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

Unauthorized Credit Inquiry To Whom It May Concern. 

This letter is a follow up to my original letter regarding a inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies. 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. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights.
Product: Mortgage

My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers, phones or employees. We finally found an employee who told us that the loan consultant that we were looking for was no longer with this company. He had moved to a new loan company that moved down the hall. According to XXXX 's website they opened this new office XXXX XXXX. My understanding is that it takes at least XXXX weeks for a loan consultant to move from one company to another so this particular agent knew many weeks prior to his move that he would be leaving Caliber. We met with the office manager of XXXX and was told she could not talk to us because we were n't her client but she did acknowledge that she knew the buyers name. The buyers have had to go elsewhere for their loan. 
I believe that this agency was unethical and did not put the customer first. I think they forgot that the 'customer comes first ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX LVNV Funding LLC RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. The listed account is also not XXXX  compliant.

Account ( s ) in question include : Account name : LVNV Funding Account number : XXXX I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to and documentation displaying full account numbers as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Additionally, it is my understanding that this debt was written off and filed as a loss on the original creditor 's business taxes. Therefore, the new classification for this debt is now reported as income by the original creditor. By law, income can not be reported on a consumer 's credit report. For this and other fraudulent reasons, I am strongly requesting deletion of this invalid, erroneous and fraudulent account. This is not a request for an investigation. Please delete. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XX/XX/year> : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B. 

XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B.

XXXX XXXX XXXX XXXX this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear CBNA, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX state law concerning identity theft and consumer protection.

It has come to my attention that CBNA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for CBNA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that CBNA immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that CBNA will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase from XXXX for a crypto mining machine in the amount of {$25000.00}! I charge it on 4 credit cards, 3 in the amount of {$5100.00} each and 1 for {$10000.00}! They never shipped my machine and told me on several occasions that the item was going to ship but never did! On XX/XX/XXXX I sent them a message to cancel the order! On XX/XX/XXXX I disputed the charges on all 4 credit cards! 3 of the credit card companies credited my credit card because the company never shipped the item to me! The XXXX card Synchrony Bank did not credit my card! I disputed the charges and went through 3 disputes with Synchrony Bank that were all turned down because the seller stated that the machine was shipped but was not and the seller did not show any proof that the machine shipped! Then seller stated that it was a special order, it was not! This machine has never shipped and the seller stopped communicating with me! 
This is a XXXX 's XXXX XXXX issued thru Synchrony Bank
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of the account associated with XXXX XXXX XXXX that is being inaccurately reported on my credit report through XXXX XXXX and TRANSUNION. 
This account is not mine, and XXXX XXXX XXXX is a debt collector, not the Original Creditor, as incorrectly listed. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit reporting agencies be accurate and verifiable. 

Additionally, it appears that this account was not properly verified or investigated prior to being added to my credit report. This failure to ensure accuracy and compliance with the FCRA has caused significant harm to my credit profile and must be rectified immediately. 

Failure to address this matter promptly will result in further action, as this incorrect reporting violates my rights under the FCRA. 
Please take this matter seriously and ensure the appropriate corrective action is taken immediately.
Product: Credit reporting or other personal consumer reports

Hello! I recently review my credit report and i was shocked to learn that ive been a victim of identity theft. I found account on my credit report that were not opened by me. This has been hurting me as im in a process of buying home for my family. Please remove this fraudulent account from my credit report as soon as possible.
Product: Debt collection

Dear SELF FINANCIAL/LEAD BANK I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

USAA closed my accounts without notice but is holding the funds that are legally mine. The funds include my VA XXXX pay and military retirement. USAA knowingly placed me in hardship without offering any compromise. I even had a secured CC that I paid to a zero balance which wouldve at least allowed me To eat and have shelter for these past 4 days.
Product: Credit reporting or other personal consumer reports

I, XXXXXXXX XXXX XXXX XXXX XXXX, IN Florida, XXXX XXXX XXXX MAKE OATH AND SAY THAT : XXXX. I have never had an account with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts pursuing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days of this notice. 

Name XXXX XXXX Address XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Social XXXX
Product: Credit card

I purchased an airline ticket and was refused service. I then asked for my money back and was also refused a refund from the airline. So I filed a dispute with Capital One, my credit card company and the one I used to make the purchase. They initially credited my account back while they did an investigation. A week or so later they denied it and reversed the charge apparently because I put this dispute as a " cancellation ''. Meaning they thought I tried to cancel the ticket. I explained to them over the phone that I was denied service. They asked me to send in documentation of my tickets and a summary of the events which I did. A week later I get a letter from stating they didn't receive sufficient information from me. The rep that I spoke to again references that I put this as a cancellation and they have proof that this was a valid purchase and cancellations were not allowed. I again explain to them multiple times that this was not a cancellation and instead a refusal of service. And I explained all of this in a XXXX page document that I sent to them. They act like they don't know what I'm talking about and that there is nothing they can do. And tell me to contact the airline company. 

This incident cost me over {$5000.00} in missed lodging and tours. The last thing I want to do is pay for an airline ticket that I was refused service for. I ended up having to buy a brand new ticket from a different airline. Out of all people, I would expect my credit card company which I've used for years would have my back. But their outsourced customer service is really bad. I've submitted documents of proof and everything they've asked for. I've called in and spoke to multiple reps, none of them seem to have any understanding of the situation.
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized account. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX DOB- XX/XX/XXXX SSN- XXXX Email- XXXX Phone- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Account that need to be removed XXXX XXXX XX/XX/XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed, On account off of my report for XXXX XXXX Is XXXX. Amount of XXXX XXXX XXXX XXXX dollars ( XXXX ) They also have not reflected The proper critics score. 
In addition, Equifax, XXXX, XXXX Are not reflecting proper credit age.
Product: Debt collection

My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to call XXXX to report that someone took out an installment loan for {$500.00} using my social security number or with my social security number registered to their account. I can not get through to this online lender despite five or more tries. Because someone else used my social security number, I am not the client that is recognized. The loan is now delinquent and is be reflected on my credit reports, despite the fact that I did not ask for or establish a loan and my social security number is either being used in error or fraudulently. 
The loan was taken out on XX/XX/2021, according to XXXX etc. I had a fraud alert already established ( on XX/XX/XXXX ) despite this a new installment loan was issued by MoneyLion. The amount of the fraudulent installment loan is {$500.00} and the XXXX payment is delinquent by whomever fraudulently took this out.
Product: Debt collection

My account is still in collection and its been XXXX  years and Im still paying for it through debt solution.
Product: Debt collection

Debt Recovery Solutions Inc reported to all three majors credits bureaus that I owed them a balance. I did not receive a notice of right to dispute this debt nor enough supporting information that validate this debt. This action violates the law which states that a collection agency is required to provide consumer with an information notice to dispute, give the consumer 30 days to dispute, request supporting information to confirm the debt. Meanwhile all collection activities must be ceased until information is provided to consumer. I have received nothing from Debt Recovery all I see is a negative mark on all my credit report.
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX  XXXX : XXXX, XXXX : XXXX, XXXX XXXX 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.