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

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to re-investigate and delete the unauthorized inquiry Inquiry made by : XXXX XXXX  on XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. 
You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. 
Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. 
According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete.

IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA! 
My FTC Report is attached the report number is XXXX. 
I know your company needs some sort of verification to prove my identity. My information is clearly shown below Name : XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX PA XXXX Phone XXXX XXXX Email : XXXX Your immediate response to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, AXXXX, Bankrupticies, Source Receivables violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 and purposed.
Product: Mortgage

A Divorce Decree was signed and recorded by the Superior Court Arizona dated XX/XX/XXXX. The Decree specifically states to the Respondent ; ( page 5, h ) " The marital residence located and debt thereon in the approximate amount of {$22000.00} awarded to Respondent. '' The Decree further states ; ( page 8, paragraph 9 ) " Respondent is hereby awarded as her sole and separate property subject to any encumbrances thereon, upon which Respondent shall indemnify and hold the Petitioner harmless, all property, assets, cash payments, and items allocated to the Respondent as set forth in this Decree. '' The Decree additionally states ; ( page 8, paragraph 12 ) " This Decree of Dissolution shall be deemed a sufficient deed, conveyance, assignment, transfer and/or bill of sale of any and all right, title, interest and claim and demand of every nature covered by this Decree. It is further ordered that this document may be filed and/or recorded a valid instrument. '' XX/XX/XXXX, I forwarded a Divorce Decree copy to Mortgage company and asked to have my name removed from negative credit reporting. The Mortgage company continues to ignore the Superior Court decree dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

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Product: Debt collection

I was denied credit by multiple finance companies due to collections being reported by IC Systems. When I asked IC Systems to validate this debt was actually mine, I received no response, but they continued to report the inaccurate information.
Product: Debt collection

This debt was incurred by XXXX  XXXX one the year XXXX  and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) XXXX XXXX is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.
Product: Credit card or prepaid card

I have +an 800+ plus credit score, income close to the top 1 % and impeccable credit - I've never been late paying a bill and have a large bank account. I was invited to apply for a City XXXX with 0 % for 18 months offer which I did. I was accepted and given a {$1000.00} limit. Most credit cards offer me XXXX XXXX, XXXX XXXX they offered me XXXX XXXX  limit. When I complained they had me apply for a credit card limit increase which was denied. I cancelled the card never having used it. I strongly suspect that when they saw that I would use the account and pay the balance each month they offered me much less than other customers with poor credit histories who I strongly suspect would get much larger credit balances. I never would have a applied if I knew the limit would be {$1000.00} and now I have two inquires on my credit profile. 

They said they'd send me a letter explaining why I was denied an increase. All the letter said was " We're unable to approve your request ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a Fraud Alert Removal Letter/Form with all my personal information that Equifax requested XXXX Instead of removing fraud alert from my consumer report like I asked, Equifax chose to send me a stall letter ( see attached ) and quoted " We received your request to add an initial one-year fraud alert to my credit file ''. If I ask you to add to my fraud alert then I'm asking Equifax to please send me the letter/form for this claim you made.
Product: Debt collection

The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/21 I received notifcations from my financial instituation of two hard inquiries from Experian. I tried to contact Experian and despite the hours on their app saying that they are open for phone calls, there was no way to get in touch with them on Saturday or Friday during XXXX XXXX as suggested by their app. 

Additionally, I have come to find that I can not log in to my account or recover it because someone has hacked it. When I try to recover it just shows a XXXX which is not my email address. 

So I can't talk to anyone to rectify the situation, and I also can't fix the situation online because someone has hacked it. 

Then after several XXXX searches I have come to learn that Experian has had very inept security and my experience is common. I have gotten no warning from the company that this was a possibility. 

This company is a total disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XXXX and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.