23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In XXXX of 2016, I discovered a public record of bankruptcy on my Trans Union credit report. Using the address TransUnion provided, I attempted to contact XXXX XXXX Bankruptcy court using the address provided by TransUnion and the letter was returned as undeliverable. TransUnion is responsible for providing accurate contact information so that consumers may verify accounts. I contacted TransUnion via certified mail requesting that the item be removed due to inaccurate reporting and included copies of the returned mail as well as the timestamped report showing the inaccurate creditor address, and they replied via mail stating the item was verified and did not remove it from my report. They did not provide any documentation bearing my signature or mark the item disputed. An employee finding my name in a third party data mining database does not constitute verification. 

I am aware that federal courts do not report to credit bureaus and that they did not provide signature verification to any of the reporting agencies.
Product: Debt collection

Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. I have recently reviewed my credit report and noticed an entry that I did not authorize, which I believe to be both inaccurate and unlawful. The details of the disputed entry are as follows : Account Name/Number : LVNV Funding LLC Nature of the Discrepancy : Unknown creditor, inaccurate information This information is incorrect and has been reported without my consent. As per the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Under this law, credit reporting agencies are required to investigate the dispute and correct any inaccuracies.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Equifax, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, Equifax has violated its legal obligation to maintain accurate and reliable consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, Equifax has failed to conduct a proper investigation or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activities. Equifaxs failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my Equifax credit report and assurance that Equifax will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I purchased a phone with XXXX XXXX. The card was with TD bank. I paid off the entire balance over the phone. I never received another bill, however I have credit monitoring and it alerted me to a delinquency. I reported the error to XXXX and they investigated. They said TD bank claims the {$20.00} charged to my account was legitimate. I then sent the dispute letter to the company as required on their website and never received a reply. After reading reviews online I believe this is not a new scam. I never made a charge after I paid the phone off. It was a 0 % interest card so there is no post payment interest. Lastly the fact that they refuse to reply is unprofessional, clearly I wouldn't let a {$20.00} charge drop my credit nearly 100 points.
Product: Credit reporting, credit repair services, 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, 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 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

I placed a order on " XXXX '' onXX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

Looking at my Key Bank home equity loan account I see Key   has added a fee of {$210.00} plus {$11.00} to my account and call it Assess Prop Val Fees. I have called Key to find out what these fees are about. I have been transferred from XXXX to XXXX to XXXX and the only answer I got from XXXX was it was for insurance. For what no one seems to know other than I am being charged for it. I told them I already have the property insured and didn't need this nor do I want it. I'll have someone get back with you is what I'm told. When asking when will that happen? After they review it I'm told. I've heard that too many times before and it never happens. It's my money and I don't want them spending it without my approval or knowledge. If Key wants to know the value of my property, they should also pay for it, not me.
Product: Credit reporting or other personal consumer reports

I have observed several unauthorized hard inquiries on my credit report from financial institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amongst many other. 
The only legitimate inquiries that should be on my file is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  other are fradulent pull on my credit.
Product: Debt collection

This is not my debt. I sent a certified mail letter to them on XX/XX/22 asking for written signature validation of debt. They have not been able to supply me with this information. According to the USC they must validate each debt before reporting it to credit bureaus.
Product: Mortgage

Our client filed chapter 11 in XXXX and our plan was confirmed in XXXX paying the principal back at .00 % interest, no escrow, no insurance. When the loan was transferred to Nationstar, the cram-down had not been acknowledged by the previous lender which showed the client 's principal balance at a higher rate and an escrow account was in place. I have been trying for over 8 months to get Nationstar to acknowledge and provide us with the correct principal balance and it always comes back as a higher amount with an escrow account in place.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, XXXX, and Equifax for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The XXXX reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two different hard inquire and I recognize one it was my credit card from walmart in XX/XX/XXXX but i nave otherone from XX/XX/XXXX and I receive a letter that both are the same it doesnt make same to me in my credit report i need to get a accurate result. 

Synchrony XXXX, GA XXXX ( XXXX ) XXXX It was XX/XX/XXXX. It is not mine. 

Institution Information XXXX/walmrt XXXX, FL XXXX ( XXXX ) XXXX This is my walmart credit card from XX/XX/XXXX. 

More question i got a letter from XXXX  XXXX  but i dont know what i need to do in order to clean or remove this inquiries. 

XXXX XXXX Cards they made mistake because they opened two different cards the same years and i used only one the other one was by error. 

Last issue that i have is XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. i dont have contact information in order to fix this inquire. What i need to do I will appreciate your help.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX account on my credit report, which incorrectly lists a charge-off of {$480.00} as of XX/XX/XXXX. This account was originally opened in XX/XX/XXXX with a credit limit of {$300.00}. 

In XX/XX/XXXX, the account was reported as charged off, but I dispute the accuracy of this information. I filed a dispute in XX/XX/XXXX, and despite the reinvestigation, the account remains listed incorrectly. The information is harming my credit score, and no proper verification or documentation has been provided to substantiate the charge-off.
Product: Debt collection

This is the last email I sent them. I received a typed letter stating because of the age of this debit they legally can not report this on my credit or sue me but I could still pay on good faith. 

This is your notice from I, XXXX XXXX stated in my last email You are legally required to provide the following UNDER THE FAIR DEBT COLLECTIONS ACT the original signed contract by me and the original creditor, original documentation from the original creditor assigning you to the debt or original documentation that you own the debt. You have yet to provide original documentation validating the debt. You sent me a generic form that stated this debit was too old to report on my credit and past the timeline of suing because the age of the account and legally you can not report this on my credit. I have been called me multiple times day and night. I was also threatened with arrest and I was cussed out and called nasty names. Where is the original signed agreement with my signature and the original creditor? You have failed to validate this debit. This debit is not mine and its been 3 months so way past allotted time to validate this. You are legally required to provide validation of this debt. Threatening to report this invalid debt on my credit unless I write you in 30 days after I have asked for this information twice and you are ignoring my request for proof is against the fair debt collection practices act. You legally can not report this to the credit bureaus until you validate this debt that Im disputing. If you have already reported this on all of my credit reports you legally have to contact all of them and tell them this debt is being disputed until you validate it. Under the fair debt collections act you legally have to provide me the original documentation from the original creditor and verification that you own or have been assigned the debt by the original creditor. All collections act UNDER THE FAIR DEBIT COLLECTIONS ACT are to stop until YOU VALIDATE THIS DEBT. 
Signed by XXXX XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have requested that all of the companies listed on my on my Experian credit report be removed due to lack of original documentation to back up the allegations of my responsibility to the original debt. Investigations have produced no original documentation for my review, nor were the inaccuracies corrected. Also, hard inquiries that resulted in no benefits are still appearing after my request to remove them as Ive received zero extension of any type of credit/debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/XXXX  WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that DO NOT Belong to me on my credit on XXXX these are not mine I have no clue why they are even on my report or what they are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX, dated XXXX, about my credit report. The letter stated " [ 1 ] report ( s ) of negative information added to your file. '' I was shocked and concerned because my credit is very good. However, I know identity theft can and does occur. 

I called them to ask about this and spoke with a woman called XXXX She wanted me to verify my identity in order to provide a report detailing this negative information. So after asking as many questions as I could to verify who they were and what this information was, " XXXX '' told me that Equifax made " eight hard inquiries '' from XXXX to open new credit. I provided my name, address, birthdate, SSN, etc. to verify my identity. While XXXX put me on hold to open an investigation and dispute, '' I checked Equifax and XXXX. According to these sources, my credit is fine and there were no hard inquiries. 

When XXXX  '' came back on the line and I told her this, she had no answers or explanations. She just insisted that they would open the investigation. She was in a hurry to get off of the phone after this. When she hung up, I googled the company again and learned that the XXXX gives them a D-. I called the XXXX  and they advised me what to do to address identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on my credit file
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

I do not have a M & T Bank account, yet I keep receiving numerous spam texts saying my M & T Bank account needs review. This text I've just received led me to a link ( which I've followed on my PC in VPN and hidden IP mode ) which looks extremely suspicious. The number that texted it is XXXX, and the website address they say to follow is XXXX XXXX XXXX It has " login '' details to enter, but I'm 100 % certain it's just a puppet page that logs the information for more scammers to use. Again, I have no account, so nothing happened to me, but this looks like a very easy situation to fool anyone with a M & T Bank account.
Product: Credit card or prepaid card

NFCU - Credit card Subject : Explanation of Inability to Open an Account due to Confinement Dear NFCU, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. 

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. 

Thank you for your attention to this matter. I look forward to your response. 

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

I recently check my credit report and there were several unauthorize hard inquires on my credit report.
Product: Credit reporting

Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.