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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have filed a formal identity theft report with the Federal Trade Commission ( FTC ) via identitytheft.gov. Despite this, two unauthorized hard inquiries from XXXX XXXX have been placed on my TransUnion credit report. These inquiries were made without my knowledge, authorization, or consent. The details of the inquiries are as follows : XXXX. XXXX XXXX- {$220.00}, dated XX/XX/2024 XXXXXXXX XXXX - dated XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681b ( c ), no entity may access a consumer 's credit report without permissible purpose or express consent. In this case, I did not initiate or authorize these inquiries, and they are a direct result of identity theft.

Furthermore, under 15 U.S.C. 1681c-2, consumers have the right to block fraudulent information from their credit reports when they are victims of identity theft. I request that these inquiries be immediately removed from my TransUnion report and that this fraudulent activity be rectified in compliance with the FCRA. 

I have already reported this identity theft to the FTC and am now seeking assistance to have this resolved swiftly.
Product: Credit reporting or other personal consumer reports

I was not notified of the results of the investigation of verification of these items listed. 
# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX Under codes : 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681 i ( a ) ( 5 ) B
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over my credit report and noticed inquiries that I never initiated or authorized. 

The following inquiries need to be REMOVED IMMEDIATELY " XXXX XXXX XXXX XXXX '' " XXXX  XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait.

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Credit reporting

I try to do a dispute and they wan na alot of informations to figure it out like the reporting number that they did n't give me when i made a report online. Seems like there should be a easier way. They wanted me to get a reporting number and only way was a mail out cedit report when I already did a online one. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00}
Product: Bank account or service

My checking account was originally with XXXX, and Key Bank acquired numerous banks in XXXX and mine was included. I did n't change banks because I 'm a widow with XXXX children and we get social security death benefits direct deposited. I 've had this account for several years and never had a problem and if I did it was fair to pay overdraft of course. This year I went through a few bad personal assistants helping me with my biz and personal, and I got behind in my paperwork. But started feeling a tight money pinch every month. I just finally printed everything last week and reviewed it all, and have been a literal hot mess- they charged my account a total of XXXX categorized fee 's, some XXXX times in one day, and 95 % of them were for items they never paid nor were they checks. So far there are months that have over {$600.00} in fee 's, some over {$300.00}, and many just under {$600.00}, every month. They put their fee onto my account, which then makes it negative, and everyday, Key bank tries to claim the {$38.00} fee by attempting again, literally snowballing already {$400.00} in just a few days. My kids need to start school, and this is all money I desperately need to move. 
I reached out to key Bank in XXXX different channels. XXXX was by live chat XXXX XXXX or so, the XXXX was via phone on the number on my statement. The XXXX time I called my branch. I asked them if they had a limit on fee 's, if they knew the laws, and that they were stealing government assistance money for my children. They are all trained to make you feel like a loser, and refuse to help. The branch girl told me about a different checking account on the phone, but said if I closed my current account I would n't get my fee 's back even though they all XXXX said they could do only one. Mosty happen on or after dated of my direct deposit, and after stealing of our government death benefits every month- they wo n't stop charging my account depite opting our verbally and 2 years ago in 2013. 

My check just went in and we paid rent to our new apartment and within a day the fee 's started again. Last month over {$600.00}. I have been burned by every single bank 's greed. XXXX took my house in the recession- I have a small settlement check coming to me which by no means balances the pain of that situation. Key bank has completely halted my move but also business expenses, and in another day more bills will attempt to be paid. 
My statements are all mysteriously missing dates of activity and they happen to be for the same days my checks go in. Somedays they clear things and charge me, some days they refuse to clear my car payment when it is in there, and I am already facing issues with them XXXX XXXX - a nightmare with forced placed insurance on my vehicle, and the returned fee 's from key bank added fee 's every which way between the both banks. 
They should be ashamed of themselves taking children 's money or anyone 's money- it 's not safe in banks anymore! 
I am so disgusted that our country is allowed to do this!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. 
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I received notification on XX/XX/XXXX that my loans were forgiven effective XX/XX/XXXX. I had {$9100.00} of overpayment due back to me. 

That meant that I had only a couple of small loans left and after using the forgiveness amount due back to me, on XX/XX/XXXX it was calculated that I was owed {$3800.00}. 

Since then, I have been unable to get any money back from MOHELA and they can continued to automatically collect hundreds of dollars of payment from my account. In addition, they have mysteriously applied the payments so that the amount they claim is due back to me is getting smaller and smaller. 

I have called multiple times, sent multiple emails but have made no progress and no one has been able to provide any explanation or fix this issue. I still have received no refund. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SMITH ROUCHON has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX #  XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/scrub>/2020 {$990.00}, XXXX XX/XX/year>2020 {$990.00} XX/XX/XXXX {$410.00} Unknown Collection {$540.00} Unknown Collection {$540.00} XX/XX/XXXX {$0.00} " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts 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 accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

Hello There are so many hard enquiries on my consumer report that I do not recognize Such as Date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX  I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Credit reporting or other personal consumer reports

This company violated my rights to privacy and have not showed me proof of the original agreement and has a negative account on my credit report. I gave no permission to or signed any contracts for. This is a violation code 15 U.S. Code 1692f, 15 U.S. Code 1692e and 15 U.S. Code 1681q
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Checking or savings account

My credit monitoring company informed me that an account was opened with The Goldman Sachs group Inc. I did not authorize this and was unaware of this group prior to the notification from my credit monitoring company. I am not sure how an account can be opened without my authorization. I have all of my credit reports locked and the fraud alert shows this is a savings account.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines, I am entitled to an accurate and complete representation of all information in my credit report. In accordance with these consumer protection laws, I respectfully request that you correct this error by removing the inaccurate information from my credit report. Once the corrections have been made, please provide me with an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report yesterday and noted accounts on there that I do not recognize. These are accounts I did not open, and accounts I have never used.