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

I am filing this complaint because my credit reports show several unauthorized inquiries and inaccurate personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. 

Experian Incorrect Address : - Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 of 4 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. Below is a detailed list of the erroneous entries : Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past XXXX  years or better! I've undoubtedly been XXXX by these XXXX reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Kohl 's Corporate office XXXX XXXX. Stating she would like to discuss this matter over the phone since I was a VALUE customer. The number listed on the letter is either invalid or incorrect. I called the main corporate number, the operator was not able to validate if this was a legitimate telephone number to XXXX XXXX, however she did verified XXXX XXXX worked for Kohl 's Corporate Office. She was able to transfer me to a voicemail, however due to privacy did not allow me to have her direct line or extension. The voicemail states XXXX XXXX is working from home and would only let me leave a voicemail. I have left several voicemails and no return calls as of today ( 4 weeks ago ). Obviously I am not a VALUE customer after all. So this just reassure me that this is more of a copy and paste reply then an actual person looking into my complaint. 
You report my account as 30 days behind over {$4.00}, XX/XX/XXXX payment received after due date {$50.00}, XX/XX/XXXX payment received {$50.00} ... ..Kohl 's charge a late fee on the due date, not the day after. So as a card holder you are stating in the statement payments are to be posted before midnight prior to due date to avoid late fee. My due date is the XXXX of each month, if you look at my statement you charge a late fee on the due date. I have been a VALUE customer since XXXX never missed a payment, {$4.00} cause my credit score to drop 23 points because of an human error ... .really ... ..Then you can't return calls and your work underneath the president of the company ... .REALLY
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX debt ( {$1900.00} ) was deleted by XXXX and I've attached the the deletion verification. I have been trying to get Experian to also delete this XXXX debt which was covered by insurance. This is a XXXX debt for a XXXXy which was 100 % covered by the Affordable Health Care ACT. Not sure why XXXX was able to delete the debt but Experian is not deleting the medical debt.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report XXXX  XXXX. This is my 2nd letter that I encountered incorrect credit reporting and I write to dispute these inquiries in my file resulting from the issue. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from the erroneous credit report entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BETWEEN XXXX AND XXXX, Inquires 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.
Product: Credit reporting or other personal consumer reports

Transworld Systems Inc. has obtained this account as a result of material misrepresentation & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ( 1 ) ( 2 ), IC 35-43-5-3.5 & IC 35-38-1-2.5. ( see attached affidavit )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any form of contract or agreement to BERLIN WHEELER INC XXXX. I have been sending written letters to BERLIN WHEELER INC about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and BERLIN WHEELER INC but until now, I got nothing. This is a serious matter for me then they should take this complaint seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Public record- XX/XX/XXXX-Reference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent onXX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA. 

Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate onXX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. XXXX XXXX XXXX Account # XXXX, Amount {$820.00} 2. XXXX XXXX -Account number XXXX, Amount $ XXXX-Original creditor : 11 XXXX. 

3. XXXX-Amount $ XXXX-Original creditors-XXXX 4. XXXX XXXX-Acount should reflect PAID IN FULL.
Product: Vehicle loan or lease

As a consumer I was extending my credit in a consumers credit transaction. Under XXXX XXXX as XXXX Which I stated as I walked in. They XXXX a bank statements which were provided as well as XXXX stubs. Before sending my information to the underwriter I was told to sign an agreement which I placed my autograph on which included XXXX XXXX they requested I remove without prejudice by law as a consumer I was exercising my rights. They proceeded on telling XXXX cant extend my credit unless its removed. Also, by XXXX under XXXX becomes legal binding and UCC XXXX XXXX becomes a negotiable instrument and becomes liquidating. So, I agreed to remove it because I need a vehicle. After, I presented all the necessary documents to extend my credit in a consumers credit transaction they went on to mislead me in saying they Did a Soft pull on my credit, Which I have proof it was a hard inquiry which means I was approved and my credit had been extended for XXXXXXXX XXXX But they continued to mislead me on my credit extending. Later they called me and told me that because I worked for a temp agency that I could not be approved which by federal they denied me again under XXXX XXXX XXXX false and misleading of ones on credit is a {$5000.00} fine or imprisonment up to a year or both. The XXXX XXXX XXXX XXXX Falsely mislead me again aswell well as another supervisor which is fraud and Theft. 

Documents they Needed for approval : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally address the persistent issue of inaccurate fraudulent items on my credit report. Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accountXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This needs to be sent to XXXX, Equifax, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX  XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to XXXX, Equifax, XXXX.
Product: Debt collection

The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.
Product: Debt collection

I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it. 
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security. 
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again. 
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again. 
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.
Product: Credit card

Complaint against Capital one bank : I am a new employee in XXXX with no credit history and applied for Capital One 's secured credit card which requires certain deposit amount to get a credit card, it was suppose to help me build my credit ratings if I use it well. Thus I went to bank branch, applied XXXX with banking officer, provided all the documents and signature which he asked ( SS, DL, etc ) and got it in mail to my address in few days. used it XXXX or XXXX time at gas station, also added auto payment as soon as XXXX statement was available. After a month or so, it stopped working so I called the tollfree number, they told me that account is closed. I was surprised and stunned, I asked why? lady says, we encountered some fraud with your account so we closed it. I requested to transfer me to the respective department who can give me some details, then I was talking to a lady from fraud department with no information, she kept on saying that its closed and we cant tell you anything more. no reason, no justification, no call, no mail or any communication to me. just closed my account. After lodes off discussion, she said I can try to reopen your account if you fax all the documents again, Next day I visited the bank and explained the scenario to the banking officer then he was on call with same department for 45 mins, and asked for my documents, faxed it to fraud department and asked me to wait for 24 hours. Nothing happened for XXXX more week, I called the toll free again and got same answer that your account is closed, if you wish apply again but will not give any information. I asked that at-least let me pay my last due amount so that my credit history is not effected, she says account is closed so you cant pay. I said " what ''????? I tried all possible options and finally writing this complaint out of frustration and disappointment, spent so many ours on phone and in bank with no help, felt so frustrated and demotivated thinking that they will spoil my credit history without my fault. And I do n't have anyone who can help me. I just started my job few months back so I do n't have buck lodes of money to hire an attorney too. Not sure what should I do. Hope this complaint can help me in any way. I am also thinking of talking to a police department since they said there was a fraud and we cant tell you anything, may be they will tell cops.
Product: Checking or savings account

I tried to open an account at your bank. I was told I couldnt open it because I was not in one of the states where your bank is located. I was told the account would be closed. {$300.00} was taken out of my account to fund the accounts. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.