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

I am writing to formally dispute several unauthorized hard inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries XXXX only be made with my explicit consent or when otherwise permitted by law. I have reviewed my credit report and found the following inquiries that I did not authorize. picture have been unloaded Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a consumer reporting agency XXXX only provide a credit report for permissible purposes, such as a legitimate credit transaction that the consumer initiated. These inquiries were not authorized by me, and I am requesting their immediate removal as they violate this provision. 

XXXX. Section 607 ( b ) : Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. This applies to all types of data, including inquiries.

2. Section 611 : Dispute Process Consumers have the right to dispute any inaccurate or incomplete information in their credit report, including unauthorized or incorrect credit inquiries. Credit bureaus must investigate disputes within 30 days and delete or correct any unverifiable or inaccurate information.

3. Section 604 : Permissible Purpose Inquiries must have a legitimate purpose and be authorized by the consumer or permissible under the law ( e.g., for a credit application, insurance underwriting, or employment ). If inquiries appear on your credit report without authorization, they violate this section.

4. Section 609 : Disclosure to Consumers Credit bureaus must provide consumers with a list of all entities that accessed their credit file, including inquiries. Consumers can request details on why their credit report was accessed and by whom.
Product: Debt collection

CAPITAL ONE BANK has reported to the credit bureaus falls information for an account thats not even belong to me, and that cause my financial life a big damage
Product: Debt collection

I've unsuccessfully reached out to LJ Ross Associates INC this bill from XXXX  XXXX XXXX is not a bill I owe.
Product: Credit card or prepaid card

I am in an approved COVID relief payment option, when i called to see what options were available, i was offered to skip payments for XXXX, XXXX and XXXX. Each month i called and messaged checking on the status, and what options were available after. When i finally heard back from someone in their special assets team ( after over a dozen requests via message and calls to the number XXXX ), i was told i was approved for a reduced payment program, and to pay {$190.00} per month. I promptly made the payment by check ( attached ). Also attached is the XX/XX/XXXX letter confirming my approved payment status. 
I received an alert on my credit report today, to see i have been reported 30 days late?
Product: Debt collection

company claims to represent a credit account that doesn't belong to me. The account is a result of identity theft. They are harming my credit report by saying I have an account in collections. They didn't even know my address or send me anything in the mail until after I disputed the transaction with a credit report company. I've disputed the account on my credit report but they are trying to scam me to get it removed from my credit report.
Product: Vehicle loan or lease

Recent changes We found 1 change to your XXXX credit report XXXX XXXX XXXX -- since XX/XX/XXXX New Credit Inquiry We found a new hard inquiry on your file On XX/XX/XXXX, an inquiry made by XXXX CA was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 


So I have already sent one complaint for this " fake '' soft credit pull from XXXX that was an offer on XXXX XXXX to me; stating I had been pre-qualified for a lower auto interest rate. Well I have gotten 4 emails from XXXX XXXX and my bank about some hard inquiries ; 2 different companies have now pulled hard credit inquiries which is illegal and false advertisement. I spoke to rate genius, and they stated only XXXX XXXX could assist me in this matter since the offer was made to me on credit karmas sight. I have spoken to about 5 people now at XXXX XXXX and no one can help me. It is very concerning that since my last complaint I was an email about another hard inquiry which was done today XX/XX/XXXX! I asked XXXX XXXX to withdrawal my application and she stated she would, then XXXX minutes later I have another HARD INQUIRY!
Product: Vehicle loan or lease

I purchased a car in XXXX XXXX XXXX. I recently had a look at my contract closely and the numbers aren't adding up. My interest rate is at 27.46 %. I was also told in the beginning that i wasn't approved for the loan. All of a sudden the next day I am magically approved major red flag. I feel as if they schemed a way for me to get approved. None of my payments went towards the car from day one. I have 5 payments in the beginning that never touched the car. I need answers, I also know about the 49 USC 14301 law. The whole process with this company took advantage of me as a consumer. Not to mention the amount that it shows i own as long as i had the car is still at XXXX. This makes absolutely no sense.
Product: Vehicle loan or lease

I purchase a vehicle in XX/XX/XXXX my payments started XX/XX/XXXX. My car note is {$230.00}. I make two payments each month to equal my due amount. I have always been a month ahead. My first payment was made on XX/XX/XXXX {$130.00} then XXXX XXXX {$130.00} which made my XXXX payment. XX/XX/XXXX {$130.00} and XX/XX/XXXX {$130.00}. Which was for XXXX payment that was paid in full. I called on XX/XX/XXXX since the IVR stated my due date was XXXX with an incorrect balance due of {$260.00} and should have been {$130.00}. At this time CSR stated they would have this corrected and sent to the account team to correct the information. I then made my payment of {$130.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX for XXXX. I then again had to call for the same reason and was told the same thing that this would be corrected. Made payment {$130.00} on XX/XX/XXXX and {$130.00} XX/XX/XXXX for XXXX payment and again for the 3rd time had to call for the same reason and again told this would be corrected. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and this time my account was correct. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and again my account information was correct. At this time I thought my account was finally corrected until I made a payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX here again for the 4th time i had to call to for the same reason to get my account corrected as i am a month ahead on my payments. I asked why this continues to happen and the CSR stated i would need to call to let them know that my payments are for the month ahead. I thought this was ridiculous and a hassle to do. I told the CSR I should not have to call to make sure they do their job correct. She stated that she would add a note to my account that my payments needs to be applied to the next month. So I thought this would fix my issue with my lender. Today XXXX I make a payment for XXXX due date and the IVR stated my due date was XX/XX/XXXX this will be my XXXX time calling to correct my account as this payment is not for XXXX. This will be the 1st partial payment for XXXX. Lender Name is Santander Consumer USA. 

Thank you for your time and help. Very much appreciated.
Product: Money transfer, virtual currency, or money service

The company Coinbase ( https : //www.coinbase.com/ ) has kept my " XXXX '' after a hard fork of the " XXXX '' chain. This " XXXX '' has value, they have kept me from gaining that value, by withdrawing my " XXXX ''.
Product: Debt collection

On the following dates/time ( XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX XXXX, and today XX/XX/XXXX - XXXX ), I have received texts stating, " Please contact Radius Global Solutions LLC @ XXXX / XXXX XXXX XXXX XXXX / To view your rights or make a payment XXXX XXXX / Text STOP to end texts ''. I looked into Radius Global Solutions and their official website is XXXX NOT the text provided website i have been getting. I do not, nor have I ever owed any outstanding dept and I believe that they are impersonating a debt collection agency with the intent to scam people. Thank you for your time with this matter, and if you have any further questions please reach out to me.
Product: Debt collection

When I had my credit check and found out that this was on my credit and saw the amount and called seven ave to see what I owe and was told I still owe {$200.00} dollars and I said how 's that if I only bought XXXX cameras from you that cost {$99.00} each and I already paid a total of {$150.00} dollars XXXX payment given XXXX of {$50.00} and {$100.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX XXXX # XXXX RE : Validation Required XXXX XXXX, 2023 Re : Account # XXXX To Whom It XXXX Concern, XXXX, EQUIFAX, XXXX I XXXX your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state XXXX 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX XXXX please attachments, thanks
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to express my dissatisfaction with the decision to permanently limit my PayPal account with the email XXXX. I strongly believe that this limitation was made in error and that I have not violated any PayPal policies. 

I would like to request that PayPal re-investigate my case and restore my account if possible. I understand that PayPal takes fraud prevention very seriously, and I assure you that I have always conducted myself with the utmost integrity and respect for PayPal 's policies. 

I have used PayPal for many years, and it has been an essential tool for me to conduct business and make payments safely and securely. I have never had any issues or disputes with PayPal in the past, and I am confident that I have always followed the guidelines provided by PayPal. 

I respectfully ask that PayPal reconsider their decision and provide me with an explanation as to why my account was permanently limited. If there was any misunderstanding or confusion, I would be more than happy to clarify any details necessary. 

Thank you for your time and attention to this matter. I hope that we can resolve this issue promptly and amicably. 

Sincerely, XXXX XXXX
Product: Debt collection

I have an unverified accounts from XXXX XXXX XXXX  AND XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX  AND XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX AND XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX  AND XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a notice from an official at my school, saying that one of my teachers was downsizing and selling her XXXX XXXX XXXX  accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through XXXX XXXX, which is connected to my debit card at Wells Fargo, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. 
The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my Wells Fargo bank account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at Wells Fargo, one of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that XXXX XXXX is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is one of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at Wells Fargo, because he already told me I couldn't get my money back. 
I then tried going through XXXX XXXX XXXX on XX/XX/2023, because Wells Fargo told me that the purchase was not made through them, but through XXXX XXXX  XXXX XXXX repeated what Wells Fargo told me and it felt like I was going in circles looking for an answer to this scam. I tried re-filing the dispute with Wells Fargo, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either Wells Fargo or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for the permissible permission used by Experian and XXXX XXXX XXXX XXXX to access my credit report in XX/XX/2017. I have not received and they do not give me any information.
Product: Checking or savings account

Someone opened an account in my name at Key Bank.. I received a debit card for a checking account opened in my name at Key Bank. I do not or never have had an account with Key Bank. According to Key Bank, the account was opened on XX/XX/2022. I reported this to the fraud department at Key Bank and they have put a hold on the account and have started the process to close the account. This account was opened on line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX  XXXX I have 1 missed payment on XX/XX/XXXX date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$4600.00} date open XX/XX/XXXX, XXXX XXXX XXXX I owe {$27000.00} date open XX/XX/XXXX, XXXX XXXX XXXX XXXX I owe {$18000.00} date open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments date open XX/XX/XXXX, XXXX XXXX XXXX XXXX late payments date open XXXX are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with it's platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost founds was impossible and that tracking these funds was unfeasible. The CFPB 's findings has indicated that zelle has not only neglected to protect consumers but has also allowed repeat offenders exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.