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

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On XXXX XX/XX/XXXX XXXX, I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY CREDIT XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXX & XXXXXXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my TransUnion credit report on XX/XX/2020. I notice that Transunion has reinsurted 2 old account of which has been removed in the past for inaccurate, misleading, Unverifiable information. These two accounts has been reinserted without a letter of notification within 5 business prior to reinsurted Account as required by federal law. Section 1681 of the fcra rules. 

XXXX XXXX has been reinsurted on XX/XX/XXXX without notice of reinsertment. A violation of FCRA rules. 

XXXX  XXXX XXXX  has been reinserted in XX/XX/2020 without notice of reinsertment, 5 business days prior. A violation of FCRA rules.
Product: Vehicle loan or lease

I've reached out to Capital One XXXX on XX/XX/year> to schedule the pick up for the voluntary repossession of my vehicle per the instructions from my bankruptcy attorney. The representative that I spoke with first stated that a form was incorrectly signed and has to be redone in order to go on further. I asked them why they haven't sent it back to them and he stated that they were waiting for a call from them and permission to do so. It was back and forth until I requested to speak to someone else about this matter and the lead that I was transferred to did not even mention the incorrect form and said something completely different about setting it up for pick up. I reached back out to my attorney and she said to wait a few days and try again. So I tried today, XX/XX/year>, I got the same agent on the phone who stated the same thing about the form being incorrectly signed so I asked him why wasn't it sent since the last time we spoke. His response quickly changed to saying that they did send it and got it back still incorrect. I asked again to speak to another agent and the current agent refused to do so and said that I should call back later. I have been bombarded with calls from Capital One to get payments before I filed and now since I did, they are delaying their end of the agreement of my case.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; 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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXX XXXX XXXX account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on several occasions Asking for these address to be removed and nothing has happened i have spoken to managers and supervisors and still no one has fixed this issue. i called in XXXX, XXXX, XXXX, XX/XX/2018 the address is still being reported
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts that are in accurate credit XXXX clearing house, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The creditor has reported this account as a charge off/ Write off and never sent me a 1099-C form at the time of the charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage loan with XXXX on XX/XX/XXXX. The residence was sold and the loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I received a package in the mail from Bayview Mortgage who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because Bayview and XXXX are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

XXXX is unreachable and Bayview insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is XXXX, and the accounts are closed. However, This loan still shows up on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Reinsertion of dispute informatiom To whom it may concern, I recently disputed the following items on my credit report and it seems that you guys reinserted it back on my credit report, Negatives items was reinserted on my credit report without proper investigation and I was never notified or identified any disclosure and its been more than 5 days, I never receive any certification of accuracy to prove this is information should be reinserted on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you please provide me with the following information as proof that these items were reinserted in accordance with the law and if not please delete them from my consumer file immediately.

1. Proof that the furnisher certified that this information was accurate and complete.

2. Proof that you notified me, in writing, no later than 5 business days after the Reinsertion.

3. Proof that you provided me, in writing or no later than 5 business days after the date of Reinsertion. 
4. The business name and address of any furnisher of information. 

Please provide me with documents and not a automatic dispute response.
Product: Credit reporting or other personal consumer reports

I requested my free credit report from the ( 3 ) credit reporting companies, I received XXXX and XXXX without an issue. However I am unable to access my Experian account after multiple attempts to use the online portal and calling the provided telephone number. I was notified there is a collection on my account which is inaccurate, it belongs to someone else and is impacting my credit score. I do not know the company and have never purchased or used one of their products.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery is trying to collect a debt that is not mine. They are listing themselves as a factoring company when they are not. Ive never had an account with either them nor the company they said they took over for.
Product: Checking or savings account

On XX/XX/XXXX, I woke up and tried to log in to PayPal and was surprised to a message on the app stating that my account is Limited to its features until I upload my identification and bank statement. I did it immediately and the following day I received an email stating that they are permanently closing my account.

They never gave me a reason besides that I was not following their guidelines which I believe they need to be more specific! Especially if they are holding my {$210.00} for 120 days! Thats a bit excessive and it appears to be a scam because there are thousands of stories with victims going through the same issue! Almost as identical to mine which leave me to believe that they might be the ones who are not following the guidelines. I am 100 % positive that 120 days is not ideal.
Product: Credit reporting or other personal consumer reports

I have requested the company to help me out but I have tried almost six months with this I sent a letter in XXXX with the next statements and the documents attached and still nothing XXXX XXXX XXXXXXXX XXXX XXXX : Under Pennsylvanias Unfair Trade Practices and Consumer Protection Law, any contract or financial agreement must be supported by clear evidence of debt and a copy of the contract. The accounts and inquiries listed on my credit report do not meet these requirements, as no proof of debt or contract has been provided.

Federal Credit Reporting Act ( FCRA ) : According to the FCRA, I have the right to dispute inaccurate or unauthorized information on my credit report. I have done so, and no documentation supporting the legitimacy of these accounts and inquiries has been provided within the required time frame. Failure to provide such documentation within seven days from the submission of my dispute necessitates the immediate blocking and removal of these items from my credit report.

Truth in Lending Act ( TILA ) : TILA mandates transparency in all credit-related transactions. The lack of response and failure to provide requested information on these unauthorized accounts and inquiries breaches this requirement.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX Chime accepted XXXX separate refunds from XXXX on my behalf to a closed XXXX XXXX XXXX  instead of transferring the amount of the refunds into my active checking account under the same name and address. Upon contacting them I was assured I would receive my funds by mail via check within 30 days of the refunds processing date ( XX/XX/XXXX ). I have since contacted them several times inquiring about my funds and the whereabouts of said check and have been repeatedly told that they could not offer me any information as they have no way of communicating with their processing department. Their words directly. This is now day XXXX and I once again contacted them asking about my funds and received the same response. They have no way of viewing whether or not the check was processed or when I will receive my funds. I would like you to please investigate this as I believe that some federal financial laws have been violated in this case. I am at the point where I am considering seeking legal council.