {$4400.00} on this day. There was a judgement against me for this which has been lifted since I have been faithfully paying and the time has expired. I have been in the process of buying a home and this hard inquiry came up. When I went into the office XXXX first told me it was a mistake and it will be fixed. Within the hour I went back for further information about the hard inquiry. Than a Mr.XXXX   tells me while holding the proof in his hand in email form of said credit report inquiry that, they did not do that than he goes on to tell me, we can do whatever we want, and have a nice day. I have not contacted or spoke to anyone in the office since the day nor had they tried to contact me.
Product: Money transfer, virtual currency, or money service

Paypal has decided to limit by account. They have sent many messages stating that they might " steal '' my money claiming they are damages to their company. Also in the same message they are stating that after 180 days they will release my money. This is a contradiction. it has already been over 150 days since my account was limited. If there were any " real '' damages, paypal would have had to time to show proof of this. Since the full amount of my funds are still in my account in the amount of {$1900.00} USD, Paypal can clearly see that there have been zero damages to their business. All items have been sent on time to my XXXX buyers. All my products are legal and I have invoice for each of them from my ebay sales from XX/XX/2020. I am requesting the funds be made available for withdrawal as there is no purpose of Paypal holding these funds any longer, other than for Paypal to " gain interest '' investing my money which they should not have the right to do, considering all my sales are from fully legal products, which I can prove. Paypal blocked any way of communicating with them after they limited my account and I have sent repeated emails asking the date I would be able to withdraw my funds with no response from them.
Product: Checking or savings account

on XX/XX/2023. I received an email from Capital one, stating a checking and a savings account ( Fraudulent ) were opened under my name. I contacted the company, and the accounts were closed and flagged.
Product: Student loan

i graduated in XXXX with multiple student loans totaling $ XXXX. Also due to being a full time XXXX XXXX i also accrued about {$7000.00} in credit card dept. since the time of graduation i have attempted to inform PHEAA multiple times that i cant afford the cost of repayment that the company was asking. PHEAA also quit sending my payment by mail about two years ago. when questioned last month about why they told me that they have been sending via email and that they did not have to send me notices at all it was just a courtesy. they were sending notices via email with i never signed up for. PHEAA is unwilling to work with me and has now placed my loans in default. i signed up for the public service repayment program. this program is not only a unfunny joke but is detrimental to the public servants it takes advantage of. 
i have been trying to figure out how the XXXX this is a loan forgiveness program when they wanted me to pay {$160.00} a month for the next 10 years lets do the math ( XXXX*12 ) =XXXX*10= {$19000.00} are you kidding me. i could have paid this loan off over the last five years and paid less in interest and for the loan period. i also understand that Massachusetts AG has filed suit against this very company for taking advantage of people that only want to help people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are corrected. 
XXXX XXXX Balance Owed : {$2100.00} - Charge-off XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX ( Original Creditor:01 XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX  ( Original Creditor:01 XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Original CreditorXXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$530.00} XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX Balance OwedXXXXXXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Mortgage

Guaranteed Rate Inc. continues to report my account as delinquent despite claiming in complaint id number XXXX XXXX that the matter has been corrected. 

Guaranteed Rate Inc. has not corrected the interest I am being charged. They merely credited my account with 2 payments in XXXX ( rather than applying the payment they lost in XXXX when it was made ) and they removed all the late fees they had been charging. Had the payment been applied in XXXX when it was made I would have been charged less interest.
Product: Mortgage

Hello XXXX XXXX and PRMI team, ATTENTION : FINAL ATTEMPT TO CURE Attached is further evidence of the contract breach on behalf of PRMI for your review. 
Unendorsed original Note Altered Note later endorsed to a Party not named in the contract My original FHA XXXX was never endorsed to my original Lender Primary Residential Mortgage Inc as payee. I discovered that my FHA Note was later directly endorsed to XXXX XXXX XXXX XXXX XXXX Mortgage as " payee '' without there being a transfer or XXXX XXXX XXXX XXXX XXXX Mortgage ever being named a PARTY in the contract. I do understand the Lender can TRANSFER the Note but in this scenario the Note was directly endorsed to XXXX XXXX XXXX XXXX XXXX Mortgage as " XXXX '' and was NOT TRANSFERRED. Primary Residential Mortgage Inc did not Blank endorse the Note or transfer the Note to XXXX XXXX XXXX XXXX Mortgage therefore there is a Breach in Contract. 

The Breach has been proven on several occurrences with Evidence. I implore you to work with me for the continued prosperity of your company. I look forward to hearing from you by XX/XX/year> with my orders delivered regarding DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : SYNCB/AMAZON XXXX XXXX Date of Inquiry : XX/XX/XXXX and XXXX, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize Synchrony Bank or XXXX to pull my XXXX credit report.
Product: Credit reporting or other personal consumer reports

n 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a letter to this XXXX and XXXX company, and its showing I have a active account and I have been late paying. I do not have a credit card with them. Its been open and saying I have a credit limit and I dont when I call they hang up. XXXX XXXXXXXX XXXX XXXX XXXX is reporting a open credit card as in usage since 2021. 

XXXX XXXX are closing one account from one report and allowing it to show open on TransUnion Under the Truth in Lending Act ( TILA ), creditors are obligated to ensure that the information they report to credit bureaus is accurate and based on a thorough and fair investigation. If your company has admitted that an investigation into my account was performed, TILA requires that the methods used and the results of this investigation be fully disclosed to me.

The purpose of TILA is to promote the informed use of credit by requiring meaningful disclosure of credit terms and the accuracy of credit-related information. When an investigation is conducted, it is essential that the creditor verifies all relevant payment methods, account balances, and any other pertinent information. This ensures that the information being reported is accurate and not misleading. 

As a consumer, I am entitled to receive a detailed explanation of the investigation process, including : The Methods Used in the Investigation : A description of the steps taken to verify the accuracy of the account information, including any documents or records reviewed.

Verification of Payment Methods and Balances : Confirmation that all payment methods and balances have been accurately verified, along with any discrepancies found during the investigation. 

Results of the Investigation : A clear and concise summary of the findings, including whether the reported information is accurate or requires correction. 

Failing to provide this information would be a violation of TILA, as it denies me the right to fully understand and challenge the accuracy of the information being reported on my credit file. Therefore, I request that your company provide a detailed account of the investigation, including the method and verification process, within the specified time frame.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX  - XXXX, XXXX  - XXXX and XXXX XXXX XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.