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

I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Debt collection

This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit report.
Product: Credit card or prepaid card

I received a notice that my Sears Mastercard would expire XX/XX/XXXX so I stopped using it before that date. On XX/XX/XXXX I received a test message asking if a charge on the card ( now expired ) was mine. I checked no.. A strange number called me claiming to be the fraud dept. I did not speak with them. I got my card out of my wallet and called the number on the back. They said they would remove the charges. Later I checked and there were more on my account. I tried online to mark them as fraud but their system wasn't working and said to call so I did. When I checked again the charges were still there so I emailed them on their secure email in my online account. I then got a letter in the mail saying the charges were all mine. THEY WERE NOT! I corresponded again thru the secure online. And AGAIN EACH MONTH AT LEAST ONCE A MONTH SINCE THEN. Now the letter says I have to detail what are not my charges but all of the history has been removed from my account. I can not see what is left and what was removed. I have requested this info thru the secure email with no response. They say they will send me new cards. I STILL HAVE NOT RECEIVED THEM! And the funny thing is, the LAST TIME my card expired this VERY SAME series of events happened. I want a detailed listing of XXXX and XX/XX/XXXX invoices and I want a list of items removed. I want interest and items still in dispute removed ... ..wish I could SEE what they are online. And I want my new cards. ( And with a different number - Last time, they sent the SAME number with a new expiration on a compromised acccount. They tried to say the cards were stolen. They were not either time. I have them ALL. Do they do this scam to everyone? This is the second time for me. Sears Mastercard XXXX XXXX XXXX XXXX XXXX XXXX REFER TO PREVIOUS UNRESOLVED COMPLAINT XXXX. I have started contacting this company on XX/XX/XXXX when I contacted the fraud department about charges made after the card expired XX/XX/XXXX!!!! I contact them monthly and finally got a response today off YOUR website in the form of attachments. All the company did was send you this. Nothing was done about the fraudulent charges nor interest. I am getting ready to make my final payment and the amount is WRONG! They did this same thing to me in XXXX- see my compliant from then too which was finally fixed. Same deal - expired credit card and fighting for months.
Product: Credit reporting or other personal consumer reports

I have hard inquiry from OPORTUNXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Somebody trying to applied personal loan under my name. But I never applied in any loan yet, So i also received email from XXXX regarding data breach. Can you please help me that inquiry in that credit report. I don't authorize it. Thanks
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

On Monday XX/XX/2023 I went to the XXXX, Pa branch for my appointment at XXXX. I needed to change my last name on my account due to marriage. Processed the name changed and XXXX minutes after leaving the branch I get an email stating my account is going to be closed do to my account being compromised/risk of identity theft. I called the loss prevention number and was told to go to branch and show id and have the banker call to verify. Banker did so and was told my account supposedly had multiple failed login attempts on mobile banking from all over and that is why my account is being closed. They put a hold on all incoming deposits but not outgoing purchases. ( Still able to make purchases until XX/XX/2023 ) the banker asked if I could just open a new account and they said no I am no longer able to be a customer do to high risk. My account worked perfectly fine with no issues up until I did my name change. I believe something was done incorrectly on Wells Fargos end. I was treated horribly by the customer service representative from loss prevention and was hung up on. I have a copy of the email as well as the summary from changing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.
Product: Payday loan, title loan, or personal loan

I took out a payday loan with Oportun in XXXX XXXX, CA off XXXX XXXX. The friends and family used as references are being harassed despite their attempts to demand that representatives stop calling them. When representatives call they are divulging that I am late on my loan payment and want them to provide information on my whereabouts, along with passing along their message. Despite telling them to stop on a recorded line, walking into the office to speaking directly with a teller and sending a C & D in writing they wilfully persist. It is impossible to get them to stop constant harassing calls to me and my family/friends. They have humiliated me beyond human imagination. They call from different telephone numbers and have even contacted my employers to further damage my character. This was the worse loan processor I 've ever dealt with and it seems that a {$500.00} is never going to be repaid with the interest that has been tacked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an XXXX loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report. XXXX XXXX XXXX refused to give me the credit Application and copies of my identification that match my information. I submitted a fraud affidavit to XXXX XXXX XXXX to report the fraud. Instead they took my information out the application and update their system to say that my number match etc. I never called or have a conversation with XXXX XXXX. I need XXXX XXXX XXXX to provide me a copy of the credit application and my identification whom presented at the time and date of question. XXXX XXXX needs to provide proof where I called them from my number. XXXX XXXX XXXX stole my information to update their system when I report and submitted fraud affidavit to them.
Product: Debt collection

IQ DATA INTERNATIONAL INC CORPORATION SERVICE COMPANXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, UNITED STATES To : XXXX XXXX XXXX XXXX XXXX for IQ DATA INTERNATIONAL From XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX AT XXXX MI is authorized to administrate ( acting trustee ) on the { XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for XXXX damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I attempted to open an online account with Equifax, but only to receive an error code NH and phone number to call. After calling the number, I was instructed to mail via USPS my driver 's license and social security card. I have mailed in the necessary documentation multiple times and Equifax says they have not received any of it. 

The last interaction with Equifax, the representative had me take a photo of my driver 's license and face. Those images were then sent back to Equifax via a mobile application. The representative proceeded to tell me they could not verify my birthday and I would have to mail in my identification again. I explained that my birthday is on my driver 's license, but it was futile. It was in this moment I realized Equifax is fraudulent. 

I will now begin a campaign to expose Equifax for being a negligent monopoly. Equifax 's reporting is libelous and criminal. Weeks of me reaching out and Equifax not once called or emailed me. I have XXXX correspondence from them. This complaint will be documented and used as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of Education has 2 discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX  other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the one false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX {$1100.00} XXXX {$2000.00} XXXX {$3500.00} XXXX  {$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion failed to verify the bankruptcy on my credit report i want the bankruptcy removed imediatly
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX. Also filing a dispute for identified inquiries on my credit report as well for the following : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to submit my dispute regarding the one fraudulently opened XXXX account that has severely damage and harmed my credit report. Prior to filing this complaint I have mailed in my dispute via certified Mail. The letters where signed and accounted for however I have received no results on updates. If this account is not removed vastly I will no longer Pursue resolving of this matter on my own. I have contacted legal counsel along with private investigator to obtain the proof that this account is not of my responsibility and is fraud. If the account isnt removed my attorney has informed me that first we shall contact the media and attorney general and move forward for financial compensation.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. you are in violation and this needs be addressed immediately. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. 

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e. 

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Debt collection

Our VA mortgage loan servicer Mr. Cooper is in violation of the FDCPA. They call me multiple times a day and leave multiple voicemails in an attempt to collect debt. They are well over the XXXX calls within XXXX  days limit not only this week, but weeks prior. I'm exhausted of the daily harassment our family is enduring. I have asked them to cease all phone calls at this time. I can be XXXX day late or XXXX and they continuously call me demanding payment. They are well aware of our financial struggles but do not want to offer any positive solutions. The only time calls have stopped was within the last XXXX weeks when this company had a Secuity breach and shut down their payment portal. 

I have tried to work with this company for 3 years now for assistance with no options available but to foreclose, short sale or deed in leu. I DO NOT want to lose my home. I can only communicate through their online message portal because every time I call the assigned XXXX is not available. 

The mortgage loan was refinanced in XXXX before it was sold to Mr. Cooper. When Covid hit, the loan was granted a forbearance in order to assist with late payments due to unemployment, like many other families endured. 

Our family unexpectedly divorced shortly after and the property was granted to me, so I asked Mr. Cooper to assume the loan ( as I wanted to take over the payments ) and was denied as they do not offer that option. Why the heck would you not have an option for spouses that divorce? I tried to modify the loan with my sole income and was denied because their processors didn't understand how child support payments work. They insisted I apply without child support and of course I was denied as the loan was now showing unaffordable. 

In late XXXX I was unemployed for a few months without pay and fell behind 3 months. I eventually caught the loan up even though the payments were late, once I started new employment. 

In XX/XX/XXXX the borrower was diagnosed with XXXX and has been unemployed the last 6 months causing both our incomes to go down. I can report my hardship over and over again to the loan servicer, but this company offers no solutions for homeowners to keep their home. I can't help the external factors that keep happening to our family, it's not in my control. He is a veteran and I am a XXXX XXXX  of XXXX. I want to keep my home and am working hard to keep all payments a float. 

I am currently behind 2 months in mortgage payments with XXXX month being paid out this week on XX/XX/XXXX. I am committed to making all my payments, but they will be late due to the financial and medical circumstances our family is currently facing. I am asking this company for some grace during this time until I can find extra jobs to bring in additional income. At XXXX days late they have previously had people knocking on my front door taking pictures, again harassing my family when all we are trying to do is survive. It's exhausting. Please help stop the harassment and maybe find our family a solution. 
Thank you
Product: Money transfer, virtual currency, or money service

I wired transfer GBP.XXXX to my friend XXXX XXXX XXXX bank account # XXXX with XXXX XXXX XXXX XXXX, 2019 thru Moneygram ( Their Ref. # XXXX ). This money should have been credited on XX/XX/XXXX or XXXX XXXX, 2019 but as of today he did Not receive any money into his account! After few days I started calling Moneygram. The Rep told me to call after 30 days. After 30 days She told me to call after 30 business days! After 30 business days the Rep told me to call after 2-3 days and that is being going on for the last 2 weeks! Yesterday ( XX/XX/, 2019 ) the Rep told me to get Bank statement from XXXX XXXX XXXX and send to Moneygram because Moneygram wanted to see his bank account was not credited! I sent Bank Statement also to them today ( XXXX XXXX, 2019 ) proving his bank account was Not Credited! 
After I made dozen of calls and after they give me false promises one after another, I had no choice but to seek your help to resolve this issue for me, thank you.