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

I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXXXXXX XXXX XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXXXXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXXXXXX XXXX XXXX XXXX XXXX- date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXXXXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b XXXX. [ XXXX XXXX XXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b 15. [ XXXX XXXXXXXX XXXX XXXXXXXX date : XXXX ] : This inquiry has no permissible purpose to be on my report. Delete due to violation of 15 USC 168 1b
Product: Bank account or service

I was fraudulently debited money from my accto by a past vendor and was eventually extorted of this money due to Wells Fargo refusing to prosecute and claiming the case was dead due to their incorrectly filing the type of fraud charges ... 

I was deprived of {$3500.00}
Product: Checking or savings account

Bank of America has taken on two occasions {$150.00} from my checking account ending in XXXX for Legal. The company does not disclose these fees and they have taken for the same transaction twice. I would like a full refund as they did not send me any information prior regarding legal order fees which amount to {$150.00} per transaction. This is unfair and deceptive and they violating my consumer protection rights. I WANT A FULL REFUND credited back to my account ending in XXXX. The legal order has been paid twice already and Bank of America failed to provide proper disclosures of these fees which violated my consumer protection rights and UDAAP.
Product: Credit reporting or other personal consumer reports

This loan was forgiven several months ago. I sent them the documentation of proof but they have not corrected the issue. My balance is XXXX as all were forgive for XXXX XXXX which I am presently.
Product: Credit reporting or other personal consumer reports

I attempted to fix this problem in XXXX of XXXX but still nothing has happened. I put in a previous complaint after completing a mortgage loan application in middle of the year of XXXX  Equifax put an internal block on my credit which was not requested by me. They want give me any information on how to lift the block other than, send a letter in with a copy of your ID which I have done more than once. They explained that the block would be lifted within 10 business days after receiving this letter. I have also been told within 30 days it would be unblocked after receiving the letter. Here we are, over 2 years later. My credit is not visible to me nor potential creditors. I want Equifax to be penalized for this. It has affected my personal life. And they have offered no fix to the issue that I have complied with by completing what was requested of me. I have set on the phone for hours to speak with them. And I have driven to the post office multiple times. I do not wish to waste more time or my resources anymore for something that I did not cause on my own. Please help me with this serious issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried on several occasions to get a few accounts listed in dispute to have the dispute removed as I'm no longer disputing the accounts. Experian REFUSES to remove the dispute language on the accounts and it's causing me a great deal of difficulty in completing a home loan. I have tried for past several months to get the accounts removed but they will not remove the disputes.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XX/XX/year>, I noticed several inaccuracies on my credit report. I sent letters to Equifax, XXXX, and XXXX detailing the information I believed was incorrect and requested that they correct the errors and provide me with an update once the changes were made. In compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a 30-day response period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I allowed 30 days, plus an additional 15 days for mailing, for their investigation and response.

However, I did not see any updates on my credit report. Later, I received a letter from XXXX requesting that I confirm my identity by sending personal documents, which I promptly provided. From the other bureaus, I received no response at all, a clear violation of their obligation to investigate disputes and respond under the FCRA. 

I sent a follow-up letter to all three bureaus, informing them that since they had not responded, they were required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the inaccurate information. Additionally, I requested that if they had verified the disputed items, they provide me with the documentation they used to validate the information. Once again, I received no response, which constitutes another breach of the FCRA 's requirements.

This process has been extremely stressful, as the inaccurate reporting has negatively impacted my ability to build business credit. The failure of the credit bureaus to act on my dispute within the legally mandated time frame has now exceeded 60 days since my initial request. In my final letter, sent in XXXX, I stated that I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) if I did not receive a response. Despite this warning, I have still received no communication or resolution. 

The credit bureaus ' noncompliance with 15 U.S.C. 1681i has left me no choice but to take matters into my own hands. I am prepared to escalate this issue further, including filing a formal complaint with the CFPB and exploring legal action, as permitted under 15 U.S.C. 1681n and 1681o, for their willful or negligent noncompliance with the FCRA.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Midland Credit Management, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I informed bank of america that i had not made these transactions and they said nothing was wrong with transactions. I had informed them of my identity theft from me in which they fail to adhere to. I am currently unemployed and bank of america has allowed the money that was awarded by a judge to stolen and dose not want to fix the problem per efta i have 3 daya to get a response on which i didn't
Product: Checking or savings account

I noticed 3 charges from " XXXX '' on my account. These were charges not authorized by me in any way even if they swiped my card previously these charges were not authorized. I immediately called them to report the issue and they cancelled my card and sent a new one. Then had two more charges come up after the card was cancelled even!! So I call again and am told again nothing can be done about " pending '' charges which I also find ridiculous but moving on .... got an email saying that " no error '' was made lol????? IM VERY UPSET AT THE FACT THAT MY BANK GETS TO TELL ME WHO I AUTHORIZED AND WHO I DID NOT AUTHORIZE TO ACCESS MY MONEY!!!! THIS IS AN ONGOING ISSUE WITH SOFI SINCE THEY DID IT BEFORE. WHEN I CALL AND SAY I DIDNT SPEND THIS MONEY THAT MEANS IT IS UNAUTHORIZED AND I DONT WANT HEAR " WE WILL INVESTIGATE IF IT WAS A LEGITIMATE TRANSACTION '' ... ... .OMFG IF IT WAS LEGIT I WOULD BE THE ONE TO TELL YOU IF IT WAS OR NOT.

SO NOW OF COURSE IM GOING NEED TO FIGHT TO GET MY MONEY BACK AGAIN THAT I REPORTED RIGHT AWAY AGAIN THAT I WAS DENIED AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Kindly Correct or removed the following items immediately : XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; Chapter 7 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I put my XXXX down and paid the company and then they sent me to collections. I have no idea why I would owe more money as I never received XXXX  or any goods from them. I would like this off my credit
Product: Debt collection

Credit Acceptance is reporting a balance for a car repossession account on my credit reports. However, the company did not follow the laws and provide me with the required state notices after the car was repossessed. The company was required by law to send me a notice about the car being available for sale at an auction or a private sale. The company did not provide this notice. After the car was sold, the company was required to by state law to send me a notice notifying me of the same with a break down of the fees and any balance due. The company did not send this notice either. This is a violation. Due to the company not providing the required state notices, they can not collect any balance from me and can not report a balance owed from me to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 9. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These hard inquiries should not be on my credit report : 1. XXXX XXXX, 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 1681b.

2. 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 1681b. 
3. XXXX 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 1681b. 
4. XXXX 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 1681b. 
XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
6. 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 1681b.
Product: Debt collection

I have a debt from hunter warfield for the amount of {$2000.00} and XXXX XXXXXXXX XXXX XXXX for {$250.00} that reported again on my credit report, I have disputed these inquiries with my XXXX, it was removed and re-added without notifying me within 5 days prior to adding this inquiries back on my credit report. I have contacted transunion as a good faith attempt. And asked them to remove the inquiry since it was illegally re-added, and they was unable to assist.
Product: Debt collection

XXXX XXXX XXXX, ERC, XXXX XXXX XXXX   please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.
Product: Credit card or prepaid card

A few schredule payments were return do to invalid card and my card is not invalid my account was close for this reason for suspicious theft fraud i recently made a payment online when i was told my card dont work and it process successfully.
Product: Credit reporting or other personal consumer reports

Consider this letter a NOTICE AND DEMAND TO CEASE AND DESIST. 
You have been dutifully and lawfully warned. 
I noticed a COLLECTIONS entry from XXXX XXXX XXXX trespassing on my XXXX, XXXX, and XXXX credit reports dated XX/XX/XXXX. 
You are erroneously reporting a contractual debt and that a civil dispute exists between us.

There is none to my knowledge. Produce the contract that exists between us, otherwise DELETE the COLLECTIONS trespassing-entry from my property. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 
If you are attempting to enter this alleged civil dispute without contract, with my expressed and written permission to include my wet ink signature, you are committing trespass ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I am not a corporation or any ens legis entit.

If you are the Fiduciary in this commercial Matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat against my private Property or my Person, including you and / or your agents reporting erroneous and harmful information to various credit reporting entities. 
Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signatory on the original Contract, you are a third party. You are a liability and no assistance in this commercial Matter. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an unqualified Third Party Interloper / Trespasser. 
In your next correspondence, please forward the instrument that establishes the debt obligation between XXXX XXXX XXXX and XXXX : XXXX plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ).

OTHERWISE you will be accepting my explicit offer to pay {$150000.00} per entry, for my permission to maintain the COLLECTIONS word on each bureau to include XXXX, XXXX, and XXXX. 

Hence, I, XXXX : XXXX, hereby declare that your non-removal of three COLLECTION entries constitutes your acceptance to my offer, a binding contract. I categorically emphasize that XXXX XXXX XXXX MUST pay a total of {$450000.00} for my explicit permission to maintain the COLLECTIONS entries on my name, my reports, my property. 
Be forewarned and hereby notified that this offer and your acceptance is contractually binding. My permission for XXXX XXXX XXXX to maintain three COLLECTION entries on the three credit reporting bureaus trespassing in MY property, XXXX : XXXX, is {$450000.00}. TAKE NOTICE : This is a Notice and Demand. 
***Notice to agent is notice to principal***
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX AmT {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   {$1900.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$970.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX   {$240.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Accounts : XXXX. XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$440.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$0.00}