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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

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

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

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

XXXX The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX  The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14
Product: Debt collection

I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a CFPB complaint about an inquiry I didn't recognize to Equifax : XX/XX/2022, XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Equifax stated in their response : " XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' That is not true. The inquiry is listed on my Equifax file. That is how I discovered it.
Product: Checking or savings account

On XXXX XXXX 2022, I opened a savings account with Bank of America, N.A. ( BofA ) online. I answered everything asked for to the best of my knowledge. I also disclosed my dual citizenship ( XXXX being my other citizenship ) since this was asked about too. 
I was able to fund the account with {$250.00} from another account with another financial institution via XXXX while going thru their opening procedure online. 
I received an email confirming the account opening right after that and was able to log in online to that account for the first time. 
The next morning I tried to log in again online, but wasn't able to do so. 
The day after that, XXXX XXXX 2022, I noticed that the initial funding amount of {$250.00} was debited from my other account with another financial institution. Therefore, I tried again to log in again online, but wasn't able to do so. 
I called BofA to request a new password as I wrongly assumed I didn't enter it right. Since I didn't have my full account number, I was put on hold for someone from their " Fraud Department '' to answer my call.

After some considerable wait, someone answered my call and told me that my account was closed without giving any reason and was transferred to speak to someone else if I wanted my questions answered. The next person did not tell me my account was closed, but told me that I would need to go into a branch with a form of ID and my SS card in hand to verify my identity to access my account and my money. 
I did that the same day in the afternoon. After some more considerable waiting, someone in the branch was able to pull up my account information after they verified my identity. They told me that the account was closed and a check was issued. 
I left the branch anticipating a check to arrive in the mail sometime the following week. 
It took BofA until XX/XX/2022 to credit my other account with another financial institution for the same amount originally withdrawn. 
BofA sat on my money for one week, wasted my time, made me drive into town to their branch giving me the run-around and didn't even provide any explanation whatsoever as to why my account was closed. 
I suspect it might have to do with my national origin/dual citizenship, however I don't have any evidence for that other than the above stated facts.
Product: Debt collection

They asked for personal information saying they could not give me the debt information until I give them personal information. Told me it was recorded. Asked my name that they had. Wanted my birth date and SS number. I refused to give them personal information saying please share with me the dept you are trying to collect. They said they could not speak with me then. I said I cant provide personal information and they need to share with what they are collecting. They steeed me to their web site but I already had been there and it asked for personal information and the text messaging does too. I have not received any mailing from them about any outstanding bills. XXXX. They keep on calling me leaving messages but now they are using my name when they did not before and before they refused to tell me who in my house oh hold had the debt. It seems like pfishing.
Product: Credit reporting or other personal consumer reports

This car was stolen & I am no longer responsible for this account due to the fact the vehicle was recovered & sold.
Product: Checking or savings account

Hi, I'm XXXX XXXX XXXX from La XXXX, XXXX XXXX, XXXX. Recently, I founded a company in Wyoming called XXXX XXXX ( XXXX XXXX ). Since the company was in process, I was trading with an account in XXXX in XXXX XXXX without any problems for about three months. However, when I accumulated more than {$10000.00}, they froze my account and asked me to send them proof of the transactions. I sent them evidence showing the item sold and the selling price that corresponds to the money that entered my account, but they haven't responded to me for more than 5 days. I need the money to work and fund my company. How can I recover my money?
Product: Credit reporting

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of.You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Equifax, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

I am not liable for debt with XXXX XXXX XXXX XXXX. I did sign or received a original company from CKS Prime investments and demand this be removed from my account.
Product: Student loan

I started in XXXX COVID loan forgiveness program, I have the qualifying 120 month/10 years with non-profit employment, i have been told several times my load was forgiven, I was with Navient, XXXX XXXX Services XXXX XXXX Mohela. I have a XXXX page track record of everyone I have spoken to in Mohela, I was told they are processing my information but I needed to email my XXXX 's which i have done 8 times, they are not located so I email again, I am getting the run around half the time i feel the person I am speaking with has no idea what to tell me. the last time I called I was on hold for XXXX XXXX hours before I could speak to a supervisor, I spoke XXXX XXXX XXXX case # XXXX was asigned to me said check in of XXXX I should be getting a letter forgiving my loan, did not happen, I spoke XXXX XXXX - XXXX XX/XX/XXXX Resolution team, she promised me my loan will be forgiven because I have 120 month/10 years full time employment, said she would call/email process within 30 days this did not happen, I spoke to XXXX ( employee XXXX XXXX ) - supervisor end of XXXX after waiting XXXX XXXX hours said i need to email XXXX XXXX yet aging that was the hold up, I asked her why the last supervisor XXXX said everything was XXXX place my loan was forgiven, XXXX said they do not have an XXXX XXXX, XXXX XXXX XXXX would XXXX me XX/XX/XXXX letting me know I was approved, she promised me several times she would not let me down, she did no call. I am paying {$17.00} a month, back in XXXX i owed less than {$8000.00} now it's over {$23000.00} with the interest rate and who know what ever charges I have, this is so wrong, I am very educated on the media with Mohela not using the COVID funds properly, I need help I need to know who I can speak to that will review my case and see that I have been scammed, please, please help me I need your help.
Product: Debt collection

I am a victim of identity theft. My name is XXXX XXXX XXXX XXXX XXXX last four of social XXXX  I have found accounts/collections on my credit reports that are a result of the identity theft. I have filed a FTC identity theft report on XX/XX/XXXX and have provided it, the report number is XXXX. Per FCRA I want the following accounts/collections removed from all credit files by the debt collector XXXX XXXX XXXX XXXX 

{$600.00} on XX/XX/XXXX XXXX XXXX {$460.00} on XX/XX/XXXX XXXX XXXX
Product: Debt collection

Requested validation of the debt from the original creditor XXXX XXXX XXXX XXXX to which now MERCHANTS & MEDCAL the debt buyer have been reporting the open account open and active since the purchase to which XXXX XXXX XXXX XXXX have charged off and closed the account prior selling it to MERCHANTS & MEDCAL
Product: Credit reporting or other personal consumer reports

XXXX  is in clear violation of this law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account has been sold to another lender which means they don't have OWNERSHIP of this account and is reporting inaccurately on my credit report. 

This account does not exist on my XXXX credit report and needs to be removed from TRANSUNION XXXX XXXX immediately for reporting inaccurately
Product: Credit card or prepaid card

On XX/XX/XXXX, I received and email stating my new card was on it 's way. On XX/XX/XXXX, I was resetting my password for my Capital One savings account when I saw 2 usernames linked to my email address. The second email address : " XXXX '' was not an account that I opened. I called Capital One savings customer service and was transferred to their fraud department. The representative in the fraud department deactivated the fraudulent online account and forwarded my case for investigation by Capital One. The representative told me that the charges were not my responsibility, because they were not made by me and to wait for a letter from Capital One. I activated the 90 day fraud alert and waited for the result of the investigation from Capital One. On XX/XX/XXXX, I received 2 letters from Capital One dated XX/XX/XXXX. One letter stated in " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The second letter listed all the fraudulent charges as not fraudulent and I was being held responsible for the charges : XXXX XXXX, XXXX, XXXX, XXXX, XXXX in the amounts of {$54.00} ; {$190.00} ; {$200.00} ; {$200.00} ; {$220.00} ; {$320.00} ; {$340.00} ; {$380.00} ; {$390.00} ; {$400.00} ; {$1300.00} ; {$1400.00} ; {$1800.00} ; {$2400.00}. I never received or activated the Capital One credit card, because it never arrived. A false online account was opened at Capital One, which I assume is related to the missing card. I would like to know how the card was able to be used when I never received nor activated it and how it was possible for a fraudulent online account to be opened. I do n't even know my credit card number. How was information I only sent to Capital One obtained by a third party who fraudulently activated my credit card and opened a fraudulent online Capital One account? Thank you.
Product: Debt collection

I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. 

Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. 

I believe that the company is mailing out mass letters to every address related to any persons with the last name XXXX.
Product: Student loan

I have been paying XXXX/Navient since 2004. My payments seem to hardly chip at the amount due. I have some late charges as well and they told me I do n't qualify for XXXX Forgiveness or Public Servant reprieve even though my XXXX qualifies. I have been a XXXX for 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Afni collection agency calling constantly and harassing I don't believe that the amount that they're saying is accurate
Product: Debt collection

I am writing in regards to a {$600.00} check that XXXX cashed from me when I filled out a credit application at the XXXX and a phone call I received from their office on Monday of this week. I changed my mind about trying to get an apartment at the XXXX and wanted to get my check back. The most concise way to let you know what happened is outlined below : XX/XX/2017 Filled out credit application and left {$600.00} check in interest of an apartment. Have not signed a lease agreement XX/XX/XXXX Contacted the leasing manager at XXXX and told him I was n't interested in getting an apartment there after all and that I 'd like my {$600.00} check back. He told me he 'd have to talk to the management company because he did n't know if he could do that. Considering I had n't signed any agreements I did n't see a problem with me getting the money back. 
Week of XX/XX/XXXX I contacted the apartments and your office multiple times during the week of XX/XX/XXXX by phone and email and finally was able to speak to XXXX on XXXX. XXXX said the check would be sent shortly. 
Week of XXXX XXXX XXXX to speak to someone in your office all week with no success. 
XX/XX/2017 My family member spoke to XXXX in your office and followed up with an email restating everything that had been discussed. I also contacted my financial institution to let them know of this situation I was having. 
XX/XX/2017 XXXX replied to the email received and said the check was in the mail today. 
XX/XX/2017 Received and deposited refund check from your company for my {$600.00} due XX/XX/2017 My original check had been cancelled by my bank without my knowledge ( found this out in the call on Monday of this week ) XX/XX/2017 Received threatening and harassing phone call from your company saying I am being sent to Collections because my check was cancelled and I deposited refund check from you. Following is what happened during that call : The employee ( I did not catch her name but I have a phone number XXXX ) raised her voice and would n't let me speak and stated that they were sending me to collections for {$1200.00}. When I asked why collections was going to be contacting me for {$1200.00} she raised her voice and angrily stated that she did not owe me an explanation. When I said I was not trying to be confrontational and I just wanted a reason for this call and the amount you say I owe. The person calling said my original check had been canceled and she would not tell me what the extra {$600.00} was for. This person was very unprofessional and threatening. 

When I pressed further and asked why you would be asking for the money they sent me back she again said she did not owe me an explanation. I told the employee of yours that I would be more than happy to pay you back the {$600.00} ( and have paid that back which is documented in the attachments ) that I did not know had been refunded but I did n't understand the extra {$600.00} she still did not explain to me why they were trying to get the money back that they had sent me. I have proper documentation from the XXXX and XXXX that states that they did owe and paid me the {$600.00} refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX Bank ( Inquiry ) has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.