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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : CREDIT XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I am challenging the accuracy on my credit report for Acct # XXXX with Kikoff Lending LLC again for the for the fifth or sixth time. I have uploaded a copy of my consumer report showing inaccurate late payments that are reporting XXXX XXXX, XXXX and XXXX  days late with experian but XXXX reporting the payment was paid and ok and instead of all credit bureau 's stating the same thing they are reporting differently, and this is hurting my chance of getting approved for an apartment and a car and indefinitely hurting my creditworthiness. I also see XXXX different dates of my last payments from XXXX different credit bureau 's which makes no sense and I ask that you update and correct my credit report stating paid as agreed and remove all late payments being shown on my consumer report.
Product: Payday loan, title loan, or personal loan

Person identifying self as XXXX XXXX with " Lending Tree XXXX XXXX '' attempted to gain access to my online banking information. When I found the supposed email he sent to me regarding a loan request, he stated that he saw I had 'opened ' the email ( no read receipt was sent ). I reviewed the email and found multiple descrepancies with the formatting, spelling and punctuation layouts. The attached PDF file was very obvious that he was attempting to scam me, and I had already given him routing/account information for XXXX and my debit card information. I disconnected the call immediately and proceeded to freeze my credit on all three reporting bureaus and locked my debit card immediately and moved money from my bank account to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed in a dispute to Experian. I'd sent a copy of my credit report along with identification requesting they re-investigate/ delete and account which had been reported by XXXX XXXX to Experian XXXX the contract for credit had been cancelled/ rescinded by the creditor when it was determined I hadn't entered into the contract and service was never provided. After several hours on the phone with the creditor they were very helpful in resolving my issue, and advised me if any negative items have been reported to the credit bureau to have them investigate through their dispute and the item will be removed due to the original contract being cancelled/rescinded and they didn't have any information. 

shortly after mailing in my dispute to Experian i received and online notice that my dispute had begin on XX/XX/XXXX and would be resolved by XXXX. a Few days later I received an email that my dispute had been completed and updated. Experian did no investigation into my written dispute. i called on XX/XX/XXXX and spoke to an Experian representative named XXXX who verified that the account was updated but no dispute had taken place. if Experian did their job and properly investigated my dispute they would have found that information was unverified and the contract was cancelled due to being fraudulently obtained. Experian didn't even honor my request to submit the dispute via online. They did nothing! The Experian Rep XXXX agreed that dispute was not handled properly and submitted one via telephone. He also provided me an updated case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. XXXX and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and XXXX are have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Method of Verification Dear Experian, I am writing to formally address an issue concerning my recent credit report. I requested a verification method for the information that was provided in my credit file. However, I have yet to receive any details or explanation regarding the process of verification for the disputed items XXXX XXXX XXXX account number # XXXX and world finance account # XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report, and the credit bureau is required to respond with the proper method of verification. As part of this process, I would like you to provide a clear explanation of how the disputed information was verified, or to remove the inaccurate entries if proper verification was not conducted. 

Please respond to this request within the required XXXX period from the receipt of this letter. If I do not receive a satisfactory response, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help. 
2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And some accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( One main Financial ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I hope youre doing well. I have an existing XXXX XXXX Spend and Savings account. XXXX XXXX always tries to push the XXXX XXXX XXXX XXXX on their customers. I received an email from XXXX XXXX XXXX XXXX that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the XXXX XXXX XXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this XXXX XXXX XXXX account on XX/XX/XXXX. I then followed up with an email to the XXXX XXXX XXXX XXXX customer Service Department. I just noticed on my Transunion, XXXX and XXXX credit reports that XXXX XXXX reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof. It is reported on my TransUnion as a collection in error.
Product: Debt collection

From what I understand, FCRA 605B requires the deletion of any incorrect accounts from my credit report. Could you please take a look at the documents? There seem to be inaccuracies in some of the listed accounts, and it's causing me some discomfort.
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 15 USC 1681. 

XXXX Account : XXXX Dept Of Ed / XXXX Account : XXXX / XXXX XXXX Account : XXXX Us Department Of Edu Acct : XXXX Us Department Of Edu Acct : XXXX, has violated my rights. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing XXXX Fraudulent accounts. I listed XXXX fraudulent inquiries in that FTC report as well.
Product: Credit card or prepaid card

My way2go card got disabled they made me send my info to a email and i wasnt comfortable with it at all they denied me after i sent My info i need you guys help unlocking my card or getting a replacement card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18- on my desktop computer, I went to the XXXX website to pull my free credit reports for Equifax , XXXX & XXXX . I keyed in my information, name, SSN, birthdate, address. I was able to get a XXXX & XXXX credit report in my name. 

However my Equifax report was someone else 's report. The last 4 of his SSN did not match mine. I have all his credit information. I have his birthdate, his address and all his credit information. It does not appear to be a mixed file. That is not my information at all. 

I am upset that I have this information because if this has happened to me, who has seen my credit report? I called Equifax on Sunday @ XXXX. They told me to call back on Monday to a different department & gave me the number. The number was the main number and not a specific department ( I didn't realize this until I called it on Monday ). I call back on Monday XX/XX/2018 @ XXXX. I get XXXX in the XXXX. He said the systems are updating and that I have to call back in 30 minutes. I asked if Equifax had been breached and he said no. 

I call back 90 mins later ( @ XXXX ), I get another phone rep who repeats the same thing ( word for word ) that XXXX said earlier- the systems are updating. I ask to speak to the manager. She gets on the phone and states that they are experiencing an emergency system update. I asked again if they were breached and she said no. She said that I had to print this credit report out & snail mail it back to Equifax. Come again? I offered to provide the report confirmation number- but she didn't want that. She wanted my SSN, I did not get this information to her. 

I don't trust Equifax at this point. Is this known occurrence to get someone else 's credit report? The Equifax people I talked to did not seem concerned and that has made all of this worse. I am very upset my these events. I am increasingly worried about fraud.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE THIS COMPLAINT WITHOUT PROPER VERIFICATION AND RESOLUTION.

15 USC 1681 ( i ) 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXXXXXX XXXX # XXXX has violated my rights 15 U S C 1681 section 602 A. 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: Debt collection

This debt collection agency has never called, emailed, mailed or made any attempt to reach me regarding this debt. I only discovered it due to a credit report after they had been reporting it for more than a year. Upon discovering the derogatory mark, I reached out to the company to explain that the contract they were attempting to collect on was my Father 's of the same name who passed away in XXXX of 2014. I don't even know how they got my social security number. It is troubling that they would take the time to find my social and report me to a credit reporting agency, but they won't take the time to send an email, make a call or lick a stamp and send an envelope! They say they have a signed agreement that proves I agreed to the contract and payments with XXXX and that I provided XXXX my social security number, yet they have failed after several attempts to provide this evidence. I have NEVER given XXXX  my social security number nor did I agree to any charges. My Father may have, but I did not and it is for this reason they fail after several requests to provide this evidence. If I signed this contract and provided my social security number, than the burden of proof lies with them. For this reason alone they should drop the matter and remove all derogatory marks from my credit reports. They should take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is more along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not. In this case, it is not.
Product: Mortgage

I paid the loan in full on XX/XX/2021. I received paid off letter ( attached ) from SPS dated XX/XX/2021. To this date I have not received any release of interest on the property from SPS. County records have also not been updated to this date ( XX/XX/2021 ).
Product: Mortgage

I was backed paid XXXX months and unable to pay due to medical and loss of wages, that Wells Fargo was aware of. That addd me to the forbearance option as I waited an additional 3 months for a decision that was never in favor for myself. Wells Fargo denied the modification, forbearance, and any other assistance programs. They said the Investor is the one making all the decisions or have guidelines to what they could provide to me via Wells Fargo. I asked for investor information, Wells Fargo denied me that. Also was not speak to the underwriter. I waited a total of 7 months starting the end of XXXX to XX/XX/XXXX and gettin no where, but ending up with a back mortgage of {$8500.00}, that has to be paid off by XX/XX/XXXX, or foreclosure process can take into affect.
Product: Checking or savings account

On XX/XX/year> an debit of {$1500.00} to XXXX for my XXXX rent payment showed on the app as Completed at XXXX as the funds were available to make this payment ( balance of {$1500.00} ). At XXXX on XX/XX/year>, I entered a toll road in XXXX , TX and the XXXX of Texas attempted a debit of {$20.00} to increase my toll balance, which should have been denied due to lack of funds. But instead, CashApp then declined my earlier completed rent payment of {$1500.00} and incorrectly paid the {$20.00} to the XXXX, which should have been rejected for insufficient funds. 

I have contacted CashApp and told them to correct this error as they can not show a transaction as Completed and then take money away from that completed transaction to pay a new one. They will not fix this error and I am now facing possible late fees and NSF fees from my apartment complex. They also told me they dont have the ability to manually push a payment through ( even though this their error. ) This is not right as the funds were in my account and the transaction should not have been reversed to pay another transaction later in the day that should have been rejected. Thank you for any assistance you can give.
Product: Debt collection

American Profit Recovery said my credit score would be damaged forever if I refused to pay this collection account debt to them. The service for these charges was never authorized by myself and were disputed directly with the original creditor. Ive never provided my social security number to the original creditor or American Profit Recovery, but they somehow obtained it and misused it to report a collection account debt for unauthorized charges.