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

Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and derogatory account removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List of unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Fraudulent Account : XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act sections 604 605 608 609 610 611 states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Product: Credit card

Review the enclosed documents. I request the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my consistent on-time payments.
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. 

XXXX BANK XX/XX/2024 15 U.S. Code 1681e - Compliance procedures 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 I am writing to bring to your attention a discrepancy I identified upon reviewing my consumer report, specifically pertaining to XXXX instances of reported late payments on an account where I have consistently maintained a timely payment history. 

Recognizing the pivotal role that consumer reporting agencies play in maintaining the integrity of individuals ' credit histories, I hold a high regard the responsibility to ensure accurate and precise reporting. It is imperative that consumer information is reported with the utmost accuracy to preserve the integrity of credit profiles. 
upon thorough examination, I have ascertained that the reported late payments are inaccurate, as I have consistently upheld the terms of my financial agreements by remitting payments in a timely manner. Consequently, I kindly request the expeditious correction of these inaccuracies, with the appropriate adjustment to reflect the accurate status of " paid as agreed on time ''. If not please provide proof with statements that these payments have not been paid on time. If proof can not be provided I demand these payments be updated to paid as agreed. 

To Facilitate this process, I have attached a screenshot. I appreciate your prompt attention to this matter and trust that the necessary steps will be taken to rectify the inaccuracies promptly. 

Also please investigate the inaccuracies that has been reported differently between the credit bureaus XXXX, Equifax XXXX XXXX should all have similar and accurate information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.
Product: Debt collection

Hunter Warfield was purchased a debt I owed to an apartment complex to the amount of {$4900.00}, however they are not licensed to collect in the state of South Carolina. In addition to I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3500.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$16000.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to XXXX XXXX which means its stopping me for buying a home this matter has been stressful and XXXX I am now homeless and need these inquires off my credit report Inquiries : 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
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. 

XXXX XXXX has violated my rights by adding multiple hard inquires to my credit report when I have consistently chosen the preapproval option and it keeps pulling hard pulls and not soft, XXXX  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 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

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

I had no problem accessing my credit report on XXXX which has nothing because I have no credit cards, no debts, no loans, nothing and I haven't in the past 10 years. When I went to XXXX they made me upload my driver 's license as verification then claimed I had a different email, one that starts with a XXXX. They would not let me dispute my email or do anything else. They completely shut me out. When I went to Equifax I had a similar problem. They claim I have an auto loan and two credit cards opened within the last 4 years. I have not. And they also have the wrong email address, one that begins with a XXXX. They would not let me dispute anything either. They also completely shut me out. 


I have been trying to access my credit report at Equifax. It's supposed to be free but I can't make it past the " verification questions '' which have credit cards and vehicle loans and a name which does not belong to me. My last name is not XXXX. This is NOT on my social security card nor is it the name I was born with. They have the wrong state, wrong address, and wrong phone number. I was divorced in XXXX and they have put all of my ex-husband 's debts on my report which are not in my name or my responsibility. This is the only information I can glean from the " verification questions '' as I still can not see my report. XXXX had no problem giving me my credit report and was somewhat accurate. At least there were no debts which is accurate. They did have some addresses that were not mine which they are correcting. Equifax, however, keeps claiming they need another 60 days to work on it then does nothing. There should be a process by which people can prove who they are with a notarized copy of birth certificate or driver 's license or something. Equifax gets money from reporting debts that don't belong to me by raising my rates on everything.
Product: Mortgage

THIS IS ABOUT MY MORTGAGE WITH FAY SERVICING. MY MORTGAGE WAS UNFORUNTATELY SOLD TO THESE CROOKS AND I'M LOSING MY MIND TRYING TO SORT THIS SITUATION OUT. 

I pay my mortgage bills automatically from my bank every month. I also travel a great deal and am not home to read conventional " snail mail. '' It turns out that my mortgage was sold to a new provider ( frankly, this type of resale should be outlawed, but that's a separate matter ). Several months after this had occurred, I updated my automatic payment information with my bank to send payments to Fay Servicing. And I thought that was that. 

Months later, I started to receive ominous notices from Fay Servicing indicating that I haven't paid. I've been served a foreclosure warning from them which is ludicrous. It seemed that there was ONE month where my checks from my old provider hadn't been forwarded to XXXX and I have paid that ( and still need to sort out that payment with my old provider ). That said, the payments I HAVE BEEN SENDING TO FAY SERVICING have been CASHED and yet they insist they haven't received them. I've sent the copies of the cancelled bank checks MULTIPLE TIMES NOW - and they always act as if they haven't received this evidence ( either via email and fax ). 

I have noted that the account number on my bill seems to be different than the account number of my " notice of resale '' letter ( which I no longer have )- and I pointed out to XXXX that I think they've directed my missing payments to another account - and STILL THEY HAVE DONE NOTHING. 

I have ( had? ) a near-perfect credit score. I'm a reputable XXXX at a large company. I pay my bills and I always have. I own XXXX homes. I pay my credit card in full every month. I have been treated like the scum of the earth by Fay Servicing and I'm trying to find out how in the world I can get this resolved. 

Please help - the individuals with whom I've spoken at XXXX seem to have no customer skills and seem to indicate I'm the one scamming them. I've never been treated so poorly by any institution anywhere in the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a notification from my Experian app that an inquiry was added. I discovered there was an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX and upon further investigation, another from XXXX  XXXX XXXX on XX/XX/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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX RENEWAL BY A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer.

These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :.

Secondly, according to 15 USC 1681,. The law clearly states :.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. 

Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. 

They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. 

They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. 

My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
Product: Credit reporting

TransUnion has XXXX XXXX Bank on my Credit Report and XXXX XXXX Bank has been paid in full and on time. TransUnion is still showing I owe XXXX XXXX bank {$260.00} and I should have a Zero Balance. I have informed TransUnion about this matter to no avail. I want an Investigation into TransUnion because only are also Guilty of Discrimination in Reporting of their Credit Score.
Product: Credit card

I been with USAA for XXXX  years I wanted to close a credit card to increase my credit rating. So I paid it off. Closed it THEN USAA XXXX XXXX XXXX {$30.00} ... after I closed th account I told them I wasn't going to pay a fee for something I don't use XXXX have Then then the dinged my credit rating. 

So I paid them their {$30.00} No explanation..or apology..noting I would have an excellent credit rating if it wasn't for this.. 
I want my credit rating restored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XXXX  SSN : XXXX XX/XX/year> RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - 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

Equifax is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they are reporting. I numbered some Equifax credit reports to refer to in this complaint.

1. I have sent several letters to Equifax ( six are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

3. Attach all information requested above to complaint to validate this alleged debt or remove erroneous account not validated on my credit report. Investigation information was not sent per my request and per the fair credit reporting act therefore these accounts can not be my accounts and must be deleted.
Product: Credit card or prepaid card

I was initially contacted by Avant on Thursday, XX/XX/XXXX. Initial contact was made by their fraud department to verify three charges that were flagged as suspicious. I identified all three charges as fraudulent and not made by me and they responded that they would research them further. Since then the charges have moved from pending XXXX accepted and now my account shows that I owe {$270.00} which was the total for all three fraudulent charges. These charges were all done in even amounts and seem like they were sent to individual people somehow. I called again the following day which was a Friday to confirm that the charges had been removed from the account and they advised me that they were still investigating. After hearing nothing I again called today XX/XX/XXXX to ask what the latest was on this case and was advised that I would have to pay for the charges and if they were found to be fraudulent they would refund my payment. This is unacceptable and as a result, I advise them that I wish to close my account. According to XXXX XXXX liability protection policy I should not be held responsible for unauthorized transactions and in this case, Avant is holding me responsible for transactions that were not made by myself. I did not make these charges on my card and am a victim of fraud and Avant is still making me pay for charges on this card.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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