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

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Axcess Financial, I am writing to address a concerning matter regarding an inquiry reported by Axcess Financial, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for Axcess Financial to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Axcess Financial to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Axcess Financial neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Axcess Financial. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS CLEAR TO ME THAT ALL THESE ACCOUNTS ARE FRAUD RELATED. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX  account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

XXXX XXXX XXXXXXXX / XXXX / {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I filed a dispute in early XX/XX/2020 regarding XXXX  and how it is reporting on my credit profile. I was a victim of identity theft! I enforced experian of this. It violates the Hippa law!  And I want it removed.
Product: Debt collection

In XXXX of 2017 XXXX XXXX University granted my request for tuition adjustment based on personal and health matters for the previous two semesters. ( Supporting Documentation will be attached ) I was told that the tuition for the two semesters would be credited to my account and i would however still owe whatever fees were accessed. XXXX XXXX ended up only crediting my account for one of the semesters and began sending me bills for the other semester. I spent hours on the phone with the bursar office who eventually told me they could not adjust my tuition and it needed to be paid in full. According to " XXXX '' from the Business office they were having trouble figuring out my files because they converted systems. XXXX XXXX then sent my bill to collections with Eastern Revenue INC. I explained to them my situation and scanned them my supporting documents. They contacted XXXX and were told I have to call to straighten it out. I did so and spoke with a gentleman by the name of XXXX again on XXXX at XXXX, who ultimately only apologized and said there is nothing he can do. Throughout the past two years I have sent them the letters and emails showing my grant for tuition reimbursement and nothing has been done.
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. 


Account name : XXXX XXXX Account XXXX Account name : AZ XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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.
Product: Credit reporting or other personal consumer reports

Submitted a complaint/request for explanation to Experian about my drastic credit score change. 1 ) Experian responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Experian said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). Either Experian has me confused with another customer ( gross negligence ) Or, Experian is lying about what they did ( fraud ). I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.
Product: Debt collection

I have sent a debt validation letter " TWO '' times on the following dates ( XX/XX/2022 and XX/XX/2022 ) and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I have my receipt of the certified mail that my letters were delivered. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all invalid information on my credit report with Equifax. all files are supposed to be 100 % accurate an its not. this is hindering my file & causing denials. please delete an remove data listed asap.
Product: Debt collection

I received a letter from Transworld Systems Inc on XX/XX/2019. The leeter stated they were collecting a debt for XXXX XXXX XXXX XXXX in the amount of {$260.00}. The letter also stated I had a past due account with the company ( XXXX ) who attempted attempted to bill the charges to my credit card, but the charges were denied. I have never used XXXX and I do not have an account with them. They have never sent me notices to explain any debt they believe I owe. 

After researching online I have come to see this appears to be a common scam which may involve identity theft and theft of credit card numbers. 

Earlier this year someone used my credit card number to place an order out of XXXX XXXX XXXX, but that charge was quickly discovered and denied. The order never went through.
Product: Credit card or prepaid card

1- On XXXX XXXX I sent a payment from my checking account to pay my XXXX bill for {$1000.00}. 
2- I made the mistake of sending this payment to the wrong account. XXXX Use to have AMERICAN EXPRESS few years back but now they use XXXXXXXX XXXX. 
3- I made the mistake of using this old AMERICAN EXPRESS account to sent the {$1000.00} payment. That account number is XXXX XXXX XXXX and conformation # XXXX This number is the confirmation number from my checking account on XXXX XXXX  XXXX XXXX-I called AMERICAN EXPRESS and their short answer is that because they dont handle XXXX accounts anymore that I should call XXXX XXXX to deal with this issue. At one point in my first called they said that they received the money but was in process, then few day later they said that since is a XXXX account they cant access the account and therefore cant do nothing about. 
5- When I call XXXX XXXX they cant find anything since the account number that I give them a reference is an AMERICAN EXPRESS account number and of course they cant find anything and told me that AMERICAN EXPRESS should refund that money. 
6- My bank XXXX  XXXX XXXX generated an e-check to pay the mistake that I made and AMERICAN EXPRESS XXXX according to my my bank, cashed that check. 
7- I did a complaint to my bank and they got the same answer as I did. 
8- Last week on XX/XX/XXXX I went to my back in person y talk to an account manager, they called AMERICAN EXPRESS and he was told that the money was sent to XXXX XXXX XXXX but its been a week and the {$1000.00} had not been posted to my account. 
9- I XXXX  XXXX XXXX AND STILL HAVE TWO ACCOUNTS WITH AMERICAN EXPRESS. 
10- Please if you need more information feel free to contact me XXXX XXXX XXXX XXXX XXXX at my email XXXX PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

Since the month of XX/XX/year>, I have contacted all of the three credit bureaus about duplicate accounts that are for the same collections. All three credit bureaus have allowed XXXX XXXX and XXXX XXXX to stay on my credit report even after I disputed that I did not recognize that the information as the XXXX XXXX XXXX was more than the original amount that I should have owed. Once I paid to settle the collection, XXXX put duplicates of the XXXX account as a new collection TWICE. I am currently again having to dispute the information with the bureaus on a debt I paid almost two months ago.

I am being harmed by the people who basically have our lives in their hands.
Product: Credit reporting or other personal consumer reports

Im in the process of fixing my credit I never gave XXXX XXXX, XXXX XXXX  / Netcredit or XXXX XXXX XXXX to run my credit.
Product: Credit reporting or other personal consumer reports

I was a XXXX  customer for 2 years and when i moved out, i closed my account and shipped the equipment back to XXXX on XX/XX/year> on XX/XX/year>, i received a news that i had to pay {$150.00} for the equipment and that it is a late payment too, i called XXXX customer service and they confirmed to me that equipment was received and that it was a billing error that they are going to fix after several days, it was fixed but equifax still showing this as a negative information on my credit report my credti score went down dramaticlly i request that this info from XXXX, since it was a billing mistake, to be removed or at least the effect of it to be removed from my report i submitted a dispute with equifax, here are the references Confirmation number : XXXX, and XXXX
Product: Credit card

XXXX charged XXXX high interest rates of XXXX  % +. Had an overall amount of {$XXXX} in interest fees for XXXX  for the XXXX credit cards I have with Barclays. These rates are SAVAGE, PREDATORY, and CRUEL and detrimental to average everyday working people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Equifax for the second time via phone for a status update regarding some recent disputes that were submitted. Upon speaking with the dispute agent, I was informed that one of the six inquiries would be removed, but that I would need to submit a FTC REPORT in order to have the others removed. 

I asked the representative to provide me with the information that would be needed, and they said to just lift the inquiries and fax the report back with identification. I did this the same day. 

On the XXXX, of XXXX I called to follow up again regarding the FTC REPORT that I had previously submitted on the XXXX of XXXX. At which point I was told that it was an internal policy that was in place at Equifax, by XXXX XXXX XXXX ), to not prizes any FTC REPORT that didnt include a date for disputes, and that it was not to be made public information.
Product: Debt collection

I do not owe a debt. If you answer the phone it disconnects. If they leave a voicemail and you call the number back it disconnects. After reading similar complaints this is a scam and they just won't stop the robocalling. This is getting very annoying and needs to be stopped. The message says : " This is receivables management partners LLC calling this call is from a debt collector please call us back at XXXX again the number is XXXX ''. Message left XX/XX/22 - XXXX The same message but with the phone number of XXXX on XX/XX/22 XXXX Same message from XXXX left XX/XX/22 XXXX Same message from XXXX left XX/XX/22 at XXXX Please let me know how to get this scammer to quit calling my cell phone number. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Bank account or service

On Thursday, XXXX XXXX, 2016, I opened a " Bank of America XXXX Checking '' account and a " Regular Savings '' account online. This same date, I received an email notification titled " Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.
Product: Credit reporting

I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.