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

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 XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the XXXX and XXXX. Because of the massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me that was listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. 

I have listed the items on the document attached.
Product: Credit reporting or other personal consumer reports

I went on my credit karma account on XX/XX/year> and i saw there were 6 collections that are not mine. I have no knowledge of them. they are not mine the companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never did business with these companies or signed any documents with them. I will also send the attachments of what i feel is inaccurate as I do not owe any of this.
Product: Credit reporting or other personal consumer reports

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Money transfer, virtual currency, or money service

I purchased a pair of headphones for XXXX $ I received a message that the item was out of stock and i would receive a refund in 10 to 21 days.I waited the days out and went to the domain of the page and it was compleatly deleted.No refund and no item.The business name was, XXXX.A provider on XXXX.
Product: Debt collection

this complaint is for trans union I want to dispute an error on my credit report. The agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {XXXX}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX  agreement, account services /XXXX a proof of residency.
Product: Credit reporting or other personal consumer reports

I have 3 different credit scores for each Bureau.Im a victim of identity theft.
Product: Checking or savings account

I, XXXX XXXX OPENED A SAVING ACCOUNT WITH CITIBANK ON XX/XX/2020!! THE ACCOUNT WAS FUNDED THROUGH AN EXTERNAL BANK!! IN ADDITION TO THE REQUESTED SAVING ACCOUNT, CITIBANK ADDED A CHECKING ACCOUNT WITHOUT MY AUTHORIZATION!! THIS ACTION BY CITIBANK, RESULTED IN A {$110.00} OVERDRAFT FEE FROM DAY! ( ONE ) XX/XX/2020, ON MY NON-REQUESTED CHECKING ACCOUNT!! SAVING ACCOUNT WAS FUNDED WITH XXXX!!
Product: Student loan

I have Parents Plus loans that we 're taken out between XXXX. Loans were at 8 % and 8.25 %. Started repayment in XX/XX/XXXX. Went into Chapter XXXX bankruptcy in XX/XX/XXXX. Servicer, Great Lakes, put loans into forbearance. In 2 years accumulated interest became an extra {$20000.00}. I was not aware that this would happen and was not told by the servicer. I now owe a total of {$160000.00}. Some money is being paid through Chapter XXXX but it only goes to interest and is not enough so the interest keeps accumulating. I would like to refinance the loan at a lower rate but ca n't because Congress has to change the rules. I am almost XXXX years old. This loan will never be paid off. Is there a way to stop the accumulated interest at such a high rate. Is there a way to forgive that extra interest? I feel trapped. This feels like a mafia shakedown. I ca n't even discharge this in bankruptcy. Even after Chapter XXXX payment will be way to high. If I apply for Social Security, they will garnish that. Please try to do something about this. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Thank You in Advance for your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 XXXX opened a fraudulent account in my name, this account is a result of Identity Theft. I didn't authorize this account to be opened
Product: Mortgage

XXXX XXXX XXXX is being sued by me and has been served. They allege they repurchased loan XXXX XX/XX/2023. The transfer names you, Rushmore as substitute trustee. XXXX XXXX appears to be making agreements with and contracts with you granting you with power to foreclose on my property. It is unclear to me what is happening with fraudulently induced loan XXXX because XXXX XXXX has taken affirmative action to block any and all communication with me since the alleged transfer. The loan was properly canceled within the three day period, alameda agreed to cancel and rescind in writing, and all money and beneficial interests were returned to XXXX  in check XXXX. 

Please let me know if you are trustee, substitute trustee, or hold any interest my home. If so please note that there is a case pending at state court regarding any and all interests XXXX XXXX has in my property recorded on my title.
Product: Credit card or prepaid card

XX/XX/2019-Chase Credit Card bill received in mail was for {$180.00} payment due date of XX/XX/2019. It included a credit card fee of {$37.00}. I called Chase to dispute the " PAST DUE '' charge. Over the phone Chase said they would dismiss the {$37.00} late fee received on the XX/XX/2019 Bill. I paid  my minimum in full of {$150.00} on XX/XX/2019. 

XX/XX/2019 - Chase Credit Card bill received in mail was for XXXX with payment due date of XXXX XXXX. Once again including a late fee of {$37.00}. 

XX/XX/2019 - Email received from Chase Credit Card via XXXX that bill received on XX/XX/2019 with a payment Due date of XX/XX/2019 was at least 16 days past due as of XX/XX/2019. I also received phone calls from XXXX urging me to make the " Overdue '' payment. 

Statements are not correct. Statements don't reflect proper payments made. Unnecessary " Past Due '' charges. Claims that my payments are late when they are not.
Product: Credit reporting or other personal consumer reports

This is the second time that I'm reaching out to TransUnion, XXXX and XXXX about, fixing my personal information. because this information was inaccurate, it is effecting my credit score.
Product: Mortgage

I am a XXXX veteran that was approved for property tax exemption that became due on or after XX/XX/XXXX. I have submitted the required letter to my mortgage company, Freedom Mortgage on multiple occasions. Additionally, I have submitted the tax exempt letter in XX/XX/XXXX to XXXX XXXX XXXX and XXXX XXXX, where I reside in PA. I have requested multiple Escrow account analyses in order for my new, tax exempt payment to be reflected in my mortgage payment. These were requested in XXXX and XXXX. All Escrow Analyses came back with an increased mortgage payment due to my account having an escrow shortage of {$160.00}. This was communicated to me due to an increase in my homeowners insurance, which was increased by {$96.00} effective XX/XX/XXXX. 
I was contacted in XX/XX/XXXX by XXXX XXXX, Tax Officer in XXXX XXXX, PA stating that Freedom Mortgage incorrectly paid my tax bill to the county and township and that I would need to be issued a refund check considering I am exempt. I have since received my refund check from XXXX XXXX. 
To date, my account with Freedom Mortgage is still not reflecting a new lowered payment amount and still does not reflect my property tax exemption. 

I have contacted Freedom Mortgage via phone and their message center and have gotten no resolution.
Product: Debt collection

Repeated daily calls. My phone has rang up to 6 times per day even when the collection agency has left voicemails. We have received excessive calls even when asked not to call so much and I receive excessive calls all day. This company has a call center in another country that does not know our collection laws which they admitted and stated they can call aLL DAY IF THEY WANT TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has updated & verified an account in XXXX of XXXX even though account still is currently in violation and is still reporting as inaccurate. please see attachment. 

XXXX XXXX XXXX XXXX- still appears on Equifax credit profile with full and complete validation. This is a violation. 

XXXX  XXXX XXXX XXXX- still currently reports inaccurate last date of payment of XX/XX/XXXX. This is Inaccurate reporting XXXX XXXX XXXX XXXX- still currently reports a payment history on a collection Account. Account currently reports as not current ; This is a violation XXXX XXXX XXXX XXXX- still reports late payments on a collection account. 30days late/60days late/90days late this is a violation XXXX XXXX XXXX XXXX- does not report on either XXXX or XXXX ; under FCRA rules all 3 major credit reporting agencies must report consistent information on a consumer credit report. As a result ; this is a violation of FCRA rules.
Product: Mortgage

New mortgage servicer, " Shellpoint '' is charging me {$60.00} for property inspection that I did not approved or have any knowledge of. 
The dates of these charges are XX/XX/XXXX and XX/XX/2023 I tried to get these charges waived or dropped during several phone conversations with their customers service Dept. to no avail.
Product: Credit reporting or other personal consumer reports

Filed the form from XXXX XXXX XXXX to get a free annual credit report but got nothing so far
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Debt collection

An account that was opened in my name was placed up for collections, this account belonged to my biological father whom I share the same first and last name with. He has used my information in the past to get credit and so fourth, I have since placed him in jail for fraud. I paid this company the balance stated I owed and asked for a deletion, it was nothing but harsh words from that point on. Please bring justice to my name, I literally paid a debt off that didnt belong to me and this remaining on my credit is staining it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This company ran hard inquiries on my Transunion credit report without my consent. I applied for a payday loan, which is not a line of credit and should not have required such a credit inquiry. I contacted the company requesting these inquires be removed, however they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Edited letter to Equifax, XXXX. XXXX XXXX, XX/XX/XXXX, to avoid providing personal information Dear Sirs, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake adding a suffix ( Sr. ) to my name. I have never used, and have no reason to use Sr., as I have NO MALE children! 

In addition, you compound your mistakes in you latest communication. Let me explain. 
In addition to the Sr-suffix, you had my former employer as XXXX XXXX  XXXX. I pointed your mistake in my previous letter. My previous employer is The XXXX XXXX XXXX XXXX. Furthermore, under previous addresses the XXXX XXXX XXXX was in XXXX Ohio, not XXXX, as you mistakenly wrote. 

The confirmation # XXXX says you have deleted from the credit file XXXX, XXXX XXXX XXXX, Date employed : XX/XX/XXXX Date employed XX/XX/XXXX The information about my former employer should not be deleted, instead, it should read : XXXX, XXXX XXXX XXXX XXXX XXXX, Date employed : XX/XX/XXXX. The only information that should be deleted is the XXXX XXXX XXXX if you can not correctly identify XXXX Ohio, instead of the wrong XXXX!!!!! 

I enclosed copies of Passport, driver license and social security card in my previous letter to you. As you can see from the driver license, Passport, and Social Security card my name does not have the suffix Sr. 

I am totally fed-up with your organization. Would you forward my file to a supervisor? I can not continue sending letters and documentation in a fools-errand hope for resolution that never materializes in spite of months of effort and countless hours of writing. I would appreciate a supervisor contacting me personally to clarify any questions you may have prior to issuing another wrong resolution confirmation.
Product: Prepaid card

In XX/XX/year>, I tried pay my rent, and transaction would not go through. Ive called Direct Express multiple times and all they do is give me run around, transferring me or keeping me on hold for hours at a time. Im going on 2 months with unpaid bills. My phone is off, Im having to use WiFi to make calls. I would appreciate any assistance you can provide. Thank you
Product: Credit reporting or other personal consumer reports

I tried 4 times to get the information on credit report corrected. I have sent certified mail and it was returned to me. I have sent copies of the XXXX account that was paid in full when I sold my house and it is still showing over $ XXXX.balance and charged off. There was an discrepancy with XXXX XX/XX/XXXX during the pandemic and they closed the account before I could get things straighten out. They were closing a lot of my accounts like XXXX and other company 's. The WFBNA Card also didn't acknowledge there was a few transactions in question and they just closed the account without investigation. If I owe I have always paid my bills. WFBNA and XXXXXX/XX/XXXX said the account were charged off but have not received anything to prove it or file on my taxes.
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 items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$4100.00} XXXX  XXXX Balance {$8300.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX Balance $ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has an open account on my credit report, the loan is closed which its still reporting late payments and open, Ive contacted this company numerous times and the credit bureau to delete this off my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I have two late payments posted to my account that I was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy according to 15USC 1681e.I never been late on this account I provided and also attached a screenshot inside this complaint with dates ( month/year ) .Please investigate and provide proof with statements showing these payments were late.If proof can not be provided i demand these payments be updated to paid on time as agreed as soon as possible as they should be due to the fact that I was never late.Thank you! Please do not disregard the screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$900.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i recieved a hard inquiry from XXXX XXXXXXXX i have never ran my credit or authorized it to be nor have i ever been associated with this company it also states on the dates XX/XX/2022, XX/XX/2022, XX/XX/2022 inquries was made again