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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// I did not knowingly and willfully consent to enter into any consumer transaction with CHECKR , INC willfully violating the FCRA. Without my direct written consent CHECKR , INC have used credit card as defined under 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ) my social security number, Drivers license, license plate for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) /////// Pursuant to 15 USC 1681 ( a ) ( 4 ) CHECKR , INC need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CHECKR , INC in multiple counts.///// Pursuant to 15 USC 1681b ( a ) ( 2 ) CHECKR , INC may NOT furnish negative information to my consumer credit report without with my written instruction. CHECKR , INC willfully, knowingly and intentionally violates my consumers right, by reporting negative information to my consumer credit report, without my written instruction or consent. I'm being denied job opportunities and credit due to CHECKR , INC violating the Fair Credit Reporting Act, so be it. ////// Pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ) CHECKR , INC shall provide the consumer with a `` Notice of negative information '' in writing to the consumer prior to or no later than 30 days after furnishing the negative information pursuant to 15 USC 1681s-2 ( 7 ) ( B ). I did not receive such notice and thus CHECKR , INC is in violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ) ////// NOTICE OF CEASE AND DESIST : Pursuant to 15 USC 1692c ( c ), Im demanding that CHECKR , INC cease all further communication and all your collection efforts are being terminated.///// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I hereby rescind the consumer transaction granting any interest directly and indirectly to CHECKR , INC //// THEY NEED TO REMOVE AND DELETE ALL NEGATIVE REPORT IMMEDIATELY from my consumer report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n. /////
Product: Credit reporting, credit repair services, or other personal consumer reports

This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX WELLS FARGO BK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transnion, XXXX and XXXX have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX and was advised to start here with cfpb
Product: Student loan

There is nothing fair or conscionable about a former creditor deliberately and avoidably delaying to collect on an alleged debt for more than forty ( 40 ) years that, if it was a valid debt, would be close to fifty ( 50 ) years old, TODAY.

I received a statement from ECSI on XX/XX/XXXX, requesting payments, commencing XX/XX/XXXX, for a 30-day past-due student loan that I did not owe. The letter implied that I had an active student loan that was on a payment pause, and that I missed my recent student loan payments. The letter continued to state that interest has accrued during the months of missed payments. Based on the balance of the alleged student loan, it has been accruing interest for almost half a century. 

I called ECSI on XX/XX/XXXX. During my conversation with XXXX regarding the alleged debt, she said it was from XXXX. I immediately disputed the debt. She offered to mail me a copy of a promissory note as proof of the alleged debt. I advised XXXX that I needed more than a promissory note to confirm or validate their alleged debt. I asked her about emailing me the information to prove the alleged debt, and XXXX said there was no way to exchange information electronically. 

On XX/XX/XXXX, I received a nearly 50-year-old promissory note with a cover letter and pages that were impossible to read. It was dated and post-marked on XX/XX/XXXX. I did not receive anything showing a payment history, which indicates they do not have or are withholding my payment records. The cover letter had no signature, which was suspicious, and further questioned their use of a 50-year-old promissory note to try to validate the existence of an alleged debt, TODAY. 

Prior to receiving the promissory note, ECSI had already entered this alleged debt into the credit bureaus altering my credit profile. 

It seems fraudulent that anyone would wait nearly 50 years to collect an alleged debt. Why the unreasonable delay? Forty years ago I could have provided proof that I no longer owe this debt, and after twenty years there was no need to keep proof of the payment. I was not living out of the country, incarcerated, or institutionalized. I have been a functioning member of society, and a member of the XXXX XXXX XXXXXXXX. 

ECSIs negligence and failure to notify me of an alleged outstanding debt forty ( 40 ) years ago that they are claiming still exists fifty years later, is unreasonable and inexcusable. This unreasonable delay has resulted in a material prejudice against me by creating an unfair advantage because their delayed actions have prevented me from being able to defend myself by providing any proof that the original debt no longer exists.

This alleged debt must immediately be permanently removed from my record ( s ), specifically the credit bureaus.
Product: Payday loan, title loan, or personal loan

I have contacted them on several occassions about constantly running my info when inhave not applied with them since XXXX of last year. I haved asked them to remove my information and was denied due to federal law. I just want my info removed from their system
Product: Mortgage

I had applied for a loan modification to State Farm Bank. After the agreement to modify said loan was agreed on. I made the initial payment and XXXX more payments with no problems, While attempting to make pmt # XXXX the Bank refused to accept. I an in litigation now and recently found out that the Bank had put in a claim to the Title Company and were paid off. 
I need this problem solved iut is affecting my credit report.
Product: Debt collection

In XX/XX/XXXX I consolidated my student loans. Navient became the my creditor. First off they said I received a $ XXXXXXXX refund after the consolidation, which I never received or even heard about. 

When I originally had my loans consolidated by the XXXX XXXX XXXX they were $ XXXXXXXX ( approx. ) When I began making payments to Navient, my loans were suddenly over {$80000.00} ( approx ). I have been paying on these loans since XX/XX/XXXX monthly and they haven't decreased at all. 

I called Navient to find out how I could address my student loan debt as my principle amount continued to increase despite payments recommended by Navient. I asked about loan forgiveness because I worked for a non-profit drug and alcohol treatment program as a counselor for many years. I was told that Navient did not offer loan forgiveness. I asked the young woman if there was someone else I could speak to about my options and she told me she was the supervisor and she wished she could help me, she understood my frustration because she had student loans herself she had to pay back. There was nothing they could do for me. I said how can my loans be increasing if I am paying the interest plus principle ( approx $ XXXX. ). She said she didn't know. 

Several months later I called again as I had resigned from my position and was on unemployment. Navient instructed me to get a forbearance on my loans. I did so until I was off unemployment and employed again. They suggested I 2xs that I do an interest only re-payment plan. 


I believe Navient manipulated my ignorance and did not guide me well with repayment options. I believed that Navient misguided me into a forbearance as well as an interest only payment to profit from my ignorance. I further believe that Navient either recorded a refund that they never sent me or that this refund as a result of my loan consolidation was fabricated for their benefit. Finally I believe that Navient hires debt counselors that are not qualified to advise students about their debts to Navient. Taking advantage of students for profit is wrong. 

Thank you for looking into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that Experian has been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using information that is available to everyone on the internet. They did not process my letters, and are violating 15 U.S. Code 5 1681i. Keep in mind, they are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you or they receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says I need to provide a Power of Attorney in order to delay processing letters from a consumer. If they do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will be ready to take legal actions myself or contact my lawyer to take legal action or in this case report they blatant disregard to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ACCOUNTS PERMANENTLY LISTED BELOW : 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year> I mailed certified mail to Resurgent/LVNV Funding requesting that they remove this fraudelent account from my credit report. As of this date this company has failed to respond. Enclosed is the letter I sent to them on that date along with the Identity theft affidavit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request that they be immediately removed from my credit file. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Amount : {$160.00} As these accounts have been opened or reported as a result of the data breach and not due to any actions taken by me, I request their immediate blocking and deletion from my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 
Additionally, I request the deletion of the following inquiries from my credit report, as they were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX student loans ( private ). Originated XXXX with XXXX XXXX. 

XXXX and only payment made on account ll as XX/XX/XXXX. No full payments followed. 

XXXX XXXX mis-representing date of last payment. 

Loans should have called off 3 bureau reports in XX/XX/XXXX. They still remain, impacting credit.
Product: Bank account or service

I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX Bank called me stating that they wanted to talk to me about a charge card that I had opened. I told them that I did not apply for a charge card. We determined that there was fraudulent activity, and someone tried opening a card in my name. The gentleman told me that he would deny the account and it report it fraudulent and put a freeze on it through XXXX. He also recommended that I notify the other credit bureau 's which I did. While looking at my credit report for all XXXX credit bureau 's, I noticed that on my XXXX report, there are XXXX hard inquiries, XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX that I did not apply for -- all of these are on XX/XX/22. I would like these all removed. I have put a freeze on my credit report to prevent further activity from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX aXXXX XXXX XXXX  CST, I received emails and phone calls reporting suspicious activity on my debit card. I called Wells Fargo and at that time no charges had gone through. While talking with the re and after stating I did not authorize these purchases 2 more for the total of {$500.00} went through. I said this was not me and I have had my card in my possession and have never given my PIN to anyone. I filed a claim and 7 days later my claim was denied. I appealed the claim and asked for documentation on why the claim was denied. I was told that I approved the text message saying the transaction was mine and that a chip was used and could not be duplicated. I provided detailed text logs from XXXX XXXX XXXX, showing that no text was received and that no text was sent during this time frame. I also provided a screen shot from Wells Fargo banking statement that showed the chip was not used and the card was swiped. I have filed a complaint with the XXXX, Attorney General, XXXX XXXX XXXX and also the FTC, in an effort to get the money back. They have still denied that claim. I have asked that they provide the footage from the ATM, both from Wells Fargo and also the PD. Wells Fargo said they would not supply that information. I have proven that it wasn't me the the requested documentation from Wells Fargo has still not arrived.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to past data breaches with several companies XXXX XXXX XXXX  and Equifax being amongst those companies that my data was stolen from. I am disputing an inquiry on my credit report that I have not authorized but Equifax refuses to remove the inquiry. I have been disputing this matter with Equifax for more than 30 days concerning the inquiry made on XX/XX/year> for XXXX.
Product: Credit card or prepaid card

I had purchased two kicker speakers XXXX from XXXX XXXX when I got home connect the speakers I was having problems with them kept put my amp off on protection mode so when I purchased the speakers in the store and all over the store since you have 15 days to return them and thats exactly what I did I return them the only problem was I was denied returning them because the speakers had dust on them from inside the woofer box from the sawmill I guess and one of the boxes were damaged so the assistant managerRefused for me to return them I said I just wan na exchange refuse exchange them and then told me if I didnt leave you call security so I dispute this charge with Discover card Discover card found in my favor but then they just reversed it because XXXX XXXX told them so Discover is trying to tell me because I dont have written proof is the reason why it went back to XXXX XXXX watt if I go into a store and I try and return a purchase and they refuse it when you get written proof that you were there they could check their cameras if they want to see that I was there XXXX written proof or do you think summer is going to give me written proof so now the sun me to get a return and get your money back you need written proof that you were there XXXX XXXX states in her letter you dont get to have both you cant keep the speakers and get the refund I tried giving him the speakers back they refused them they denied me I was well within a 15 day. Now they want me to talk to you kicker about the warranty they couldve did that the store when I returned them I was just looking for an exchange them know we try to help me and told me to leave I already bought other speakers hes a no good to me broke when I bought them at the time I want to use them at the time not dispute them for two months and not get to use them so I bought new ones these are no good to me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX U.S.C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. DEBT AMOUNT {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights DEBT AMOUNT {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights DEBT AMOUNT {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX  ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX OF XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Section XXXX A. XXXX I have the rights to privacy. XXXX XXXX XXXX Section XXXX A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.