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

On XX/XX/year> I requested an investigation for my consumer report regarding some fraudulent activity. There are multiple accounts furnished inaccurately and fraudulently on my report. These accounts have never been verified nor have I ever granted anyone permission to report anything about me. I have never entered into a consumer credit transaction with these companies either. 15 USC 1681i Requires an investigation into these matters before you try to send me an automated response I am requesting a manual investigation into these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attempted to contact these data furnishers and request evidence from them as well and no one was able to provide me with a wet ink signature contract with me agreeing to any terms.
Product: Vehicle loan or lease

I am aware that my SSN belongs to the SSA ( Social Security Administration ) and anything purchased with that number is an obligation of the United States in accordance to 15 USC 8 and being that Bridgecrest is attempting to collect an alleged debt from I, the consumer makes them guilty and in violation of the False Claims act ( FCA ) 31 USC 3729-3733. 

Pursuant to 15 usc 1692 ( c ) I notified Bridegrest in writing refusing to pay the alleged debt and I demanded that they cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. The cease and desist letter was mailed out on XX/XX/2022, however, Bridgrest continues to harass and send me notices about this alleged debt via email and continue to report to consumer credit agencies ( proof is attached ) I also sent a debt validation notice requesting all documentary evidence and audit trail for this alleged debt on XX/XX/2022 and they have not sent over any of the requested information, other than a contract, which is not proper information required for the debt violation process. This is a violation of XXXX5 USC 1692g. ( debt validation letter attached ) Pursuant to 15 usc 1635 creditors must give the forms to exercise the right to rescind to the consumer and the right of rescission must be disclosed that the obligor has until midnight of the 3rd day from the date of the signed contract to rescind the contract. I do not have any forms in my contract for the right to rescind. This is a violation. 

Im aware that whoever willfully and knowingly gives false and inaccurate information or fails to provide information which he is required to disclose under the TILA shall be fined not more than {$5000.00} or imprisoned not more than 1 year, or both.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems is has reported that I of them {$1200.00} but I have never lived at XXXX XXXX XXXX. I have contacted the property directly to advised them that Its Identity Theft but the property advised me that they cant do anything about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still showing up on my credit report after I paid the amount of {$220.00} and it was also included in my bankruptcy discharge still it was still showing up. Contacted the agency and was told they can not do anything.
Product: Student loan

Through Navient ; they forced me into a forbearance when I was unemployed instead of arranging an income-based payment plan. They made me pay for it and it did n't go against the loan I already owe.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a critical issue I have been experiencing with unauthorized hard inquiries on my Equifax credit report. These inquiries have adversely affected my credit score and overall financial well-being. Despite multiple attempts to resolve this matter with Equifax, I have not received a satisfactory resolution, and the inquiries remain on my credit report. 

I have outlined the unauthorized inquiries and accounts in question below : Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Cap XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : CBNA Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : Factual Data Creditor Name : XXXX  XXXX XXXX Account # [ Account Number ] - This is not my account, and I am not responsible for it Creditor Name : XXXX  XXXX [ Account Number ] - This is a business account, and I am not responsible for it. 
I have previously lodged disputes with Equifax concerning these inquiries and have also filed several complaints with the CFPB. However, after an investigation, Equifax has repeatedly refused to remove these inquiries from my credit file. I am now formally requesting assistance in obtaining the original documentation from the respective creditors that demonstrates my explicit authorization for them to access my credit file. 

I firmly believe that it is my right to verify the legitimacy of these inquiries, and Equifax has failed to provide me with this crucial proof of authorization. Without such documentation, I insist that these inquiries be promptly removed from my credit report, which Equifax has failed to do.

I have formally requested that Equifax provide the following information to support my request, which they have not complied with : 1. Copies of any documents, agreements, or applications that demonstrate my authorization for the above-mentioned inquiries.

2. A detailed explanation of the investigation process conducted by Equifax, including any communication with the respective creditors.

3. A clear and comprehensive response to this dispute within 30 days of receiving this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).

I kindly request that this matter be resolved expeditiously, and I ask that you notify me in writing of any actions taken. I understand that, in accordance with the FCRA, you have 30 days from the receipt of this letter to investigate and respond to this dispute.

You may reach me at XXXX or via email at XXXX to provide updates or request additional information if necessary. 

I anticipate a swift and satisfactory resolution to this dispute. Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account as my personal account and online freelancing since XXXX.My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopin

g that I will get back my account and able to withdraw my funds. Tha nk you and Godbless. For Identity verification, I attached my Valid ID. Please see attachment.qq
Product: Credit card

I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

the consumer reporting agencies ; XXXX, Transunion and XXXX have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, Transunion and XXXX Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX, Transunion and XXXX to verify the collection account information XXXX XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX, Transunion and XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I received your attached response to CFPB complaint number XXXX XXXX XXXXXX/XX/year> in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX which has also been attached to the present complaint for reference and as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either 1. the request was made in error, 2. the request was based on a material misrepresentation, or 3. That I received goods services or moneys as a result of the transactions I am seeking to block. Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain.
Product: Credit reporting or other personal consumer reports

The account reporting is in violation under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accuracy. XXXX XXXX XXXX  Account Number : XXXX. Not only that but the account was never properly investigated through Equifax. I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. FCRA Section 623 states the responsibilities of furnishers of information to credit reporting agencies. FCRA Section 624 has information concerning the responsibilities of credit reporting agencies upon receiving notice of disputes. I am demanding to see verifiable proof of what is on file for the accounts listed in my dispute. Failure to provide this proof has adversely impacted my ability to obtain credit. Removal of Unverified Accounts : As per the FCRA, states that when information on a consumers report can not be positively verified must be removed from my credit report. If you are unable to furnish a copy of verifiable proof, you are obligated to remove the accounts listed in my dispute or update it using the facts given to you by the consumer. This account listed is a clear violation of FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report and I should have been given a proper investigation. My report is still misrepresented and none of the information reports the same on any of my consumer reports. It is evident that my dispute must be adhered to and I am requesting the CFPB to step in to ensure it is rightfully executed. Please refer to my attachments for my complaint in order to adhere to my request and please send an updated copy of my credit report as well. Another violation that has happened which is a violation of 1681g ( a ) ( 1 ) which requires a consumer reporting agency to provide consumer reports upon requests which did not happen.
Product: Debt collection

So the medical companies put the debt on my report I had insurance paid my copayments but I never go a bill or letter to notify me that I owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$440.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this one also
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I inquired about a title loan through Loanmart to help pay bills. I was told that the term was 36 months and I had to borrow at least {$10000.00} with a interest rate of 99.99 %. My main issue is the interest rate being super high and at the end of the term I would have paid {$36000.00}. I am living in California and the bank that Loanmart uses is XXXX bank out of Utah. My loan number is XXXX. I would like to see this company to stop charging such high interest rates. Loanmart didn't even ask or check to see how much my paychecks are. I am struggling to make my mortgage payments, food, credit card payments. Myself and my wife are on a fixed income as we are both retired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  Credit Reporting Agency, is a Third-Party Collection Corporation . It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX XXXX XXXX has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.
Product: Credit reporting or other personal consumer reports

I hereby give notice two XXXX XXXX XXXX XXXX and Trans Union LLC that I never gave my consent or authorization to post any information regarding the consumer report bearing the name or any derivative thereof as a result of this unauthorizedReporting my livelihood has been adversely affected. I will sewed dispute the accuracy incompleteness any information contained in this credit report.I challenge the reporting agencies to produce the law the authorizes any company or agency a right to report anything to a consumer reporting agency, or a law that allows said companies or agencies to impede commerce, thus causing injuries without a fiduciary obligation to remedy the damages.
Product: Credit reporting or other personal consumer reports

I C SYSTEM INC Without any prior notification attached a debt to my personal account and have harassed for payment. Claim is for XXXX XXXX  when I have been a XXXX user for over 8 years now. This account does not belong to me and company should be removed and served a cease and desist for emotional and financial harassment. Financial compensation is been looked at as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019, a credit monitoring company, XXXX, tried to remove XXXX  XXXX Inquiry on my behalf from Equifax, but Equifax has not removed this fraudulent inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report, I can say that I've tried for 4 times or more, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Debt collection

Communications through the mail and phone calls from XXXX XXXX XXXX for XXXX XXXX of {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter dated X/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Credit Systems International, Inc stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and XXXX is reporting that the account has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months and a half ago I received your correspondence on this alleged account stating your ( verified/ updated-these accounts attached below but obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset