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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Checking or savings account

Every XXXX, I am charged an XXXX fee. This time I have been charged {$60.00} for {$15.00} worth of transactions, and this money was available on the account. The charge was presented to the bank on XX/XX/2022 and returned on XX/XX/2022 and I was charged XXXX XXXX on XX/XX/2022. First, the money was available when present and when the XXXX was charged. I want a refund and a transaction log on my account showing the time, date, and balance in my account.
Product: Credit reporting

You are reporting an incorrect address on my credit profile. Please remove XXXX address. This has never been my address. 

Also, there are many authorized Inquiries showing on my credit profile from XX/XX/XXXX through XX/XX/XXXX. Please remove these inquiries from my credit profile.
Product: Credit reporting or other personal consumer reports

They are violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) by failing to remove incorrect information. Despite multiple disputes, they refuse to delete this unverifiable data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These disputed items wasn't removed from my credit record within 30days of the investigation period
Product: Credit reporting or other personal consumer reports

As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These 10 unauthorized accounts and 7 inquiries were added without my approval. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES - BXXXX 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 I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and am now requesting the immediate removal of these fraudulent items from my credit report.
Product: Mortgage

I sent a Request for Information under RESPA to XXXX, and to Specialized Loan Servicing , LLC. Neither XXXX nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named XXXX XXXX at XXXX XXXX whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. XXXX XXXX should be banned from the financial industry for his de facto abuse of a XXXX Veteran. 

Please stop any foreclosure while Specialized Loan Servicing LLC and XXXX XXXX respond to my demand for RFI. 
The above notwithstanding, I am applying for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I sent Navient a copy of my identity thief report over XXXX years ago asking them to remove me from this fraudulent account which is account # XXXX. I was told that I would still be on the account after sending my report. I was told that the file was overlooked and I would still stay attached to this fraudulent account. I expressed how I felt about this decision but was basically told that doesnt matter I asked them to send me copies of this account with all transactions but was told several different things about why I can not receive anything. I then sent a cease and desist letter on XXXX attached with compensation payment demand because of the abuse and harassment and still is receiving from this company but no reply. I gave them 14 days to respond but no reply. I called them after i received a letter in the mail after me to again associate myself with this account. Please can you help with me with this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed XXXX account in XX/XX/XXXX. XXXX closed the account but did not notify me of {$10.00} outstanding, which then ballooned to almost {$200.00} by XX/XX/XXXX, but I was not notified of the balance because I had closed the account. I discovered it in XX/XX/XXXX from my credit report and paid immediately but it has seriously damaged my credit score since, due to XXXX negligence. I disputed with Experian in XX/XX/XXXX and the companys response was to remove the note saying that I closed the card in XX/XX/XXXX and only show the overdue amounts accumulating until that XXXX. XXXX made a nearly 2000 % profit in 7 months by defrauding me and has done long term damage to my credit, all for a {$10.00} charge which is clearly within my means and which I would have gladly paid had I been notified.
Product: Student loan

For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to Resource Pro ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; the loan center number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " XXXX XXXX '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.
Product: Credit reporting or other personal consumer reports

Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, SKOPOS which was changed from XXXX at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for 7-10 years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name XXXX is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balanced {$4100.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

I have made repeated attempts to inform Berks Credit & Collections that the account that it repeatedly reports as delinquent on my credit report is not my account. I have contacted the originator of the account and was unable to receive any form of documentation that the account is my reponsibility
Product: Checking or savings account

Went to deposit cash at the atm at Chase bank on XXXX XXXX in XXXX, MI. After the deposit was made, I received a message that the atm was having technical difficulties and my deposit didn't go through, and I didn't receive my cash back. A car pulled up behind me and I drove around and the person in the car was messing with the atm and in a car without plates and a white mask on their face. The atm was hacked and my funds was not deposited in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and TFC are double reporting a debt on my credit file. I recently pulled my credit and noticed that TFC was reporting a debt that had been sold off to a collection agency. Well I looked at collections and sure enough XXXX XXXX was reporting the debt along with TFC?!? This is a violation under the FCRA and it needs to be fixed immediately. I can not settle this account because I don't even know who to contact at this point, they've just been giving me the run around.
Product: Credit card or prepaid card

ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Removal of fraud alerts from my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$390.00} ; XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX.