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

I tried fixing this problem about ( me ) having some unauthorized inquiries with Transunion before, Transunion just comply with some part of the issue, but they missed to delete 1 unauthorized inquiry, I believe it was an error but I want to fully make sure they comply with the issue I am having right now, Before I DEMANDED FOR IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. an Affidavit of truth and a cease of desist was certified mailed to their location. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX. 

They deleted the first 4 inquiries but they did not delete XXXX Date of inquiry : XX/XX/XXXX. 

they send me a letter ( attached with this complaint ) One part of the letter say " YOUR WRITTEN AUTHORIZATION MAY NOT BE REQUIRED TO CONSTITUTE PERMISSIBLE PURPOSE. PLEASE NOTE THAT YOUR SPECIFIC CONSENT TO THE RELEASE OF YOUR CREDIT INFORMATION IS NOT NECESARRY FOR A PERMISSIBLE PURPOSE.

Transunion still in violation of 15 USC 1681b ( a ) ( 2 ) in violation of 15 USC 1681n ( b ) in violation of 15 USC 1681 ( a ) in violation of 15 USC 1681 ( b ) in violation of 15 USC 1681r in violation of 18 USC 1028A ( a ) ( 1 ) in violation of 18 USC 1028A Aggravated Identity Theft ( c ) ( 4 ) in violation of 18 USC 1028 Fraud and related I never gave TRANSUNION any written consent to report unauthorized inquiries on my consumer report, No consent is Identity Theft.

Any person who obtains a consumer report from a consumer reporting agency. under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency. for actual damages sustained by the consumer reporting agency. or {$1000.00}, whichever is greater.
Product: Credit card

In XX/XX/year>, I got an email from Bank of America advertising their credit card with a {$300.00} bonus if I spend over {$1000.00}. I got approved and got the credit card. I spent over $ XXXX which makes me qualify for the {$300.00} bonus. They even got an email telling me I got the {$300.00} bonus. The next thing they did was closed my account and I was ok with that. Now they said because they closed my account, they will not honor the {$300.00} bonus that I was promised. This is a blatant deceptive advertising and a clear bait-and-switch scheme. I was not late on any payment and had full intention of making my monthly payment.
Product: Student loan

I have been unable to determine how much I am actually supposed to pay for my student loans. Some of my loans are in the SAVE plan, yet other loans are not. I am unable to contact anyone either via email or the phone to determine what my loan status is. I have received 3 different amounts for payments, yet none of them make any sense. I find it absurd that we have to use companies that seem utterly useless for student loan repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a cyber security breach. According to Equifax, my information might have been compromised.
Product: Debt collection

I received a notification on my credit report stating I owed this collection company called Wakefield and Associates money. They have never spoken to me or mailed me anything and they put this on my credit report without talking to me. I don't recognize them and don't even know what they are trying to claim I owe them. I don't even have a way to contact them because they have never contacted me.
Product: Vehicle loan or lease

I originally put down XXXX dollars on my car, my car is a XXXX XXXX XXXX, with low miles, the full price of the car was XXXX XXXX But, to my knowledge, the dealer took out a full loan of that XXXX dollars, so it was as if I didn't put anything onto the car, I make my payments every month on time, but every time I pay say XXXX dollars, they hit me with an high interest rate so they would charge me XXXX, so its as if I didn't payanything onto the car, I had really good credit scour of XXXX when I first bought the car, and I don't understand why my arp is so high, so now I know I will never be going trough ( Credit Acceptance ) ever again to get a car loan. So far I put in XXXX dollars, which is the majority of the car, meaning that I only should have XXXX dollars left to put into the car, yet my total says I still oww XXXX dollars which makes no since especially for a car that old, I might as well went and bought a new car. is there any way I can get help to get out of this contract
Product: Credit card or prepaid card

I have purchased a fridge on amazon.com on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but when we opened the packaging there was a huge damage to the front of the fridge so I rejected the fridge and refused delivery. The amazon driver was still at my home so he called amazon and he was told to return the fridge back to Amazon warehouse on XX/XX/2022. Until today XX/XX/2022 I still have not received a refund on this item from amazon. I called synchrony bank and disputed the charge of XXXX dollars from XX/XX/2022 against amazon on XX/XX/2022 but Synchrony Bank is NOT helping me resolve the issue and they have not given me a credit for the disputed amount and they have not resolved the issue. This charge is for an item that was rejected and refused delivery and returned back to amazon. I do NOT have the item and synchrony bank should resolve the dispute to my benefit and issue me a refund and a credit to my account for XXXX dollars. This is a very simple disputed charge claim. The item was returned to the seller so I should get a refund of my money XXXX dollars Transaction date is XX/XX/2022 Amazon.com for XXXX dollars
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

this debt is from XXXX  when my mother was a primary on the XXXX  bill and she passed away during XXXX  and the debt was transferred to me and passed around between collecters. this debt does not belong to me and is ruining my chances of getting a car, a home, or a future in general.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included.

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 168
1a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

1. " You are in VIOLATION of FDCPA. You can not charge me more than 20 of the orignal dept owed. Yet this collection agency CHARGED ME more than 30. This is ILLEGAL and a CLEAR VIOLATION '' XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and XXXX XXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXXXXXXXXXXXXXX**** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 



Sincerely yours, XXXX XXXX
Product: Checking or savings account

Bank of America routinely manipulates the timing of debits and credits in our account so that checks we write clear just before direct deposits are credited to our account. This happens on the date of our monthly payday regularly. Nearly every month, we are charged an insufficient funds fee no matter how closely we manage purchases and checks written. 

I notice that Bank of America offers no way to make a complaint in writing when one attempts to register one online. One must first attempt to resolve the issue via phone. Among other things, this means there is no opportunity to establish a written record of the complaint. 

I seek the refund of insufficient funds fees that have been assessed on numerous occasions entirely because of the bank 's bad faith practices.
Product: Credit reporting

I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016
Product: Debt collection

Company was trying to collect phantom debt that was already paid years ago and did not attempt to validate debt until a complaint was made to the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of the XXXX. XXXX, XXXX account on my credit report, showing as a collection with a balance of {$4400.00} on XX/XX/year>. I do not have an account with XXXX XXXX XXXX or a contract with XXXX. XXXX, XXXX Additionally, my personal information was part of the Equifax XXXX breach. I've been disputing this account over and over since I've noticed it, and haven't gotten any remedy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), I request this account be investigated and removed, unless XXXX. XXXX, XXXX can verify any contract between ( XXXX. Systems, XXXX And XXXX XXXX XXXX Remedy Is to Immediately Remove account off of my report
Product: Debt collection

Checked my credit score and had a account added that does not belong to me.
Product: Payday loan, title loan, or personal loan

I took out the paid all but XXXX got Ill and couldnt pay it off. My bank closed out my back up debit pay system. Now threatening to have me arrested and sold debt 2 times. Now attempting to throw me in jail. Offered to pay them they refused to send me anything writing. Only would accept debt card or credit card payments refused to identify who they were there mailing address. I never received any letters about the remaining debt and now they want a full XXXX called from unknown number stating if I didnt comply I would be arrested. Called from XXXX gave a case number XXXX hung up on me multiple times and called my ex wife and threaten her she has XXXX XXXX and XXXX called me in tears. Spoke to 4 different people 4 different times. I never received any letters regular post or certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian that the last date active arent accurate with my credit report and That I need the Original contract Pay off disclosure Interest rate disclosure Balance history Payment history From this accounts XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX
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 has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Account XXXX XXXX XXXXXXXX XXXX  : {$8900.00}
Product: Checking or savings account

I was Wells. Fargo customer for the last 9 years, and I never had or caused or violated any of Wells Fargo 's policy ; however I was denied to use XXXX permanently. I'm out of country, and I receive and send money via XXXX for the last 8 years without any problem. There's no fraud, if so Wells Fargo has to prove it to me. I was discreminated for no obvious reason. I called so many times, almost, every day to resolve this matter through customer service and supervisor, but they're failed to provide me enough reason. Therefore, I need your help to settle this matter as soon as possible. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA XXXX XXXX. XXXX XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C XXXX XXXX XXXX XXXXno permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 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 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 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 All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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: Debt collection

I have been receiving phone calls from XXXX for XXXX a year. I have received as many as XXXX calls a day. I do not owe money to anyone and the person has neglected to say who I owe money to. I have told them to stop calling but they still persist. I have never received any communication as to why I am getting these calls. They even call on the XXXX. I have all call records from my cell phone, which is also registered on the Do Not Call registry.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Request for Immediate Deletion of Two XXXX XXXX XXXX XXXX  Accounts To Whom It May Concern, I am formally disputing the reporting of two XXXX XXXX XXXX XXXX XXXX accounts on my Equifax credit report. These accounts are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which states that derogatory accounts can not be reported beyond seven years from the date of first delinquency. 

I stopped making payments on these accounts over eight years ago, yet XXXX XXXX XXXX  is falsely reporting recent activity to manipulate the Date of Last Payment and artificially extend the reporting period. This practice, known as re-aging, is a direct violation of the FCRA. 

Pursuant to 15 U.S.C. 1681i, I request an immediate investigation into this inaccurate reporting. If XXXX XXXX XXXX  can not provide verifiable proof, in compliance with the FCRA, that I have made payments within the past seven years, these accounts must be permanently deleted from my credit report. 

Additionally, I request a written statement confirming the deletion of these accounts once the investigation is complete. If Equifax fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I expect a resolution within the 30-day timeframe required by law. 

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

Creditor - Prosper Personal Loans Cares Act Reporting - 30 days late reported XX/XX/XXXX Action - My loan account was placed on Cease and Desist, I did not ask them not to contact me or authorize this order. 

I currently have an installment loan with Prosper. As of XX/XX/XXXX I lost my second full time job because of lack of work due to the COVID 19 pandemic. The circumstances caused an overwhelming elevation of stress of covering two mortgages, utilities and other misc bills that had to be paid. 

In the past I had received reminders via email and phone calls ( on my cell XXXX ) from Prosper for upcoming payments. I grew more concerned because I realized I missed the due date. I confirmed my contact information with them during this particular call. The phone number they had on file for me was XXXX, I had this number 14 years prior. I asked why hadn't they called the number listed on my application or e-mail address? 

'Upon speaking with a Prosper representative and they said my account was on a Cease & Desist order. I explained I did not give them notice to cease or desist. They chose update my account status due to a rude representative I spoke with in XX/XX/XXXX or XX/XX/XXXX, unbeknownst to me. I did not ask for a Cease and Desist order. 

I asked them to remove that order and it is alright for them to contact me in the future. I also asked if there is anyway I can have the 30 day mark removed and I explained the circumstances that led to this occurrence. I then disputed with Prosper internally and gave my employer number to verify job loss and date. The employer used my vacation hours to exhaust the remaining PTO. 

I have since then cured the past due balance as they have been unwilling to help me this one time. I also hired a third party agency to intervene. I feel bad because I had never been 30 days late and this truly hurt me. As a consumer I due depend on the reminders and I understand I should have been more responsible. I was severely impacted and events leading up to the 44 % income loss made things almost unbearable. 

Prosper did not volunteer any forbearance opportunities, I had to ask if I could skip a payment and other options etc. They were not helpful during the initial Cares Act non-reporting period beginning on XXXX. And to date I believe my account status remains as DO NOT CALL.
Product: Checking or savings account

Somebody opened a checking account with Chime.com using my name, email and SSN. Despite me having credit freeze with all three credit bureaus Chime.com opened the account and sent a credit card to that person. I received emails from Chime.com that they are sending this CC to some address, unknown to me. Upon learning this, I asked Chime.com to close my account immediately, which they did. It is outrageous that Chime.com were able to open this fraudulent account despite me having credit freeze with the credit bureaus. What's the point of credit bureaus if they can't prevent such a simple fraud?
Product: Debt collection

Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of fraudulent information from my credit report as allowed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 605B, you are required to block this information within XXXX business days. The following accounts were opened fraudulently due to identity theft : 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