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

In Accordance to the Fair Credit Reporting Act 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 There are Hard inquiries unauthorized by me on my consumer report.

i attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax and they have failed to investigate inaccuate and unverfied information on my credit report inteqad they sent me a bougus letter stating they could not locate me. This is illegal to have inacurrate items on my credit reoort when in fact they have no proof, thy even said they could not locate me. I am extremely stressed and feel that Equifax should be held by the law to delete these negative items from my credit immeditately. it illegal what you are doing and this is damaging me.
Product: Credit reporting or other personal consumer reports

Re : Request for removal of Unauthorized Inquiries To Whom It May Concern : WHAT IN THE WORLD IS GOING ON HERE?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT ONLY THE PERMISSIBLE PURPOSE FOR PULLING A PERSON 'S CREDIT REPORT IS : 1. A FIRM OFFER OF CREDIT 2. INSURANCE 3. AN APPLICATION F OR EMPLOYMENT 4. A COURT ORDER Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX XXXX XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT XXXX  XX/XX/XXXX PLEASE REMOVE THIS FROM MY CREDIT REPORT 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 a serious breach of my privacy rights.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY!!! THANK YOU
Product: Money transfer, virtual currency, or money service

I paid for a service & good that never made it to my destination! & I was denied of a refund which I think is insane since Im the consumer whos been scammed out of {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurate provide accurate information on my report, which has caused me and my family catastrophic consequences against me & my ability to obtain viable employment as well as credit to provide a home for my family. 


Title 15 1681i. & FCRA Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

TransUnion had previously deleted the 7 XXXX XXXX XXXX accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. & FCRA 611Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

TransUnion has also deleted and reinserted 19 Hard inquires on my credit report, I requesting proof of notice sent to me of the re-insertion of these items or the immediate removal.

Im request proof that this notice was submitted to me after re-inserting the ( 8 ) accounts from the XXXX XXXX XXXX back on to my Transunion report along with dates verifying the submittal to me. or the immediate removal of the 8 accounts from the department of education.

I have uploaded two reports from TransUnion one dated XX/XX/XXXX that does n't show the XXXX XXXX XXXX accounts and TransUnion reported dated XX/XX/XXXX showing the re-insertion of 8 accounts from the XXXX XXXX XXXX there are reports showing those accounts as included in Bankruptcy removed and now reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing and sending letters to the credit bureaus about the inaccurate information they are reporting on my credit file The credit bureaus automative verification has damaged my credit everytime i dispute and show proof the or ask them to show proof of there method because i have consumer rights but they violate them.
Product: Credit card

I have been paying back a vet bill for about a year now, I inquired about a card security fee that was never advertised when I swiftly applied for this program due to an unforeseen emergency with my animal. I asked the reasoning for this charge with the following response, and then after paying my bill in full asked to cancel this fee, as I never agreed to an additional charge knowingly. I am nervous they will continue charging me for something I dont want, and I do not want to cancel this service and have my credit impacted in some shape or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : 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 XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This closed account is fraudulent and unauthorized as I was a victim of Identity theft. Please remove the mentioned account from my credit report in accordance with FCRA 605B ( 15 U.S.C 1681 c-2 ) which states that these accounts must be removed within 4 Business days of receipt. I have no knowledge of this account as I was only XXXX XXXX XXXX. I reached out to Equifax to remove the item and they have not been able to assist me. I sent Equifax my dispute letter, FTC report, and 2 forms of identification but have not received a response since the date of this complaint.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX. I was interested in buying a treadmill off of an app called XXXX and I thought it was legit but it turned out to be a scam. The next day Thursday XX/XX/XXXX I payed the person that scammed me {$660.00} off the XXXX app. The scammer continued to ask me about sending a screenshot of the payment and I sent it, and they continued to lie. I contacted my bank which is TD bank and there was nothing they could do. I then contacted my XXXX and no one answered their phone and they said to contact my bank if I have any issues. I just need help with getting my {$660.00} back because this shouldnt have happened to me, and this person that scammed me seemed legit but they werent.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, XX/XX/2024, I have received a document from your bank regarding some dispute request on some credit card. The document does not have any information to tell me which credit card your company meant. Also, after checking the Bank of American online account, I could not recognize the case number. The case number of the document does not correspond with the case numbers on the documents kept in the bank website data. Therefore, I request your company investigate the document mailed to me. 

Sincerely,
Product: Credit card

I am unable to hear and use XXXX XXXX XXXXXXXX ( XXXX ). I lived in XXXX for three months and before leaving for the XXXX, I made sure to pay all my bills using my credit cards and online banking. However, when I attempted to pay my bills, my home seemed may not have had a strong Wi-Fi connection. As a result, I thought the online bank transactions went through and closed my laptop in XX/XX/year>. I did not receive any XXXX  reminders or calls from USBank, possibly due to weak internet or network issues in XXXX. As I was busy with my university internship work as an advocate for an organization in XXXX, I didn't check my personal email regularly. When I finally had time to check my email at the end of XXXX, I was shocked to find out that my credit limits had been drastically reduced from {$4000.00} to {$600.00}. I contacted the company and was informed that it was due to missed payments. I explained my situation and how I had always been loyal to USBank and had never missed a payment in the past 30 months. However, the bank was firm and refused to reconsider. I was very upset by their decision, especially considering my loyalty to them over the years. I returned XXXX on XX/XX/year>.
Product: Debt collection

I have received four phone calls that I did not pick up with no voicemail left and seven text messages. The first call was on XX/XX/XXXX, and the first text message came on XX/XX/XXXX. They have not sent any official documents to my home, nor have I received any email communication regarding my " debt. '' They claim in the text messages, " This message is regarding your XXXX XXXX account originated by XXXX XXXX XXXX XXXX which is now owned by XXXX XXXX XXXX XXXX XXXX. '' I do not live in Missouri, and I have not even stepped foot in the state before. I also have never owned a XXXX. In the first text message ( XX/XX/XXXX ) they claim I can settle my debt for {$24.00} per month for 20 months. In following text messages ( XX/XX/XXXX and XX/XX/XXXX ) they give me an offer to " resolve for less than the full balance '' with a one-time payment of {$340.00} with the line, " We request you review by : XXXX. '' Then on XX/XX/XXXX they offered a " further-reduced offer amount '' of {$240.00} which they asked for me to review by " XX/XX/XXXX. '' The text messages have alternated between offering the monthly payment plan and one-time payment plan. 

I have checked my credit report and have {$0.00} of outstanding debt and XXXX collections on my file. I have never overcharged a card of mine or missed a payment. This is not my debt, and I doubt that it is real to begin with. 


Dates of text messages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates of Phone calls : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The young lady I talked to said that I already have an account with them but I never opened one and they said the person is using my social security number all of my information Bank information everything but my name the account is under a different name and she wouldn't give me the name of the person that's on the account and it was open XX/XX/2023 and it was not me the young lady wanted me to send a picture of my ID the front and back but I wasn't comfortable with that since she said that somebody's using my name can you please check this out for me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Please delete the following accounts from my credit files asap due to FCRA 623 THE LAW IS VERY CLEAR CREDITORS MUST MUST enter consumer dispute message on the report delete the following accounts ASAP XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts had been updated many times and its time for you to remove them. 
ASAP THEY CAN NOT REPORT ON THE CREDIT FILE ALSO ENCLOSED HOW MANY TIMES THESE ACCOUNTS HAS BEEN UPDATED FROM YOUR COMPANY AND THESE MESSAGE HAD NOT BEEN ADD IT REMOVE IT ASAP YOU HAVE TO DO YOUR JOBS AND FOLLOW THE LAW THE LAW IS VERY CLEAR
Product: Credit reporting or other personal consumer reports

Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Ive never been late on this account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. XXXX XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.
Product: Debt collection

I received a collection letter from XXXX XXXX and associates regarding a child that is not mine and I have no legal obligation to. 
My daughters friend was at our home and injured herself. Her mother does not live in XXXX she stays in Tennessee, therefore I took her to the hospital to be treated. 
When I arrived to the hospital I had to give my information for her to be treated as she is a minor. 
I should not be held responsible for this bill it should be the responsibility of the parents. 
I explained this to XXXX XXXX and XXXX and they are saying XXXX still legally obligated for the bill.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( DFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name ( 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 602 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXXXXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.
Product: Debt collection

The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from XXXX XXXX XXXX for a debt from Nissian. I never heard from Nissian or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called Nissian regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. Nissian never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from Nissian or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.