23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Unauthorized Inquiries on My Credit Report and Demanding Deletion Dear Sir/Madam, I am writing to formally dispute the presence of unauthorized inquiries on my credit report, citing violations of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ). Moreover, I want to emphasize that I have never given any consumer reporting agency written consent to report anything on my consumer report, which constitutes a violation of my rights as a federally protected consumer. The presence of these unauthorized hard inquiries on my accounts is both a violation of my rights and a form of identity theft.

Under 15 U.S. Code 1681c-2, it is explicitly stated that a consumer reporting agency must obtain written consent from the consumer to report any information on their consumer report. I want to reiterate that I have never provided any consumer reporting agency with written consent to report any information on my consumer report. Therefore, the unauthorized inquiries on my credit report are a direct violation of this provision.

Additionally, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) specifies that consumer reports may only be obtained for specific purposes, with the written consent of the consumer. In the case of unauthorized inquiries on my credit report, I have not provided any written consent for the companies responsible to obtain or report any information. Thus, these unauthorized inquiries are also in violation of this provision.

I demand the immediate deletion of all unauthorized hard inquiries listed on my accounts. The presence of these unauthorized inquiries not only infringes upon my rights as a federally protected consumer but also has detrimental effects on my creditworthiness and financial well-being. Their removal is crucial to restoring the accuracy, integrity, and fairness of my credit report.

I urge you to conduct a thorough investigation into the unauthorized inquiries on my credit report, taking into consideration the absence of any written consent from me as a consumer. It is essential that you recognize the violation of my rights and the severe implications of identity theft associated with these unauthorized inquiries. I expect your utmost attention and diligence in promptly addressing this matter.

As a federally protected consumer, I demand that you acknowledge receipt of this dispute letter within the required 30-day period, as outlined by the Fair Credit Reporting Act ( FCRA ). I expect your immediate action in investigating the unauthorized inquiries and ensuring their deletion from my credit report. Failure to comply with my request may result in further legal action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I anticipate a swift resolution that upholds my rights, removes unauthorized inquiries, and restores the accuracy of my credit report. If you require any additional information or documentation to facilitate the investigation, please do not hesitate to contact me.

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

In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from TransUnion was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal law is code 1681. Has violated my my rights as a consumer. XXXX XXXX XXXXXXXX # XXXX. On my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

Someone tried to XXXX a XXXX  XXXX credit card with my social security number. I immediately called to cancel the card when i received an email saying that XXXX  XXXX needed my last few documents to open my card. by then, they had already run a hard credit check without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX  COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Student loan

I contacted Aidvantage by phone on XX/XX/XXXX and requested {$8900.00} in qualifying payments to be refunded as part of the Covid payment pause. The agent confirmed the amounts and said he needed approval but submitted it for me, saying to call back in 48 hours if I didnt see a change. 

I called back on XX/XX/XXXX and the agent could see that I spoke to someone on XX/XX/XXXX, but said no approval request was made by them. She said she submitted it. After the call, I also sent an email to Aidvantage recapping the call and confirming the request. On XX/XX/XXXX, I received a response saying that this brand new agent JUST submitted my request for approval, meaning that it hadnt been done the first two times. 

I checked back in via chat on XXXX, and the agent said they saw that it was approved by a manager and they would now process the request. I followed up on XXXX and confirmed via chat again that it was submitted on XXXX. 

I have still seen no balance reinstated on my account, and have little confidence my request has made it to the right place. I know the staff is inundated with these requests now and are doing their best and I appreciate the help I have received, but had my original request been completed on XX/XX/XXXX, two days before the forgiveness announcement, I would have avoided this long wait and confusion.
Product: Credit reporting or other personal consumer reports

Based upon a previous relationship the request was made to delete the XXXX account on my credit report off due to it being unauthorized. This account should be removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights. 

I looked at my Transunion credit report in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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

This inquiry does not belong to me, and I have no relationship with the mentioned creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection acct originated w XXXX/XXXX. Same transferred to XXXX XXXX XXXX XXXX. Debt fully satisfied on XX/XX/XXXX Confirm # XXXX XXXX see attached ) Told a confirmation LTR to be sent to consumer & Equifax notified to delete collection 's acct. No action to date. Called XXXX on XX/XX/XXXX, & again told LTR to be sent & report updated. Tried dispute via XXXX XXXX, but not sure on qtn and system not able to verify ID for submitting a dispute request. Then attempted to do dispute by phone. Spoke w/ XXXX but due to previous, was not able to assist. Consumer inquired about approximate turnaround time from payment to credit report update. Never given an answer. Asked numerous times to speak w/ a supervisor and waited for about 15 minutes until supervisor, " XXXX '' spoke w/ me but no resolution to submit a dispute. Tried calling D.R.S. at ( XXXX ) XXXX and was sent to a voicemail for XXXX XXXX. I left a detailed ( confirmation #, call bk # etc ) msg to request removal of debt from the report and again requested confirmation LTR as promised. Today, I called to XXXX XXXX to again request same & left msg. To date no response. Please assist me in my attempt to update my credit report and delete the collection acct as promised as the debt was fully satisfied.
Product: Money transfers

We recently asked our Wells Fargo branch in XXXX, NC to transfer funds from our account at that branch. The transfer requested was an international transfer from our account to the bank account of a business in the XXXX. Wells Fargo refused to transfer our funds. We were told that Wells Fargo would only perform such a transfer if XXXX of us was physically present in the XXXX branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my XXXX and Experian credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted XXXX and Experian to see if I could request a removal of said inquiries to no avail.
Product: Debt collection

I HAVE BEEN A VICTIM OF IDENTITY THEFT I DID NOT OPEN ANY XXXX ACCOUNT
Product: Mortgage

My wife and I have a loan servicer ( Greentree/Ditech ) that has called us at times 3 & 4 times a day, at least. They have imposed unwarranted fees, not applied funds, just an on going pattern of harassment and misconduct. We understand they were involved in a lawsuit initiated by the FTC. We feel we were omitted, lost, or otherwise unaccounted for as we have not been contacted regarding any settlement. We also feel they are raising the interest rate illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Portfolio XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent out three disputes about my XXXX XXXX car loan with XXXX, Transunion and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my Transunion and account the total of the balance has been set to {$0.00}.
Product: Debt collection

I am disputing the failure of compliance with the law as the persistent presence of a fraudulent account, XXXX XXXX, on my credit report. Despite assurance from the bank that it would be promptly removed due to identity theft, it remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX, is showing two missed or late payments, this is false i have provide a letter form the creditor stating this is false and should be showing never late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Ohio, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2025 ] XXXX, XXXX, Transunion [ REPORTING DISPUTES XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] Subject : Request for Correction and Deletion of Inaccurate Information Dear CFPB, I am writing to formally dispute an inaccuracy that appears on my credit report regarding my car loan. After reviewing my credit reports from all three bureaus, I have found discrepancies that I would like to bring to your attention for immediate correction. 
XXXX. XXXX reports that the information regarding my car loan is close, but this is still inaccurate and requires further clarification. 
XXXX XXXX report that my car loan balance is {$26000.00}, while XXXX and TransUnion lists the balance as {$0.00}. This inconsistency between the bureaus is concerning, and I believe it to be an error that needs to be rectified. 

I have also heard that there has been an ongoing issue with the accuracy of car loan data across credit reporting agencies, which I believe may have affected my credit file. 

I respectfully request that you investigate and correct this information. Specifically, I would like the inaccurate balance information to be updated and for any outdated or incorrect data related to this account to be deleted from my credit report. 

Please provide confirmation of the corrections made to my credit report once the review process is complete. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you need further information. 

Sincerely, [ XXXX XXXX ] You can send this letter to each of the credit bureaus individually ( XXXX, XXXX, and TransUnion ) or via their respective online dispute resolution systems.
Product: Debt collection

At XXXX XXXX  central time Wakefield and associates sent me text about me debt this is before the XXXX XXXX  time window the law allows