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

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from Exeter Finance LLC, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiries dated XX/XX/XXXX and XX/XX/XXXX from Exeter Finance LLC that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency.

Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the XXXX period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than XXXX business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system.

The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe.

Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely.

I have urged Exeter Finance LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within XXXX  days to ensure the accuracy and fairness of my credit report.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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  and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Around XX/XX/2017, my car was repossessed for non-payment. I was not notified of what would happen after the repossession as far as if my car was sold to an auction, if i had a remaining balance, but they were so eager to call me ten times a day harassing me for payment. I am sure that there is a law in Florida for this. My car was repossessed twice by these people, Santander/XXXX. I told them that I was having financial hardship. Customer service XXXX. They are reporting two different amounts due, which I will be showing proof of. It is making my credit score look terrible and this needs to be resolved.
Product: Credit card

XX/XX/XXXX original purchase date Purchase a chair approx {$370.00} with special financing. Contacted creditor XX/XX/XXXX attempting to pay off this debt I requested information on how payments were applied so confirm the applicable amount that was need to pay off this debt ahead of the fixed term to pay for the item in full The representative provided the information and I made the payment believe he said it would take a billing cycle for the debt to fall off. I waited as instructed and the item did not fall off so I call back in XXXX and get another rep. Todays this matter has not been resolved. Wells Fargo BObs discount furniture is operating under predatory lending practices. Scam
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with XXXX and Equifax. which i decided to report this to you for help, please help me.
Product: Credit card

I received an unsolicited call about my Old Navy ( Barclays ) credit card account in the XXXX of XXXX. During the call, I was informed that my account had been locked due to suspected fraudulent activity. However, upon inquiry, the representative confirmed no recent pending, processed, or rejected transactions on my account. When I requested further details about the alleged fraudulent activity, I was told that such information could not be disclosed without verifying my identity. 

To proceed with the verification process, I was instructed to submit photographs of highly sensitive documents, including my Social Security card, drivers license, and proof of billing address. This request is profoundly concerning and potentially risky, as transmitting such sensitive information electronically to an unknown caller could expose me to identity theft or other security breaches. I proposed visiting a physical store to provide identification in person as a more secure alternative, but this option was declined. 

Additionally, the manner in which the situation was handled was unprofessional and overly aggressive, which raised further red flags about the legitimacy of the request. As a result, my account remains locked, and I am unable to access or close it unless I comply with their demands to submit these documents electronically. This has left me feeling uneasy and vulnerable, as I believe the requested process poses significant security risks. 

To date, I have not received any formal correspondence regarding this matter. The initial contact was an unsolicited call from a nondescript number around XXXX or XX/XX/XXXX. When I followed up today XX/XX/XXXX, I received the same response. It is also worth noting that I was not required to provide such extensive documentation when opening the account, which makes the current request for pictures of my entire identity even more perplexing and concerning. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

In 2013, the validity of the collection account was disputed over the phone and all contact directed to my attorney. 
Account Number : XXXX Original Creditor : XXXX XXXX By communicating the debt to credit reporting bureaus, e.g., XXXX, without acknowledging that the debt is disputed, National Credit Systems violated the FDCPA for the failure to communicate that a disputed debt is disputed. 

For reference : 1. The " original creditor '' is no longer in business.
2. The statute of limitations for enforcing this type of debt through the courts in Texas has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving inaccurate and inconsistent reports from creditor Department XXXX XXXX XXXX XXXX I filed a hardship status for my student loans and begin to receive government assistance on all XXXX loans, these was loans was taken over by XXXX XXXX XXXX XXXX XXXX few years ago, I start noticing late payments on my credit report for student loans, after contacting XXXX I was told that department was closed down and my file was sent to another department that's handling student loans. In the process of my file being transferred to another department my credit report start getting derogatory remarks, then it went back to accurate and has maintained that status since XXXX. 

Department of XXXX XXXX has blatantly violating my rights to fair consumer protection Act, ( FCRA ), 15 U.S.C . 1681 et seq., by reporting differently to the XXXX credit bureaus with inaccurate and inconsistent information pertaining to these student loans accounts. 

Acct # XXXX shows 120 day late on XXXX, 90 days late on XXXX and 90 days late on TransUnion, on all XXXX loans that's listed with same account numbers.
Product: Debt collection

On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human be

ing, I have right under 15 usc 1681. Equifax is govern by 15 usc 1681. And they violated my right numerous of times. I demand listed below to be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money ( {$9500.00} ) transferred from XXXX  XXXX XXXX to Citizens Bank. Getting mortgage from Citizens Bank and they told us if we have an account we can save money on our mortgage. Transfer stopped due to suspicious activity. Contacted XXXX  XXXX XXXX, they told us, and sent documentation Citizens has it. Citizens says it doesn't have it. Spent numerous hours being transferred to voice mails, but still haven't heard back about getting our money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had XXXX in over 4 years. I do not know why they put this on my credit report in XXXX. I have made over 10 attempts in the last two weeks to figure out why they reported this. We do not keep records from over 18 months ago, we can not provide you with a payment receipt, our records do not exist unless you have an online account. These are all the excuses Ive received from XXXX. I disputed the item and Experian stated it was accurate. How can it be accurate if XXXX cant provide documentation of proof that this is even my bill? I paid it off because I wanted it off my credit report, now Ive been completely scammed by XXXX. How can you bill someone extra in XX/XX/XXXX when they paid you all year long and moved out in XX/XX/XXXX? This has happened to many of my friends also, XXXX stating they are owed something random. Please get this off my report because it has nothing to do with me. Hmmm shredding records at 18 months ... Various people complaining about random bills ... something sounds fishy here
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to EXPERIAN they received on XX/XX/XXXX about new information of them reporting inaccurate Information on my credit report. They relied on XX/XX/XXXX all reported information is accurate but I can clearly see inaccurate data they are reporting on my credit report. EXPERIAN denied my reinvestigation. XXXX is reporting XXXX inaccurate Address ID ( Not my address ). 
XXXX inaccurate Monthly payment ( Not Report how can there be a balance ). 
XXXX inaccurate Account XXXX ( Account is closed ). 
XXXX inaccurate Date Payment received ( Between XXXX. XXXX through XXXX. XXXX the date payment was received is XX/XX/XXXX on every month. 
XXXX inaccurate past due Balance ( can not be a balance on charged-off account according to UCC laws ) XXXX EXPERIAN DID NOT follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
EXPERIAN is in violation of CFR 607 ( b ). 
EXPERIAN is in Violation of CFR 611 ( a ) ( 1 ). 
EXPERIAN is in Violation of CFR 616. 
EXPERIAN is in Violation of CFR 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates XXXX  XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to XXXX the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission ( Refer to Publication by F.T.C XX/XX/2014 ) this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, Experian. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an XXXX  XXXX XXXX  on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops 78 this month and 101 points last month because of late payment made by my wife whereas her score drop 20 to 30 points on Experian because of XXXX.. When i spoke with XXXX XXXX while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 - someone stole my identify. After a month or two of rigorous exercises to clear my name with XXXX. I did. XXXX from XXXX worked with me to make sure XXXX was taken off my credit report on the credit bureaus. Equifax ignored their request in XX/XX/XXXX. I contacted XXXX again this year via the XXXX and they reached out to Equifax again in XX/XX/XXXX - to no avail. I've been working with XXXX XXXX from the XXXX in XXXX over the last month - Equifax has been ignoring the XXXX and sending me generic letters staying that I need to followup with the creditor. ( Which I've done multiple times and I've told them multiple times that I have and have proof that the XXXX charge was fraud. ) Nothing seems to stick with Equifax. I called and spoke to a rep at Equifax, the rep literally told me " it doesn't matter if it was fraud or not, it will stay on there for two years. There is nothing you can do. '' I told the XXXX about this conversation and they said nothing. I am beyond frustrated, we're now almost one year later and the hard inquiry still remains on my credit report. I need action and resolution. I believe I am also entitled to compensation for all of my time invested in trying to remove this fraudulent activity from my account. Please help me.
Product: Credit card or prepaid card

I have a Best Buy credit card account with Citibank.I have been a member with them since XX/XX/XXXX. I have been paying on my card and recently paid a big Chunk and paid the card off to a XXXX balance. Before this, I have noticed that when I was making payments every month. It seemed as though my balance was not decreasing the way it should have with my payments made every month. 

I made a call in XX/XX/XXXX when I noticed on my statements I have been charged every month for something called Debt protection.? I have never authorized this. When purchasing something at Best Buy they ask if you want the 18 month interest free program or pay it all and receive rewards. Never have I been late on a payment or missed any payments. Best Buy representative transfers me to this debt program. 

When speaking with the Debt program they say I signed up with them back when I opened my account. I never marked such box. Then they told me they would refund the charges back to me by mail in 30 days. 30 days go by and nothing. I call again XX/XX/XXXX. Best Buy sends me to Citibank and they tell me there's nothing they can do for me. Then once again I'm transferred to the Debt program. Who informs me again, another 30 days for them to send a letter of a refund or not. Now there story changes. I asked for proof of it saying I needed this debt protection plan. They have not provided it and keep giving me the run around. Once again telling me it will take another 30 days. When I asked why am I being charged for something every month when I have never been late or needed help paying my payments? They can't give me an answer. This is fraud!! They have been ripping me off and I have two years of statements that Best Buy would let me pull off my statements. Adding up to {$400.00} since XX/XX/XXXX. I have attached the letter they sent and some of the statements with the amounts they have pulled in the past two years. For it will not let me attach more than 10 MB. Also, I had a DVD the balance was {$10.00} and they charged me {$14.00} ( debt ) so my balance came to {$24.00}. So now I paid more to them on that balance than my dvd costed me. Sometimes they charged me almost {$30.00} a month! If you would like to see all statements please let me know if there is a way I can send all of the past two years?
Product: Credit card or prepaid card

BofA accepted payment to a closed credit card account and will not refund the credit. 

We have called customer service and all representatives said the account had been closed and that we would get a refund within 10 days. 

The online statement shows that BofA has not closed the account.
Product: Credit card

I applied for a XXXX {$25000.00} credit card in a XXXX XXXX Bank branch on XX/XX/2024. My appointment was with the branch manager. I received no follow-up on the status after XXXX business days. I made XXXX phone calls to the branch and was advised the XXXX XXXX was on leave. On XX/XX/XXXX, I received a phone call from " XXXX '' from the local branch. XXXX stated my application was denied. 
No mention of FCRA or any recourse according to federal regulations for banks and lending to minority populations. 

On XX/XX/2024, I received a letter from XXXX Bank stating 'unable to approve my application ' for a KeyBank XXXX XXXX XXXX XXXX The letter was addressed to XXXX XXXX and not to my business XXXX XXXX XXXX XXXX XXXX XXXX. 

There is clarity as to whether KeyBank considered Any credit consumer credit or Any specific business credit file, if any. 

KeyBank clearly discrimnated based upon my race, age and