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

I am writing to express my deep disappointment and concern regarding significant issues with my credit report. Upon reviewing my report, I noticed that an account previously removed over a year ago has been reinserted. This reinsertion is troubling and appears to violate the Fair Credit Reporting Act ( FCRA ) in multiple ways : Failure to Notify : Equifax did not notify me within the required five business days of the reinsertion of this account, Certification of Accuracy : There was no certification of accuracy provided for the reinserted account, Inadequate Reinvestigation : Equifax did not conduct a reasonable reinvestigation as mandated by law. 
These lapses have adversely affected my creditworthiness and violated my consumer rights under federal law. I request immediate corrective action to address and rectify these violations. 

Furthermore, I am a victim of identity theft. In XX/XX/XXXX, I discovered several unauthorized accounts on my consumer report. On XX/XX/XXXX, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ), as instructed by the reporting agencies. Despite these efforts, the issue remains unresolved. 

According to the Fair Credit Reporting Act, specifically 15 USC 1681c-2, Equifax is required to block information resulting from identity theft within four business days of receiving : Proof of the consumers identity, A copy of the identity theft report, Identification of the fraudulent information by the consumer, A statement confirming that the information does not pertain to any transaction made by the consumer. 
I urge Equifax to take immediate and corrective action to resolve these issues and ensure compliance with the FCRA. Please provide confirmation of the actions taken and a revised credit report reflecting these corrections.
Product: Credit reporting or other personal consumer reports

My rights has been violated, for my transactions are reported as late on my consumer report without my permission, XXXX XXXX account number XXXX account XXXX XXXX XXXX  XXXX XXXX Consumer reportCredit action not initiated by consumerExclusion by consumer. 
( XXXX ) A consumer reporting agency may provide a consumer report relating to a consumer under RCW 19.182.020 ( 1 ) ( c ) ( i ) in connection with a credit transaction that is not initiated by the consumer only if : ( a ) The consumer authorized the consumer reporting agency to provide the report to such a person; or ( b ) The consumer has not elected in accordance with subsection ( XXXX ) of this section to have the consumer 's name and address excluded from such transactions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened?

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank finance a XXXX  truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!
Product: Checking or savings account

I have a high interest savings account with CitiBank. My understanding of the terms to keep the account active included making periodic payments into the account. I attempted to access the account and learned the account was in inactive status despite having made additional deposits into the account. When I contacted the customer service center they were unable to verify my account because I didn't have access to the associated ATM card. Finally after speaking with a manager they were able to verify my account and provided me with instructions on how to regain access to the account with required sending a letter with a specific statement asking for the account to be re-activated. I sent the letter on XXXX XXXX and the account remains inactive and I am unable to access my funds. I contacted the customer service center again today and was instructed that their system was going on reboot and that they were unable to help me and that I would need to call them back in 30 minutes.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX 2017 someone used my name to get a payday loan. I checked my credit report and I did not open that account that day.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This retail account was opened when I installed my vivnt account without my knowledge. Ive been charged {$4000.00} for equipment that was supposed to be free with install. the invoice I received after the fact said {$3400.00} and no one can tell me why I am being charged the max limit of the card instead. I feel this is a scheme with XXXX  and fortiva to trick people into opening this store credit card and paying interest and fees on the alarm system indefinitely. We had an issue recently and I called for troubleshooting and found out that the equipment I was charged for was not even installed but no one can correct this or my billing! Its a total scam and rip off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on XX/XX/2022 that this company ran a credit report. I have nothing to do with this company. 
XX/XX/2022 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via Equifax twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from Equifax that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Product: Debt collection

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXXstep validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a derogatory account from JPMCB card for the amount of {$9800.00} that was not from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to add my wife to my credit card. I was told a credit check would be done on her but not on my. She gave her consent to run a check. I was never asked, nor did I grant consent to run a credit check on myself which resulted in an unwanted/unnecessary hard hit on my credit report. The bank took no action to correct it's error.
Product: Credit reporting or other personal consumer reports

I requested documentation regarding a charge-off on my account that has been reported on my credit report. To ensure the accuracy and to provide me with detailed proof of this charge-off, including the account number, the original balance, the date of the charge-off, and any relevant transaction history.
Product: Money transfer, virtual currency, or money service

I sent money to a person that was scamming and asked for the payment to be cancelled or stopped and they couldnt reverse the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take basic precautions to safeguard my personal information. As a result I have to freeze my credit at all known credit reporting agencies and with check vendors out of an abundance of caution given that my personal information was compromised in the security breach. Their cavalier attitude towards network security and safeguarding private information seems criminality negligent and their response has been devastatingly, bordering on comically, insufficient. Pointing people to a phishing site for more information on the security breach? Really?!??!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00}
Product: Checking or savings account

On the XXXX of XXXX my account was suspended for a transfer that didnt go through and was told that I needed to send in Id front and back and an utility bill for proof of address and also a bank statement to show the account was mine those documents was sent in on the XXXX still no update or any type of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for financing for a home, unfortunately because of the false delinquent reporting ( XXXX currently ) on my XXXX XXXX XXXX XXXX  XXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company XXXX XXXX  for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been two months and still the misreporting shows that Im late to my payments.
Product: Credit reporting or other personal consumer reports

When purchasing vehicle I used US bank, the dealership was having a 90 day no first payment special if you purchased a vehicle. They billed at day XXXX but never once sent a bill via mail, email etc. when calling to dispute the bank agent admitted to having the wrong information. Name was spelt wrong, e-mail was not the correct email and there was no address on file. After admitting their mistake they still refused to reverse the late payment on my account which is absolutely unacceptable. I have appealed this decision now 4 times and unfortunately will have to file complaints with lawyers or XXXX
Product: Bank account or service

I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!
Product: Debt collection

This is the first I hear of this agency trying to collect debt from me. I have no idea who they are nor how to contact them. I have always had insurance to cover my medical bills.
Product: Student loan

In XX/XX/year>, I made 3 payments to MOHELA. On XX/XX/year> I made a payment of {$260.00}. This payment is part of the auto pay that is set up. To my knowledge, this payment was applied correctly to my account balance. On XX/XX/year>, I made two payments ; the first payment was for {$1700.00} and was to be applied to Student Loan XXXX. This payment was supposed to pay off the loan. I am currently still paying for this loan, as attempting to disable auto pay for this loan has been unsuccessful using their platform. MOHELA owes me as of today, XX/XX/year>, {$84.00} in overpayments due to their failure to pause autopay for this loan ( each month this continues, {$21.00} is withdrawn from my account, which I am still unable to pause ). The second payment on XX/XX/year> was for {$1600.00}. This payment was to be applied to Student Loan XXXX. I contacted MOHELA on XX/XX/year> to attempt to resolve this with support. I was told the payment would be backdated within 30 business days. Over 30 business days later, on XX/XX/year>, I called support again to try and resolve this issue. I was told the payments are still pending in the old system, and they would be applied to my account soon ( by summer ). Neither of the two payments I made on XX/XX/year> have been applied as of today, XX/XX/year>, the date of submission of this complaint.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX for a XXXX XXXX  and paid using Paypal. The item I received from XXXX was obviously a counterfeit item, and not an authentic XXXX. I requested a return through XXXX, but was notified that the seller was actually a third party merchant who was selling through XXXX, but not actually XXXX ; and therefore, I can not return the item to XXXX and had to arrange a return through the actual merchant. However, that merchant ghosted and does not have valid contact information posted anywhere. 

I disputed the transaction for fraud through Paypal ( Case ID XXXX ). After Paypal 's review process, I was told to mail the counterfeit item back to XXXX ; however, the address provided by paypal ( which I had to upload tracking information for ) was not a street address. The return address provided by Paypal was : " Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, United States '' Following the www address just leads to a blanked out contact information of the third party merchant. I called Paypal no less than 3 times and sent numerous correspondence regarding this issue ( which according to the customer service representatives was acknowledged and documented ) and submitted screen shots of what's behind the www address that Paypal sent, to prove that there was no return address. 

Regardless, PayPal closed the case and derailed any derailed an appeal ( opened by their phone CS team ), since " it is [ my ] responsibility to return the item '' and that they were complacent in allowing the fraud to occur unless " i can prove that I returned the item ''.
Product: Debt collection

I am a victim of identity theft. I was part of a grand jury and assigned a victim advocate back in XXXX of XXXX A woman by the name of XXXX XXXX used my identity to open accounts with XXXX and other telecommunication agencies. The case number is XXXX. This happened in the state of XXXX in XXXX XXXX. This XXXX I found out- XXXX sent a collection bill of XXXX XXXX to Sunrise Credit Service ( phone XXXX XXXXXXXX ). I was notified of this due to XXXX ( who I have a credit lock membership with ) an alert that my credit score moved from Excellent to Fair due to this debt. I did not create this debt and what I need is for it to be removed immediately because it is the product of identity theft. I currently am in the process of getting proof of the case, subpoena, and court documents from my XXXX XXXX XXXXXXXX whose phone number is XXXX. I contacted XXXX and they only offered me to upload these forms and send in any court documents and my Gov ID to prove that this debt does not belong to me.
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the fraudulent debt, nor therefore any such debt, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.