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

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

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

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

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
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 Account Number : XXXX Account Name : XXXX 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 or other personal consumer reports

Company continue to report fraudulent information on my credit report. Since XX/XX/18 XXXX have reported a fraudulent account that I did not authorize in my name and the credit agency report this negative account without properly investigating. Check my credit history, I pay what I legitimately owe.
Product: Credit reporting or other personal consumer reports

The obligor is the original creditor pursuant to 15 U.S. Code 1602 ( g ) and 15 U.S. Code 1691a ( e ) of the consumer account for the consumer and the consumers are natural persons pursuant to 16 CFR 433.1 Pursuant to 15 U.S. Code 1691a ( e ) clause3 and U.C.C. 1-201 ( 13 ) the creditors of the original creditor are assignees of the original creditor for the benefit of the original creditor of the account for the benefit of the consumer.

The accounts are rights to payment of monetary obligation for property sold or leased or licensed or assigned or otherwise disposed of for services rendered or services to be rendered pursuant to U.C.C. 9-102 ( 2 ) by servicers pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The consumer on the consumer report is entitled to the security interest held by account The creditor as assignee is a consumer reporting agency pursuant to 15 U.S. Code 1681a ( f ) The assignee as a consumer reporting agency is acting as and is a debt collector as pursuant to 15 U.S. Code 1692a ( 6 ) The assignee as a consumer reporting agency are acting as debt collectors pursuant to 15 U.S. Code 1692a ( 6 ) The assignee is my servicer and a holder for the original creditor servicing the credit balance held in the account as security interest of the consumer and obligor pursuant to 12 U.S. Code 2605 ( i ) ( 2 ) and 12 U.S. Code 2605 ( i ) ( 3 ) The assignee as creditor and servicer and holder of the security interest in the account entitled to the consumer are money transmitting business ( es ) pursuant to 31 U.S. Code 5330 ( d ) ( 1 ) The security interests that are the credit balances in excess of {$1.00} held in each reported account is entitled to the consumer as security interest held for the benefit of the obligor as pursuant to 15 U.S. Code 1666d in accord with 12 CFR 1026.11 - Treatment of credit balances ; account termination as well as 12 CFR 1026.21 - Treatment of credit balances as well as 31 CFR 306.11 All inaccurate accounts on the consumer report are to be deleted inclusive of any and all inquiries on the consumer report being in direct violation of 15 U.S. Code 1681b for no inquiry remaining is benefit of the consumer and removal of such is a private beneficial interest of the consumer Each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are liable for each assignee and creditor, being a servicer of the original creditor, operating as a money transmitting business, acting as consumer reporting agency and debt collector are hereby liable for civil liabilities pursuant to ; 15 U.S. Code 1640 ( a ) ( 1 ) 15 U.S. Code 1640 ( a ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1641 15 U.S. Code 1644 15 U.S. Code 1681n 15 U.S. Code 1681o 15 U.S. Code 1693h ( a1 ) 15 U.S. Code 1693h ( a2 ) 15 U.S. Code 1693n 15 U.S. Code 1611 for violating the following ; 15 U.S. Code 1692e 15 U.S. Code 1692j 15 U.S. Code 1681b 15 U.S. Code 1692d ( 4 ) 15 U.S. Code 1692f 15 U.S. Code 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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
Product: Student loan

Since XX/XX/year> I've been trying to get a payment which was transferred to MOHELA from my previous lender applied to my account. They FINALLY sent me a letter that says it's been applied to my account AND IT HAS NOT. XXXX months, over XXXX hours following up on this, most of it on hold because they won't hire enough competent people to actually appropriately and properly manage my loan. They need to apply the XXXX $ payment to my loan as of XX/XX/XXXX and back out the interest as well so I can pay this XXXX thing off. This company should have their contract with the DOE cancelled, it's criminal and fraudulent how they are dealing with borrowers ' money.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiries with FTC report number XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed several inaccuracies in my account. These inaccuracies are negatively affecting my ability to obtain credit. 

I understand that you will investigate these items to ensure their accuracy. 

Please verify the following item for accuracy : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXN, GA XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXXBalance : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed same items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit Bureaus are required by law to remove the accounts which are found to be fraud due to identity theft. The disputed accounts do not belong to me. Please remove these accounts. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$1500.00}, XXXX XXXX XXXX Balance Owed : {$2000.00}, XXXX XXXX XXXX Balance Owed : {$480.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX Balance Owed XXXX {$6600.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX under file number : XXXX with XXXX, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( Experian ) XXXX to update my address to XXXX XXXX XXXX, XXXX, Virginia. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the XXXX website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( XXXX ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( XXXX XXXX street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( XXXX ) ; XXXX, XXXX, and Experian. 

Today, XX/XX/XXXX I sent ( XXXX ) certified letters to ( XXXX ) XXXX, ( XXXX ) XXXX, and ( Experian ) XXXX followed by the tracking numbers. I also sent XXXX a copy of my employer XXXX for XXXX which verifies my address. I was told by XXXX it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Product: Checking or savings account

i had one account before. it was closed until now I can't open an account there.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS. I SHOWED THEM MULTIPLE TIMES OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. I HAVE PROOF OF MY LETTER FOR THAT. 

ALSO, ACCORDING TO 15 USC 1681 S-2 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. 

THIS IS VIOLATION AFTER VIOLATION. THIS IS CAUSING ME STRESS BECAUSE I HAVE NO HOPE WITH THIS SYSTEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my rights! 

Account : XXXX XXXX I spoke with a representative from XXXX XXXX removing this account from my credit reports and they agreed to do that. Transunion STILL shows this account on my report! 

There are also inaccuracies that show on this account as well and I am in my legal right to demand this account be removed from my report! 

Last Verified Date does NOT match other reports from XXXX and XXXX! 
Date of Last Activity Does NOT match XXXX and XXXX! 
Account status shows Open, this is a PAID collection! Open is WRONG! 

Each violation can fine Transitions {$1000.00} in court! I will sue if this account is not removed!
Product: Debt collection

***This is a Legal Complaint***. NAVY FEDERAL CREDIT UNION is furnishing false and misleading account information to my credit reports with XXXX XXXX, XXXX, and XXXX. The information being furnished is information known to be false. A credit union of this size should be taking reasonable procedures to ensure a consumer 's rights are being protected to prevent unfair practices. I am a consumer and the FDCPA clearly states actions that are prohibited and actions that are not. There is no excuse for taking actions that trespass upon a consumer 's rights in a credit transaction. I am seeking to be heard and to obtain redress. I am seeking redress in the form of a deletion of all 3 trade-lines reporting to my credit report and compensation as the FDCPA allows for the damages to my person, family, and household.
Product: Money transfer, virtual currency, or money service

My paypal account was permanently limited on XXXX XXXX, 2023 without prior notice from the company if I have violated any of their rules and regulations. Kindly help me with this since I still have around {$120.00} on my account that I can not withdraw. 
Also, they sent me a dispute claiming my {$110.00} for refund which I can not attend to since my account was limited.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit card

I been trying to contact the bank by phone to correct my mailing address on system however has not been possible due to the customer service representatives do not find my account with my social security number. The account is closed but is still being reported to the credit bureaus with inaccurate personal information that must be corrected. Also, the account name is XXXXOLDNAVYDC but this bank does not any information related to the account due to a " transfer ''. Account. # : XXXX
Product: Debt collection

I have never received any form of documentation from this company stating I owe a debt. I found this collection item on my credit report. I contacted XXXX and they stated they had the wrong address in their system. I have been going to XXXX for years, I am not sure how that happened.
Product: Money transfer, virtual currency, or money service

Do not use Marcus for home buying deposit. Marcus is on its second business day of a wire submitted at Monday morning XX/XX/XXXX. I told them I needed the funds wired to my attorney 's escrow account because I was a first time home buyer and these were the funds to be used for closing on Wednesday XXXX XX/XX/XXXX. I was told that they may be able to make an exception but typically only wire back to personal accounts. They denied without explaining the exception, even though I asked. They simply repeated that they reviewed my account and will not provide an exception. The funds I was requested to wire are {$150000.00}. They then told me that despite the website language, extracted below, and despite my Marcus dashboard wire tracker stating the amount would be transferred same day XX/XX/XXXX, emails stating I could access my funds by wire same day, I would NOT receive the wire to my personal bank account until 1 to 3 business days. They would not explain how or what would make the process take 1 business day versus 3 business days. They explained that there are two internal back office teams who do two separate reviews, the second review of which as of the time of this writing is still not yet initiated as I've called XXXX times now to ask for the status. The money is not wired. When I ask for information, they have no additional information on what is being reviewed, why the review is taking so long, where in the queue my wire transfer is resting, or when it would be picked up other than to repeatedly tell me that over the phone they've explained that this process, even when an expedited request is initiated, it can still take up to XXXX business days. I'm at risk of losing this home deal and losing the {$52000.00} XXXX deposit because I entrusted my savings to Marcus who advertises that I would be able to access my funds SAME DAY! Instead, the funds have not moved, the first internal review was only just completed, and my funds ( {$150000.00} ) are far from being processed same business day. 

MARCUS " Accessing Your Money '' Website : https : //www.marcus.com/us/en/banking-with-us/accessing-your-money # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, our % XXXX % XXXX % XXXX % XXXX. 

Wire transfers let you send money between your Marcus savings account and accounts you own at external banks in the U.S., U.S. territories of U.S. Virgin Islands or American Samoa, or in/on a U.S. military base or U.S. embassy .

Heres what you need to know about wire transfers To send a wire transfer, please call us toll-free at XXXX, 24 hours a day / 7 days a week. Wire transfer requests made after XXXX pm E.T. or on a non-business day will not be processed until the next business day. 

Please have your Marcus savings account and external bank account information available. 

Wire transfers are subject to our wire transfer security procedures.