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

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXXXXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX, XXXXL XXXXXXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXCE-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX-Inquired on XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I have tried to pay off the loan numerous times for a settlement amount and customer service says they cant do it and they transfer me to the collections department. I talk to collections and they say I have to speak with the origination department. Basically they give me the run around and kept charging me interest. Collection agency says Speedy Cash doesnt want a settlement amount they want the entire amount which is the outrageous interest charges that I tried to prevent when they gave me the run around.
Product: Credit reporting or other personal consumer reports

This account has been fraudulently open I reached out to this company multiple times and they have not resolved this I provided court documents where it shows there is a XXXX balance and they still report to my credit which stops me from getting housing for me and my family
Product: Payday loan, title loan, personal loan, or advance loan

Try to pay off the loan and they cancelled my payment so they can charge me a extra day of interest. Called the company informed them of the situation and they hung up the phone called again and they will not direct me to upper management to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 i have enclosed a certified letter stating inaccuracies on my report which by law it must be removed if its inaccuarate under section 609 ... because their in violation and i can sue per violation up too 1000.. however transunion sent me a letter which i will attach it for you too see.. Traunsion sent me a letter applauding my request of disputing and misleading me by saying im using a third party credit repair agency. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. This is a violation I reserve the right to sue a credit reporting agency for violations of the Fair Credit Reporting Act and I believe I can prove that transunion did not use reasonable measures to insure the accuracy of my credit reports and now transunion are stalling the process even further.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

Remove XXXX XXXX XXXX account number XXXXimmediately
Product: Checking or savings account

Citibank froze my account. I had moved from XXXX XXXX XXXX XXXX and not all the information had been changed with my bank. I went to buy something online in XXXX, put in the wrong zip code, and triggered the fraud department. I had already changed my number so they couldn't get a hold of me. When I called back to try and explain the situation, they didn't believe me and told me they would send a letter to my old address in XXXX. I've gone into a physical Citibank location, I've also retained a lawyer to try and help me all to no avail.
Product: Credit reporting or other personal consumer reports

In 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, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Student loan

Took out a XXXX XXXX  in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Went on deferment was only making $ XXXX for 2 years, then started making payments. Thought the loan was completed and 25 years later XXXX receive notification I owe over {$59000.00} and was never notified after filing taxes for 25 plus years. I made payments {$400.00} for over 10 years Well over {$38000.00} and still owe {$25000.00}. 

The claim is I still owe over {$25000.00} and due to the loan resold and fees tacked on for {$1000.00} 's dozens of times. 

I dispute the validity of the loan after paying almost $ XXXX on the original $ XXXX loan. 

I have requested for years to have the loan disqualified and expunged, it has destroyed my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX Balance-
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Originally disputed with the company on XX/XX/2020. 
Experian received my disputes XX/XX/2020 according to my certified mail receipt. 
Received several notices on XX/XX/2020, XX/XX/2020, and XX/XX/2020 stating that the accounts were accurate. 

Responded to company on XX/XX/2020 requesting a reinvestigation and method of verification. 
Company received my response XX/XX/2020 according to my certified mail receipt. 
Company responded XX/XX/2020 without providing method of verification. 

Responded to company XX/XX/2020. 
Company responded XX/XX/2020 stating accounts have been verified once again without sending the procedures used to verify the accounts. 
It is now XX/XX/2020 and I have still not received the methods of verifications used from the company. 

According to the FCRA the consumer has the right to request the procedure used to verify accounts and the company has 30 business days to respond with that information. I have not gotten a proper response from the 2 last times I have requested method of  verification.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following : XXXX  XXXX > Account XXXX XXXX  >Account Number : XXXX XXXX XXXX >Account Number : XXXX XXXX XXXX >Account Number : XXXX XXXX XXXX XXXX>Account Number : XXXX These fraudulent accounts are appearing on my consumer FICO credit report. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. This inaccuracy is causing me significant financial distress and need immediate attention. I kindly request that you investigate and, if necessary, remove this item from my credit report. 

XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been going on since XX/XX/XXXX in which online credit reports were blocked. Equifax requested information on identity which was provided. On XX/XX/XXXX spoke with **** who said the issue was fixed and the online would be up in two hours. It was not. I called again and spoke to *** who said allow 24 hours. 
I checked today, XX/XX/XXXX, per *** she said it releases once a month. This is incorrect information as historically my credit report was accessible regardless of duration.
Product: Credit reporting or other personal consumer reports

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I added my husband onto my Capital One credit card as an authorized user. Capital One was reporting his credit scores until I called in about a balance that I ended up having to dispute. The problem was resolved with the balance, but my husband 's credit scores went from 700+ to XXXX. I contacted Capital One 7 times to explain the situation and they said they were submitting his scores and to contact XXXX. I contacted XXXX   who informed me that Capital One was not reporting my husband 's credit scores as an authorized user on my account. I contacted Capital One repeatedly concerning this issue and they asked me to write a letter to their Discrepancy Department. My husband still does not have his scores being reported even though he is an authorized user with an active credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed
Product: Checking or savings account

My direct deposit wasnt posted on Wednesday, XX/XX/year>. Capital One sent an email stating the issue should be resolved by Friday morning. I called customer service and was assured I would see my funds by this evening, on XX/XX/year>. My deposit still has not been posted.
Product: Credit reporting or other personal consumer reports

In 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank ) I Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXXXXXX ( Bank ) Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( Bank XXXX XXXX XXXX : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX ( XXXX and XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX ( Bank ) Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX XXXX XXXX ( Miscellaneous ) Inquiry XXXX XXXX XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Product: Bank account or service

XXXX accounts were opened under my name without my authorization. When I inquired about the accounts with the bank, the bank presented me with an authorization card with a signature purporting to be mine. I never signed the document they presented. I have been waiting for the results of their internal investigation for over two months and have not received any information from the bank as to who forged my signature or why those accounts were opened.
Product: Checking or savings account

My account was compromised last year, and the assistant branch manger XXXX XXXX XXXX at the location XXXX XXXX XXXX XXXX, TX XXXX United States I believe she was a normal banker Im not sure at the time but she was asking me to access my accounts so she disputed charges on my account. Come to find out she really acceded my account to print out a duplicate card. Ive filed an ftc report, Ive filed a police report because it seems like stellar bsnk is not catching her because she has other employees sign off on these weird arrangements she has! This is really bad business practices. And Im going to make sure I report this with other agencies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXX/XX/XXXX {$4800.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00} XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} In 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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

Wells Fargo billed us for a charge of {$320.00} for an ATM withdrawal in XXXX XXXX where we have not been. Wells Fargo claims that it was done with my wifes debit card. My wife has not been to XXXX XXXX so the charge is fraudulent. 
We tried several times for resolution with Wells Fargo and they refuse to do the right thing and correct it. 
I have been a customer for XXXX years and they treat us like XXXX. 
XXXX Wells Fargo and see that they tell us who they are, yet we still do business with them. Why? 
Wells Fargo might be great bankers, but lousy humans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information was reporting to my credit profile. I sent notice to all 3 bureaus in XX/XX/2022 have not received a response in over 30 days.