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

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that someone applied for credit using my social security number and added and unknown address to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Dear Credit Bureau, I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit Terms. 

XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with XXXX XXXX XXXX XXXX on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. Experian and XXXX stated to me the account was removed and then reinserted back on by the DATA Furnisher. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the Account of XXXX XXXX with XXXX more than 4 times requesting to see verification that I owe this debt. They have failed to do so. All that I receive back from them is a credit report that shows validated. To my knowledge I have never opened an account with XXXX XXXX and I would like for XXXX to validate this account with a person and out the use of XXXX   or any other automated validation systems and validate that they have the original signed contract for this account. 

XXXX has violated my rights because they have not produced a signed contract or any other contractual obligation that binds me to pay XXXX XXXX. The misreporting of this account is affecting my quality of life because I am not able to attain credit due to the severity of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.
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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Mortgage

I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with SALLIE MAE. I never gave this company permission to send me a bill or state that I owe any amount. At some point SALLIE MAE gave my information to NAVIENT/ DEPARTMENT OF EDUCATION which was a violation of my right to privacy as a consumer. Pursuant to 15 USC 1692b ( 2 ) a debt collector can not state that a consumer owes any debt but, now I have been receiving bills monthly stating that I owe on these alleged debts. I know that no loan was actually given because no bank can legally loan any money and they can not originate credit, just extend our own credit back to us. In all the bills sent to me and supposedly contracts their are several TRUTH IN LENDING violations, as well as FDCPA violation which have been marked on the attached exhibits.
Product: Money transfer, virtual currency, or money service

We want all monies reported to be refunded All illegal transaction by cashapp allowing anybody to take money and not being abkke to speak to someone. No refunds for loses. all other illegal rasactions with contact being made to cashapp.
Product: Credit reporting

These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.
Product: Checking or savings account

Bank PEDFED closed the account of my deceased father to which I'm stated as the Beneficiary. I've talked to 3 different agents, 1 in person, and 2 over the phone. 2 of them tell me that the account was closed by my stepmother and funds were withdrawn on XX/XX/XXXX. In XXXX of XXXX, I went to a branch to let them know that my father had passed, and he had me named as a beneficiary on the account but was told that I was NOT named on the account and that my stepmother had already notified them and if I wanted to know more about the account I'd have to go through probate. 

Probate was completed this year and I'd gotten access to some of my father 's property, in that property was an old bank statement that showed me as the beneficiary of the account. on XX/XX/XXXX I took that statement to the local branch ( XXXX XXXX, TX ), and talked to an agent who escalated to her boss XXXX XXXX. Both of these PENFED employees said that the money was withdrawn on XX/XX/XXXX by my stepmother. XXXX XXXX stated that she should not have been able to withdraw the money because she was not on the account. I've asked how this was possible when she was not listed on the account and I was listed as the Beneficiary. I know that she shouldn't have been able to remove funds because I tried at 2 other banks XXXX XXXX, and XXXX XXXX XXXX. XXXX said that he would send all the information to the estates department and I should hear from them. At that time he took copies of the death certificate and my letter of Testamentary, which he said that he'd send to the estate department. 

I called PENFED 's customer service line on XX/XX/XXXX because I hadn't heard from anyone. I was again told that I needed to send them a copy of the letter of testament because I was not on the account. I had to point out that yes, I was named beneficiary on the account. The agent was able to figure that out and we reviewed the account. He too told me that the funds were withdrawn on XX/XX/XXXX but he wanted to do some research into how they were withdrawn and asked me to call back in a day or 2. 

I called back on XX/XX/XXXX and was again told that I needed to send in a letter of testament bt an agent named XXXX XXXX and she wouldn't be able to talk to me until the next day. I hung up and then realized that I was a named beneficiary so I called back and told my story to a new agent who transferred me to a supervisor who then told me that all the funds in this account were used to pay my father 's outstanding debts.
Product: Debt collection

Ive recently filed an complaint that was close. Which I feel it shouldnt have been. They appeared to have satisfied your requirements but not to me. I am still not convinced or have proper documents that I am required to owe any debt to the alleged current owner. I have no documentation that Resurgent is people Im to answer to due to the fact LVNV is listed as the current owner. Not Resurgent. I have yet to receive communication between the original creditor XXXX and LVNV as far as a signed documents between he two authorizing them to collect or documentation of them buying this debt let alone it being turned over to Resurgent. Also According to Resurgent they were authorized to collect on this as of Effective XX/XX/2021 ; as of this time LVNV Funding placed this account with them. How is this so when I have a document dated XX/XX/2021 saying this account was in hands of XXXX XXXX XXXX. There for it was supposedly in someones elses possession at time Resurgent is claiming possession. Therefore additional information is required bill of sale, receipt of sale. Signed documentation between original creditor and Resurgent stating that they are required to collect. On this.
Product: Credit reporting or other personal consumer reports

I was never late on the paid off account ALLY FINANCIAL, please show me documentation showing proof of transactions, showing I was late 4 times, to support your inaccurate reporting on my credit report. If you can not provide, please delete the late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. I have written the company three times to no avail.
Product: Credit reporting or other personal consumer reports

There is an error on my Chex Systems report. There is an unverified account that is reporting that is causing an issue with my banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit companies are not complying with their own policies in a timely manner.
Product: Debt collection

I contacted the company and told them someone is using my name and social and they said they would have the collection removed and they never complied. I even sent in documentation.
Product: Credit card

Last XXXX I booked a first class flight through American Express Travel. This was an XXXX XXXX flight from XXXX  to XXXX  XXXX from XX/XX/XXXX through XX/XX/XXXX for a value of {$1000.00}. I unfortunately was injured and was in the hospital for an entire month and was still too unhealthy to travel at the time of the flight and cancelled the flight fir a credit. This XXXX, the flight was set to expire and I was still unable to fly. Per the advice of American Express, I got XXXX XXXX XXXX and submitted to XXXX XXXX for either an extension or refund. I called American Express for status and a voicemail was left on my phone that I would receive a refund ( attached ). This refund never came through and after XXXX weeks of review, American Express denied the claim. I did not use the credit because the voicemail advised that I was to receive a refund and lost the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, I have sent letters dated XX/XX/XXXX and XX/XX/XXXX to Capital One as inquiry to old credit card debt with an offer to settle the old debt if they could prove I was the original debtor. 

To date, Capital One has only sent letters reporting charge off and last payment information for the old credit card accounts. 

I contend that Capital One is " re-aging '' my old credit card debt with intent to continually harm my credit. 

Capital One has not responded with acceptance or denial to settle debts that are being reported to the credit bureaus against me. 

In XX/XX/2018, I sent letters via certified mail to credit reporting agencies known as XXXX ( confirmed receipt XX/XX/XXXX ) ; XXXX ( confirmed receipt XX/XX/XXXX ) ; and XXXX ( confirmed receipt XX/XX/XXXX ) as disputes to Capital One and to request proof of original instruments of indebtedness. To date, the credit bureaus nor Capital One has sent copies as proof for the original instruments of indebtedness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX // XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX // XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX // XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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.A 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 which antedates the report by more than seven years. 15 U.S.C1681s-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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$11000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$4800.00} XXXX XXXX XXXX  XXXX BALANCED {$11000.00} XXXX XXXX XXXXXXXX BALANCED {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Contacted Equifax ( credit reporting company ) via mail to dispute a XXXX XXXX account that is in collections under company name, XXXX XXXX XXXX. I have NEVER had a XXXX account. 

XX/XX/XXXX - Equifax identified the information as accurate via XXXX. I was instructed to contact XXXX directly. 

XX/XX/XXXX - Contacted XXXX via phone. The representative would not provide information about the account. He only wanted to get personal information from me and instructed me to contacted Equifax. 

Submitted an online dispute form with Equifax, indicating that I had contacted XXXX. 

XX/XX/XXXX - Equifax, again, identified the information as accurate via XXXX. I was instructed, again, to contact XXXX directly.
Product: Vehicle loan or lease

My vehicle was total loss in XXXX. My Insurance paid out the vehicle to the finance company but still had an amount owed which the gap insurance I purchased from them should have covered. The gap insurance did not want to cover the rest of the amount which was about {$800.00}. XXXX My GAP contract has been cancelled without my authorization ) I was advised in the contract it states that we're interest not covered by gap insurance which was not disclosed to me at the time of purchase or when I filed the claim. I reviewed my gap insurance contract and I do not see that statement on there. I have called the finance company multiple times and no one can give me an answer on a why it's not covering if it doesn't state it on the contract they tell me to call different phone numbers which refer me back to the same line and no one can give me answers. I have also sent out a message through my inbox on my account and no one has responded and that been over a month when it states they would get back to me within 2 days. They are damaging my credit Now by saying my payments are late and reporting that to the credit bureau meanwhile they can not answer any of my questions.