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

Upon checking my credit reports, I found a large number of inquiries that I did not authorize, nor am I aware of. These inquiries are not associated with any legitimate credit applications or transactions made by me. 

In response, I promptly sent letters to the credit bureaus informing them of the unauthorized inquiries, as well as discrepancies in my name and previous addresses listed on my credit reports. Despite notifying the bureaus and providing the necessary information, 30 days have passed, and they have not removed these unauthorized inquiries or corrected the discrepancies as I requested. 

This situation has caused me significant stress and fear that I may be held financially responsible for these unauthorized inquiries and accounts, which I did not open. I am deeply concerned about the impact this has on my credit report, and I seek immediate resolution to protect my creditworthiness.

The following laws support my claim : Fair Credit Reporting Act ( FCRA ) : The FCRA ( 15 U.S.C. 1681 ) mandates that credit reporting agencies ensure the accuracy, fairness, and privacy of consumer information. Under Section 1681c-2, I have the right to dispute any inaccurate information, including unauthorized inquiries. The failure of the credit bureaus to remove these inquiries after 30 days is a violation of this law.

Identity Theft and Texas Penal Code : According to Texas Penal Code 32.51, identity theft occurs when someone uses another persons identifying information, without consent, to commit fraud. In my case, these unauthorized inquiries suggest potential identity theft, and I have filed an official identity theft report to document the situation.

Federal Identity Theft Laws : Under the Identity Theft and Assumption Deterrence Act of 1998 ( 18 U.S.C. 1028 ), identity theft is a federal offense. I have filed an identity theft report, which I am attaching to this complaint. This report outlines the unauthorized actions and serves as evidence that I am a victim of identity theft, entitled to protection under federal law.

I am requesting that the CFPB assist me in ensuring that these unauthorized inquiries are removed from my credit reports and that the credit bureaus take immediate action to correct the inaccuracies. I fear that if this issue is not addressed, I will be held financially liable for accounts and inquiries I did not authorize, causing irreparable damage to my credit and financial stability. 

Enclosed with this complaint is the identity theft report I filed and letters I sent, which outlines the unauthorized activities and provides further documentation of the situation. 

Thank you for your prompt attention to this matter. I look forward to your guidance and assistance in resolving this issue.
Product: Credit card or prepaid card

Experian has fraudulently charged my credit card for {$24.00} for XXXX and XX/XX/2019 without my permission. This is an online scam by a credit bureau on an unsuspecting customer. 

This credit bureau stores the credit card for single use purchases and then fraudulently charges additional amounts without permission from consumers and for no extra services. 

This company must be penalized for these fraudulent practices. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX To who it may concern : Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information an every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items tha were sent in my initial dispute letter that now must be deleted from you database. 
XXXX XXXX XXXX 
Account # : XXXX Account Rating : collectionorchargeoff Account Type : Installment Closed Date : Creditor Remarks : Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$500.00} Last Verified : XX/XX/XXXX Payment Amount : Payment Status : Collection/chargeoff Loan Type : Secured I will also be attaching a letter from the company saying that everything on my credit report is reporting accurate however from there letter they stated that the account was settled on XXXX of XXXX however you guys have this information reporting all the way up to XX/XX/XXXX. There is definitely inconsistencies with communication between XXXX  and Experian and it shouldn't be if a proper investigation was done. I gave XXXX and Experian more than enough time to fix there mistakes and make sure every thing on my credit report is reporting accurate according to the fair credit reporting act but they have both failed. This is not a surprise though seeing that I read how a few days ago the CFPB has filed a lawsuit against Experian for not doing there jobs correctly.
Product: Credit reporting or other personal consumer reports

This evening, I was stunned to discover incorrect accounts on my credit report, and Im completely baffled as to why. I check my report regularly, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing my browser to see if it was just a glitch, but the errors persisted. Given this issue, Im asking for a thorough review of the documents Ive provided so that I can have peace of mind once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

In XXXX I was involved in a financial crisis not of my own making. I contacted Bank of America to discuss what repayment options I had available to me in order to save this account ( {$500.00} limit ). The customer service representative informed me that they would be able to suspend my account and I would be responsible for making {$50.00} a month payments for a period of 12 months, after which I would be responsible for any balance above the credit limit and my account would be reviewed for reactivation. This was in XXXX of XXXX. The payments were made automatically every month with the final payment coming out of my account on XX/XX/XXXX of this year ( XXXX ) .Upon contacting Bank of America to conclude the arrangement, I discovered that my account was closed in XXXX of XXXX yet was continuously charged interest and late fees. According to BoA, these fees made my XXXX monthly payment insufficient and the account was charged off as of XXXX XXXX. The incomplete information given me led me to believe that I was doing all the right things to save this account and my credit. I paid XXXX on a maxed XXXX credit limit and they report a balance of XXXX owed as of XX/XX/XXXX. Taking into account late fees accrued between XX/XX/XXXX and XX/XX/XXXX does not explain what has occurred here. Should I have been told the truth, I would have adjusted my payments accordingly. The saddest part was that this was the only credit card I tried to save after my financial debacle.
Product: Credit card

I was told I was receiving a 24 month promotional period for my enrollment and I only received a 12 month promotional period. My original purchase was {$2200.00} and after over a year of making payments each month, my balance is now {$3000.00}, more than the original purchase and the interest accrued is roughly {$1500.00}. This should not have happened as I was told I was receiving a 24 month no interest promotion.
Product: Debt collection

Around XXXX or XX/XX/XXXX, a debt showed up on my account for an apartment building called XXXX XXXX XXXX XXXX in the amount of {$2200.00}. I have contacted and spoke to the manager of the debt collection company " Professional Debt Mediation ''. Her name is XXXX XXXX ( email : XXXX ). I sent her all the documentation I was asked to send to her and still this fraudulent collection is on my credit report. 

I have LIVED in a house that I have a mortgage on since XX/XX/XXXX. I have not lived anywhere else. Ever since the XXXX breach in XXXX, I have been a victim of identity theft! Many other apartment buildings where all disputed and removed from my report. But this company is not cooperating. I emailed them back in XXXX or XXXX of this year and still have not heard back. 

This collection is ruining my credit and my financial life.
Product: Checking or savings account

On XX/XX/XXXX my card was charged XXXX for a hotel that I never stayed at I filed a police report and got the hotel receipt and the address dont match for the person who used my card my card was also charged XXXX dollars for a Texas XXXX application that I never filled out either I sent over documents and proof and its been two months and they still keep making me refile things after I sent over proof I didnt make these transactions I havent had a physical card for two months Ive talked to multiple supervisors and they agree that my claim should t be denied because they have no proof I have to refile for the six time about my money and Im filing a lawsuit for negligence and mishandling of funds
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a discrepancy I have noticed in my credit report following a recent credit card application with Capital One Bank on XX/XX/2023. 

Upon applying for a credit card with Capital One, I was surprised to find that the subsequent rejection had a significant impact on my credit history, as indicated by the notification I received from XXXX stating that there is a high risk on my credit report. 

I carefully reviewed the terms and conditions provided by Capital One during the application process, and nowhere was it explicitly mentioned that the application itself would have an immediate and substantial impact on my credit history. I understand that credit inquiries may have an effect, but the magnitude of this impact was unexpected and seems disproportionate to the nature of the application.
Product: Debt collection

AFTER FAMILY MEMBERS IN OUR HOME RECOVERED FROM VIRUSES BEING SPREAD AROUND, WE FINALLY HAD A CHANCE TO CHECK OUR MAIL, AND SAW MAIL FROM SEVERAL ATTORNEY OFFICES. WE WONDERED WHY WERE THESE LETTERS BEING MAILED TO OUR HOME. FINALLY WE SAW A LETTER IN THE MAIL FROM AN ATTORNEY 'S OFFICE CALLED " LEFKOFF, RUBIN, GLEASON, RUSSO XXXX XXXX, XXXX. WE ASSUME THEY REPRESENT " XXXX XXXXXXXX XXXX  '' THIS IS WHAT THE LETTER SAID. IT ALSO ASKED IF THIS WAS THE HOME OF " XXXX XXXX '' AND THAT XXXX XXXX NEEDED TO RESPOND WITHIN 2 WEEKS OR THE AFOREMENTIONED ATTORNEY 'S OFFICE WOULD " ASSUME '' IT WAS THE CORRECT HOME FOR " XXXX XXXX. '' 1. WE HAVE SEEN WHERE THE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE CAN BE CONFUSED BY THE SIMILARITY IN NAMES, WHICH COULD CAUSE THEIR OFFICE TO ASSUME THAT THEY ARE SENDING MAIL TO THE PROPER HOME ADDRESS. WELL, NO ONE IN OUR HOME GOES BY THE NAME " XXXX XXXX. '' WE NOW HAVE TO BELIEVE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE HAS SENT LETTERS TO THE INCORRECT ADDRESS. THE MAN, WOMAN, OR PERSON THEY ARE SEARCHING FOR DOES NOT LIVE OR RESIDE AT OUR HOME ADDRESS. THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE COULD HAVE MADE A SIMPLE MISTAKE, OR WE COULD BE A VICTIM OF IDENTITY THEFT.

2. WE DO NOT KNOW ANYONE FROM THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE. WE DO NOT HAVE A CONTRACT WITH THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NO KNOWLEDGE OF ANY DEBT OWED TO THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NEVER USED THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE FOR SERVICE, AND WE DO NOT OWE THEM ANY MONEY FOR ATTORNEY FEES.

3. UNDER THE FAIR CREDIT REPORTING ACT, DEBTS OVER XXXX YEARS OLD ARE TIME BARRED, AND HAS A STATUTE OF LIMITATION, AND CAN NOT AFFECT ONE 'S CREDIT. ALSO, NO CREDITOR CAN USE THE SAME ASSUMED DEBT MORE THAN ONCE TO AFFECT A CONSUMER 'S CREDIT. WITH THAT BEING SAID, NO ONE WITHIN OUR HOME HAS TAKEN ANY LOANS FROM ANY BANKS WITHIN THE LAST 7 TO 10 YEARS, ESPECIALLY FROM A " XXXX XXXXXXXX XXXX '' WE DO NOT HAVE KNOWLEDGE OF ANY DEBTS OWED TO THE ATTORNEY 'S CLIENT, XXXX XXXX XXXX IF XXXX XXXX XXXX ASSUMES THERE IS A DEBT OWED, THEN WE CAN POSSIBLY BE VICTIMS OF IDENTITY THEFT.

4. SINCE WE BELIEVE SENDING MAIL TO OUR HOME HAS BEEN A MISTAKE, WE REQUIRE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE, AND THEIR CLIENT, XXXX XXXX XXXX, TO CEASE AND DESIST WITH ALL ACTIONS TO AFFECT OUR CREDIT, CEASE AND DESIST WITH ANY ATTEMPT TO WITHDRAW FUNDS FROM OR FREEZE OUR BANK ACCOUNTS, CEASE AND DESIST WITH ANY LIENS, AND CEASE AND DESIST WITH ANY NEGATIVE AFFECTS ON OUR PRIVATE, PUBLIC, AND OR INTELLECTUAL PROPERTY.
Product: Vehicle loan or lease

my car has been repo 2 days ago due to non payment in 8 months but from my understanding was that repo comes after your car within 2-3 months i have checked my wells Fargo account and the money has been withdrawn monthly from my account but the finance company for my vehicle is XXXX XXXX XXXX states they have not received payment in 8 months. the money is not in my account. the money was not received towards the car payment. where is my money
Product: Credit reporting or other personal consumer reports

while checking my most credit report I notice a credit inquiry that I didn't recognize BARCLAYS BANK DELAWARE XXXX XXXX XXXX INQUIRY DATE XX/XX/year> I did not authorize anyone employed by this company to make an inquirynand view my credit report. This is a violation of the fair credit reporting act section 1681 b c an a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any fradulent inquiries be immediately deleted from my credit file that is maintained under my social security number. 
Please note that you have 30 days to complete this investigation per fair credit act section 611. 
my contact information will appear on this complaint
Product: Credit reporting or other personal consumer reports

I WITNESSED MY CREDIT REPORT HAVE A NEW INQUIRY ON IT FROM XXXX THAT I DID NOT AUTHORIZE NOR ATTEMPT. THIS IS IDENTITY THEFT SOMEONE USED MY INFORMATION TO GET THIS ACCOUNT! PLEASE CLOSE WHATEVER THIS XXXX  THING IS AND REMOVE THE INQUIRY ASAP AS I DID NOT COMMIT IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.
Product: Debt collection

In XX/XX/year> I had XXXX XXXX XXXX XXXX  which put me out of work for some time. I contacted XXXXXXXX XXXX and told them my situation and they wasnt willing to pause or lower my payments. I recently checked my XXXX XXXX account and seen a company named midland credit management on my report which Ive never heard of so I found their info on google. Once I called them I then was told another company now owned my account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To my knowledge the debt collectors are supposed to make me aware of my debt and they didnt. Second they say I owed over XXXX XXXX dollars when my credit limit was only around $ XXXX {$2500.00}
Product: Mortgage

My mortgage includes two lots of land. One where my home is located and one vacant lot next to it.

I started a partial release of the vacant lot with XXXX XXXX in XXXX. 
XXXX then sold my mortgage to Freedom Mortgage in XXXX. 
Now I have been working with Freedom Mortgage to get the partial release and one of the steps is to get an appraisal on the home and land. I paid {$570.00} as requested to Single Source for an appraisal on XX/XX/2022. 
I then was told on XX/XX/2022 that the new price is {$770.00} for the appraisal. I did approve the new price as we have no other options as we need this for a partial release, but any reasonable consumer ( including myself ) considers this a UDAAP violation as well as bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that XXXX had asked for inquiry in my credit. The notification was through XXXX XXXX
Product: Debt collection

They call all day and night for months. Today they called at XXXX XXXX. 
I have no business with this unknown entity. 

DIVERSIFIED ADJUSTMENT SERVICES are harassing on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and show incorrect information listed. This collection account has been satifed and paid in full. The collector advised that they will remove account. Please delete account due to make all payment successfully. Account name is XXXX ( Original Creditor : XXXX XXXX XXXX ) and account number is XXXX
Product: Debt collection

debt collectors calling me about loans and I only have knowledge of my school loans. I do not have any contracts with any company.
Product: Credit reporting

I disputed as aged out, other bureau removed based on Paid & Released seven ( 7 ) years from filing date XX/XX/XXXX, your records show now pd date, No release shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citicards has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.