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

o Whom It May Concern, My name is XXXX XXXX, and I have recently become aware of several unauthorized accounts that have been opened in my name. Regrettably, this has occurred as a result of identity theft, and I have currently taken the necessary steps to rectify this situation. I have already submitted multiple disputes regarding these unauthorized accounts and have provided documentation to support my claim. This includes a copy of the police report that I filed following the discovery of fraudulent activity, as well as official identification documents to verify my current address. I kindly request that you take immediate action to remove the inaccuracies and damaged items from my credit file. It is essential that these issues are addressed promptly to prevent any further negative impact on my financial standing. I trust that you will prioritize this matter and proceed with the necessary steps to rectify the errors on my credit report. enclosed is a copy of my police identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding Unauthorized Inquiries Reported by Equifax I am filing this complaint regarding unauthorized and inaccurate inquiries reported on my Equifax credit report. These inquiries are not associated with any accounts or credit applications initiated by me, nor have I provided consent for these inquiries to be made. Their continued presence on my credit report is negatively impacting my creditworthiness and financial standing. 

Despite my efforts to resolve this issue directly with Equifax, including disputing these inquiries as unauthorized, Equifax has failed to take appropriate action to investigate and remove them. This lack of response is a clear violation of federal credit reporting laws designed to protect consumers. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), credit reporting agencies are required to ensure that inquiries appearing on a credit report are permissible. Permissible purposes for inquiries include instances where a consumer applies for credit, consents to the inquiry, or initiates a business relationship. The inquiries in question do not meet these criteria. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), Equifax is obligated to investigate disputes regarding inaccurate information on credit reports and to correct or delete any unverifiable or inaccurate information. Equifaxs failure to conduct a reasonable investigation or remove these inquiries violates this provision.

Excessive and unauthorized inquiries on my credit report damage my credit profile by unfairly lowering my credit score and creating an inaccurate picture of my credit behavior. As a consumer, I rely on credit reporting agencies to provide accurate and fair reporting, and Equifaxs failure to uphold its legal responsibilities undermines my confidence in the credit reporting system.

Resolution Requested : I request the immediate removal of all unauthorized and inaccurate inquiries from my Equifax credit report. 
I request that Equifax conduct a thorough investigation into how these inquiries were added to my credit file without my consent and provide a detailed report of their findings. 
I ask that Equifax implement safeguards to prevent future inaccuracies and unauthorized reporting of inquiries. 
Thank you for your attention to this matter. I trust that your assistance will help restore the accuracy of my credit report and ensure compliance with federal credit reporting laws. 

Equifax report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was contacted by said company about a debt of {$140.00} I then sent certified communication back to the company demanding this debt to be validated and i be sent proof of the validation, the company sent me a copy of a bill XXXX  under FCRA does NOT constitute as proof that the debt is valid or belongs to me.
Product: Vehicle loan or lease

Hello, there. I am a customer with Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wanted to make a complaint regarding the repossession of the vehicle in question on XXXX XXXX. I have tried to make a payment on XX/XX/2022 on my account with Exeter Finance. They said that due to my account status that they can not accept an online payment at this time from me. This is the first time I have been not able to make a online payment, and this is after I expressed that I don't want them harassing me 4 times in one hours as they did before when they called me repeatedly US Code 1692d ( 5 ). I am willing to pay the bill and they still repossessed my vehicle, putting me in a bad situation and limiting my ability to make income for my family. 


They said that they sent a letter of collection activity in XXXX, but I told them that I never revived it. The representative then said that it's not his problem because they did what they were supposed to do. I want to complain because this goes against my rights as a consumer according to US Code 15 1681 ( a ) ( 1 ) ( A ) and because of the non disclosed subject regarding the finance charge in US Code 15 1638 ( a ) ( 4 ) .The biggest complaint I have is that I have tried to pay the bill online and they refused to accept it, then they had a towing company repossess my car. It's illegal and the remedy I am seeking is :
Product: Student loan

I was a co- signer with my daughter on some federal XXXX XXXX ( XXXX XXXX XXXX ) which first started ( first disbursement ) on XX/XX/XXXX in the amount of {$6200.00}. Another disbursement from XXXX XXXX XXXX  was on XX/XX/XXXX for another {$6200.00}. Then another disbursement of another XXXX XXXX XXXX was made on XX/XX/XXXX for {$6200.00}. Then another disbursement of XXXX XXXX XXXX was made on XX/XX/XXXX for the amount of {$4300.00}. Then ther where two more disbursement, one on XX/XX/XXXX for the amount of {$4000.00} and one on XX/XX/XXXX for the amount of {$4000.00}. These are all the disbursements Im aware of. The total amount of the disbursements is {$31000.00}. In XX/XX/XXXX I had filed for bankruptcy. From XX/XX/XXXX tp XX/XX/XXXXI had made payments to the U.S. Department of Education in the amount of {$14000.00}. The claim amount at the time of bankruptcy was XXXX. Why was it this amount approximately {$10000.00} dollars more than what was in the disbursements. Could all the extra amount be interest? 
The U.S. Department of Education does not recognize that I had made over {$14000.00} dollars in payment to them during bankruptcy. I had also made a few payments to Sallie Mae before my Bankruptcy. One in the amount of {$70.00} and one for {$700.00}. Please explain why these payments have not been recognized in my payoff amount. I have since been divorced and no longer have access to payments or records of payments that where made before the bankruptcy. I have been discharged from bankruptcy since XX/XX/XXXX. 
The reason for me not making any more payments to the Federal Government is that I feel that my account has not shown any payments made. I do not want to make payment that never shows any record of such payments, or if they do show record, it only goes, I guess to what Navient was doing, paying interest. I feel that I have overhypaid the U.S. Department of Education more than enough in interest. I would gladly pay off loan in payments, but I do need all parties to play fair and show documentation of all payments. I no longer have confidence in being treated fairly and justly. I know of Navient shady dealings of payments back to XXXX XXXX XXXX. They are under indictment in four states for there wrong doing. I feel there is probably a lot more people with school loans out there that are also being abused with there payments. I just want answers. Navient has turned my situation back over the the U.S. Department of Education. When I try to contact the Department, I never get to speak with a representative from that Department. I feel that the public has no chance against the U.S. Department of Education if there are no way or means of communication.

I have sent to separate times to the U.S. Department of Education dispute letters on such subject. Once onXX/XX/XXXX and another dispute letter on XX/XX/XXXX. There has been no correspondence from the Department of Education acknowledging these letters. 
Thanks for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple dispute letters and CFPB Complaint I have been submitting against the Credit Reporting Agencies, the Credit Bureaus still have the audacity to continue their erroneous reporting of the disputed fraudulent accounts and information on my Credit File. I previously sent a dispute letter to the Credit Bureaus last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, a month have passed and yet the Credit Bureaus have failed to respond to my dispute letters. Upon checking my updated Credit Report, I was surprised to see the disputed items still appear on my Credit File. The Credit Bureaus ' actions is a clear violation of consumer rights and is punishable by law. I seek help from a legal counsel and they are willing to help me file a lawsuit against the Credit Bureaus. I am submitting this CFPB Complaint to the Credit Bureaus to remind them of the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed fraudulent accounts and information from my Credit File within the time allotted by the law. Also, if the Credit Bureaus do not comply with the requests and respond within the next 30 days, I will be filing a lawsuit. I am requesting that the Credit Bureaus remove the following items completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Checking or savings account

I have called Paypal multiple times, getting different answers as to why I can not close my account. Latest being that I must have XXXX  days with XXXX  transactions before my account can be closed. 

XXXX  days have elapsed since my last contact with them and I am still unable to close the account. Reference previous complaint from XX/XX/2022. I continue to get monthly statements although my account is XXXX and I am unable to log in.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  a Company by the name of Solar Mosaic inc sent out a salesman to my home. I initially accepted the offer, but cancelled it within the 3days that youre allowed. I provided all the necessary information to the company & thought it was resolved. 2 months later it has shown up on my credit. This shouldnt have never happens due to the cancellation process I followed according to their policies. I have spoke with them several times, and the have stated that this has been resolved on their end. I would like this removed from my credit.
Product: Credit reporting

I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MARYLAND XXXX XXXX XXXX MARYLAND XXXX XXXX Loan Service XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my TransID is XXXX. On XX/XX/2019, a XXXX XXXX cashier associate fraudulently created a line of credit without my permission including the use of an incorrect social security number to be filled under the creation of the account. On XX/XX/2019, I contacted Transunion for guidance and requested XXXX XXXX to submit a deletion of credit inquiry directly to Transunion. I have been informed, by Transunion, that the removal of the credit inquiry will take place when this cover letter is received by myself and the deletion of credit inquiry is received by XXXX XXXX. 

On XX/XX/2019, I contacted Transunion for a status update as it is only a few days away from the 60 day timeframe. Transunion informed me that they received my cover letter that was mailed to them but did not receive the letter of deletion of credit from XXXX XXXX. I informed the representative that XXXX XXXX does not provide the customer a copy of the letter and that it is electronically sent to Transunion. Transunion persistently said that the matter is still open until I provide a copy of the letter of deletion of credit. However, I am unable to according to XXXX XXXX. 

I will be filing a claim against both agencies as their processes are not aligned with one another. Please determine the correct coarse of action whether Transunion is able and should receive electronic letters of deletion of credit or if XXXX XXXX must provide the customer a copy of the letter of deletion of credit. In addition, XXXX XXXX automatically opens a line of credit with simply a drivers license without validating the correct social security number.
Product: Debt collection

Debt collector indicates that the account in question was paid timely until the debt was purchased from the original creditor by the collector Which is not the case. According to the fair credit act the debt may only be reported for XXXX years after the 1st delinquency which would 've occurred prior to the purchase. If the collector can not prove otherwise then the item should be removed from the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under XXXX XXXX. 


Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX All accounts listed has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other thank records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( 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: Debt collection

Credence Resource management sent me a letter on XX/XX/year> stating " dispute investigation response '' we received your dispute on this account and verified the charges are valid. They sent me no documentation to verify or even see what the charges are. There is no date of service listed, no bill, and what they sent me was XXXX page. I sent them an additional letter requesting more information and they have not responded to me. The top of the letter says XXXX XXXX XXXX as the original creditor with no other details. I'm not sure what this debt is but the only time I had an interaction with XXXX XXXX XXXX it ended up being investigated by federal agency for unfair billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, Experian and XXXX  to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Bank account or service

I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.
Product: Credit reporting or other personal consumer reports

I notice several inquiries dated XX/XX/24, XX/XX/24 ,XX/XX/24 ,XX/XX/2524, XX/XX/24 and XX/XX/XXXX that were not authorized by me and I don't recognize them.
Product: Debt collection

XXXX XXXX XXXX Last reported XX/XX/2021 {$390.00} Open balance XXXX XXXX XXXX Original creditor
Product: Debt collection

D. Scott Carruthers have called, harrassing all my family members, daily, multiple times a day. I do not know what the debt is, I have never received anything via US Mail verifying said debt.
Product: Mortgage

I am currently in a repayment plan with my mortgager until l am able to refinance with another bank. l owe no more interest and they dont refi. l have sent all of my payments on time but every few months they reject payment and delay in processing. Currently my payments were finally accepted but they are putting me in default and/ or forbearance against my wishes to delay me from obtaining a refinance in XXXX. I have been trying to work with them to correct the problem on their end but they making the problem worse and worse. l know have received several demand letters stating they will refer case to a lawyer if not resolved. l have been in complete compliance in my repayment plan since day one.
Product: Debt collection

I have been receiving calls from the ERC debt collection agency for a person named XXXX XXXX. There is no person by the name that lives here- no one by that name on any of the bills or mortgage associated with my address- or by that name in my family. I have told the debt collector that and have been told they would mark my phone number as invalid. They lied because they have continued to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX