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

I received an email notification that a hard inquiry posted on my credit file. I checked the credit report agencies and saw that XXXX credit card inquiries ( XXXX XXXX XXXX XXXX XXXX ) and were initiated within the last few days that I did not request. I placed fraud alerts and security freezes on my credit file with all three agencies. The agencies recommended that I report this on ftc.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following account be verified or remove Immediately. 
XXXX XXXX XXXX  ( XXXX XXXX ) {$7900.00}
Product: Credit reporting or other personal consumer reports

I am filing to formally request your assistance in addressing an issue with my credit report. I recently satisfied a collection account with XXXX XXXX, which now reflects a {$0.00} balance. Despite this, the account continues to appear on my credit report, negatively impacting my credit score and overall financial standing.
Product: Credit reporting or other personal consumer reports

I will upload a picture of my ftc report number. 
Unauthorized credit inquiries XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Equifax : XXXX XXXX XXXX XX/XX/2024 My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under Section 604 of the Fair Credit Reporting Act, I am requesting that this unauthorized inquiry be removed from my credit report. I did not provide consent, nor does it fall under any permissible purpose as defined by the Act. 

FCRA Section 604 Permissible Purposes of Consumer Reports This section of the FCRA specifies when a credit bureau can legally furnish your credit report to a third party. Some permissible purposes for making a credit inquiry include : Credit Transactions : When a lender or creditor is evaluating you for credit, loans, or financing. 
Employment Purposes : If an employer is performing a background check with your written consent. 
Insurance Underwriting : When an insurance company is considering you for coverage. 
Government Licensing or Benefits : When the government needs to check eligibility for licenses or benefits. 
Court Orders : In response to a valid court order or subpoena. 
Debt Collections : When a company needs to collect on a debt owed by the consumer. 

For an inquiry to be authorized, it must meet one of these permissible purposes. If it does not, it is considered an unauthorized inquiry, and you have the right to dispute it.
Product: Debt collection

I recently received a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my credit.
Product: Debt collection

Portfolio Recovery Associates LLC is attempting to recover a debt that is not mine and I have disputed on my 3 credit bureaus and was discharged several years ago. Portfolio is trying to recover a debt that was legally discharged by XXXX XXXX, XXXX and XXXX due to Fraud .For XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX. 
The # on the account Portfolio is trying to Collect is account # XXXX Creditor XXXX XXXX Balance XXXX My complaint also includes Portfolio Recovery was sent several Written letters to no longer contact me by Phone, per the Fair debt and collections practice act as is my right. 
They have repeatedly called in a harassing matter now since XX/XX/2020. I have blocked over 100 phone calls from there company regardless of my written notice to only use my mailing address to contact me as this is fraud and need to be in writing not over a telephone .They have repeatedly ignored my request. 

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXX, VA XXXX
Product: Debt collection

XXXX and common wealth continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. XXXX continues to reassign the collection debt, knowing they are unable to validate the debt.
Product: Debt collection

FTC filed CAPITAL ONE AUTO FINANCE debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Product: Credit reporting or other personal consumer reports

All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Trans Union XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with XXXX  XXXX Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX and XXXX. Over the month many months I have communicated with both my credit card provider and Trans Union to rectify the situation to no avail. I was initially told by Trans Union that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to XXXX XXXX Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called Trans Union in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back XXXX XXXX and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that Trans Union would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from Trans Union had told me over the phone on XXXX it would work out because XXXX XXXX Visa had notified Trans Union of New Account Card number. I am lost this point hoping you can provide help at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly vestigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation. The following are the accounts I have marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). 

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA. 

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.
Product: Mortgage

I had filed a small claims suit agasint Loancare for failing to properly service my loan when they took it over from XXXX XXXX XXXX. I had dismissed the case since I couldn't show up to court. Loancare in turn frivolously, without any court order, arbitrarily increased my loan principal by {$2600.00}, and claimed these were due " attorney fees ''. Per my conversation with the CFPB compliance reps, Loancare is in violated the Truth in Lending Act, RESPA and the Rosenthal Act. 

There is no clause in the mortgage docs which state Loancare can add such arbitrary fees to my mortgage. 

I've attached a copy of the letter LoanCare sent me stating they were putting this fee on my account. 

Loancare transferred this account to another lender with this inflated loan amount.
Product: Credit reporting or other personal consumer reports

i filed a dispute and provided proof I opt out of XXXX XXXX, as well as Bankruptcy, does not report to the credit reports the accuracy of this reporting goes against FCRA as well as misuse of my personal information the company refuses to provide documentation to support this bankruptcy are indeed valid no written proof was provided. please refer to 1501 U.S. Code 1681 ( c ) 2, 1501 U.S. Code 1681 ( a ) 4 XXXX  XXXX XX/XX/year> ref number XXXX. XXXX  XXXX XX/XX/year> ref number XXXX.
Product: Payday loan, title loan, or personal loan

After obtaining written payoff instructions from BMW Financial Services, I followed their procedures with my bank, XXXX. XXXX overnighted a certified check with the complete payoff. USPS tracking confirmed it was delivered and accepted by a XXXX XXXX   employee one day later, XX/XX/2019. 11 days later and BMWFS still doesnt admit to having the check. XXXX also confirmed the check has not been debited. BMWFS has offered solutions to this problem which have not worked, including having XXXX call the USPS to see where it was delivered, and to issue another check. XXXX and USPS both confirmed the dates and addresses were correct. It appears that either BMWFS for have incorrect information, to include addresses, or their PO Box wont accept payments via this method.
Product: Credit card

I reached out XX/XX/year> saying, XXXX XXXX, I'm currently unemployed. Is there any protection for me? Is there a way I can try to make a payment arrangement so my card doesn't close? Thank you. I was advised to call in to request a specialized payment plan. I called multiple times, but most importantly around XX/XX/year> when I started getting money into my account by being a temporary delivery driver. I called in and made multiple one time payments in order to catch up and stop the card from closing. However, I inquired on XX/XX/year> as to why the credit limit still stated {$0.00} after multiple payments had posted to the account on and was advised my card was closed on XX/XX/year>. If that is indeed the case I havent received any correspondence, any messages, and the representative that set up multiple one time payments for me to prevent the card from closing should have disclosed that it was already closed instead of pretending that this would help my account due to being laid off. I requested correspondence to be resent regarding closure of account and why late fees and interest still accruing on a closed account. I have received no answers to date and feel as if Im being taken advantage of because accruing late fees and interest still on a closed account is theft, if in fact it is indeed closed.
Product: Checking or savings account

I had 14 transactions of {$1000.00} withdrawn from my business checking account the same day that were unauthorized. Bank Of America did not alert me or red flag the transactions. My funds were depleted from my account, my rent payment was declined, and I am possibly going to go out of business. THe bank has refused to re-deposit any funds temporarily and has told me that they are investigating the matter and might take up to 60-90 days. Bank Of America also told me the communications will be through the US mail. No help.
Product: Credit reporting or other personal consumer reports

I am writting to you as a holder of the account # XXXX  from XXXX XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report.

Below are the details affected payments : XXXX XXXX and XX/XX/year>. 
XXXX XXXXXXXX XXXX 
Equifax XXXX and XX/XX/year>.
Product: Credit card or prepaid card

Please find below my transactions using Synchrony XXXX Credit card. 

Date PromoRate Amount XX/XX/XXXX 0 % XXXX XXXX XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XXXX XXXX I made automatic payments to my account and continue to do until this afternoon. When my balance for my account reached XXXX, they added an interest of {$740.00} to my account claiming that I did not pay the balance at the end of the promotional period. As file this complaint to continue to add an interest of $ XXXX my account on a monthly basis. 
I have been on the phone with their customer service for over 20 times since finding out that they had recalculated my interest without any notice. 

Until i found out that they added {$740.00} as interest to my account, I did not receive a single notice from them. No bills, no notice indicating that my promotional period was ending either. 

This institution is not reputable and their customer service acts clueless when contacted on the phone in a bid to resolve issues.
Product: Checking or savings account

I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX XXXX payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account. 

NOTE : I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX branch refused to disclose any information to me. 

The bank responded to by claiming pending legal action, I want the Citizens Bank representative to be investigated separately for providing false affidavit in writing to CFBP, in connection with an ongoing investigation. 

I would like this incident to be investigated, i want copies of any documents in the bank possession in reference to this matter, the bank has a duty to investigate any allegation, and can only act upon an order from the court. 

Again all I want is the documents that shows that Citizens Bank had the authority to put the HOLD on the account and on what basis. Anything other than a statement from Citizen Bank Employees ( Agents : XXXX XXXX, XXXX XXXX ), because they had proven to be involved in giving false affidavit in writing to CFBP, in connection with an ongoing investigation.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency to investigate the items below on my credit report in XX/XX/2022 and they failed to do so according to 15usc1681 ( a ) : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They did not conduct an investigation into the disputed items below and this is causing me financial hardship and impairing my living. They are violating my federal rights. I will pursue legal recourse if these inaccurate items are not removed. My attorney is drafting a formal complaint for the FTC and attorney general. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX