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

Unknown For Profit Corporation Credit Plus Date of Inquiry : XX/XX/2017 Reason : this inquiry was made without my knowledge or consent and I disputed, and requested to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. They have ignored several request to  provide supporting documentation. I tried calling to get a response, but was told it was requested by myself via XXXX XXXX which I have never heard of. 


I contacted Credit Plus and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), 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. Code 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 To my knowledge, I have not signed any documents authorizing Credit Plus or XXXX XXXX to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If they are in possession of any document that believe I authorizes their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they will agree that verifying my information is in their best interest. Finally, assuming they do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Credit Plus also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting or other personal consumer reports

i am writing to request an investigation of the following information that appears on my consumer report. 

XXXX XXXX XXXXXXXX The status is in correct The account is too old to be on my credit report The payment history/rating is incorrect The dates on this account are incorrect i request that you thoroughly review the disputed information and if found inaccurate or incomplete, take the necessary steps to remove it from my consumer report. please provide me with a written confirmation of the resolution once the investigation is complete. 

The account violate these laws : 15 USC 1681i. 15 USC 1681s2. 15 USC 1681i5. 15 USC 1681eb. delete account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and personal identifiable information including credit card details and social security numbers were accessed for 143 million consumers, including myself, according to Equifax 's own checker site. 

This complaint is in response to that incident. So far, I appear to be unaffected by any sort of crime, but I 'm keeping a close eye on my accounts and credit and want to make sure that should anything occur, that Equifax is held responsible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was working with XXXX XXXX XXXX ( XXXX XXXX ) for my mortgage requirement. 
1 ) XXXX made first enquiry into my my credit report on XXXX XXXX and suggested me to pay one of card to reduce my balance. 
2 ) After I pay the card and send him the proof of the payment, he suggested me that he will be able to do rapid rescore so that he will be able to give me some competitive rescore. 
3 ) He also told me that for rapid rescore, they do n't need to re pull credit report again. 
4 ) I trusted him as I understood that pulling credit score is a standard practice in the market.for mortgage loans application. 
5 ) XXXX made another query into my credit report on XX/XX/XXXX where he never took my permission again for this XXXX query in my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

EXPERIAN, WILL NOT LET ME BACK INTO MY ACCOUNT BECAUSE I CHANGED MY PHONE NUMBER, I GAVE THEM ALL THE CORRECT INFORMATION, STILL THEY WILL NOT LET ME INTO MY ACCOUNT I'M VERY MUCH ANNOYED WITH EXPERIAN. 

IT'S BEEN OVER THREE WEEKS STILL I CAN'T GET INTO MY ACCOUNT. 
I CALLED AT XXXX XXXX XXXX XXXX XXXX XXXX TODAY AND NUMEROUS OTHER TIMES NO-ONE WILL HELP, I FEEL THIS IS DELIBERATE FRAUD. 

PLEASE HELP I NEED ANSWERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was charged {$510.00} and {$640.00} my credit card account through Wells Fargo. I did not have my card in my possession and did not authorize anyone to use my card. I am single and have no other authorized users on any financial account. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. At the time of the fraudulent charges, I was in the XXXX XXXX area. 

Texted yes to fraud on XX/XX/XXXX Phone call with Wells Fargo starting XX/XX/XXXX ( about XXXX calls ) Police report XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Wrong Name : XXXX XXXX  XXXX WRONG DATE OF BIRTH : XXXX  WRONG ADDRESS : XXXX XXXX XXXX  XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}. 

Company or Organization : XXXX Date that I discovered XXXX Total fraudulent amount : {$420.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$920.00}. 


Company or Organization : XXXX XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5000.00}
Product: Payday loan, title loan, or personal loan

In more than 10 years Ive never been able to get a loan here. Now twice a day Im getting loan offers, becoming a nuisance. Temptation to lower my credit score knowing a denial is inevitable.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see prior attempt for sumission of information. I will contact my lawyer to dispute this XXXX  suspension.
Product: Debt collection

On XX/XX/2020 I contacted Elevate Recoveries LLC via certified mail regarding two violations they have made. The bill was in the amount of {$730.00}, therefor I sent them a invoice in the amount of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, A month ago XXXX XXXX report a 30 days late payment to Transunion. I have contact the agency and I submitted a request to investigate and today XX/XX/2018 I received a letter stated that credit card bank reporting is correct. 
I have open the account with XXXX in XX/XX/XXXX and I have not get any statement from the bank and all the sudden the bank start reporting late payment. I have contact the bank numerus times and complained that I have never get a payment statement and they told me that was a problem and they did fix it and I should have no problem any more and for the next 3 months I have to make the payment without receiving any statements anyway the late payment still on my credit and this is not a fair treatment from a bank who have an outdate billing system. 
Thanks for your attention of getting the problem solved and removing the late payment from my credit report. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am reaching out regarding PayPal Inc . I once was an account holder with this company until recently. The month of XX/XX/ my account was permanently limited, by the automated system per the details provided to me by the company call center representatives. I currently have funds still in my account and per the company I must wait 180 days to access what is rightfully mine. I am seeking help to get the company to release my funds to my back immediately due to me not having the means to allow anyone or any company to hold my money without permitted access. I am currently experiencing financial hardships which my {$750.00} would make a huge difference to me and my family right now. I can't wait 180 days to access my money, for any company to expect that this is acceptable is absurd. I have spoken with the proper channels within the company and was advised there was nothing they could do to over-ride the system autogenerated decisions. There are not any outstanding claims or anything on my account and I have properly verified my identity numerous of times. I am in desperate need of my money and would appreciate to have access to it. I am not pleased with the decision that PayPal no longer doing business with me, but what can I do. To say I would appreciate my money today is an absolute understatement. Please help me. I am a single mother of XXXX and XXXX is around the corner and my children deserves to be happy on that day just like everyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX submitted an affidavit to Experian regarding violations that arose from an account Experian is reporting without my permission or written consent pursuant to 15 usc 1681b. ( 2 ). Experian did respond to the affidavit but they updated the account as accurate saying they did an investigation.Pursuant to 15 usc 6181a ( e ) Experian did not do a complete investigation as it would entail an interview with my neighbors or my family, In which they did not do. Experian has violated my right to privacy as a federally protected consumer.Pursuant to 15 usc 1681b ( e ) i elected to have my name and address excluded from any list provided by the consumer reporting agency in connection with a credit transaction not initiated by me. Pursuant to 15 usc 1681a ( 2 ) ( b ) Exclusion the consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, Pursuant to the Truth and Lending Act we know the term credit card means any card, plate or coupon book or other device existing for the purpose of obtaining money or property labor or services on credit. Experian has failed to comply by the laws governed by congress which has caused me adverse action.Pursuant to 15 usc 1692c Experian did not Cease the collection of this alleged debt and continued to report and furnish data without my my consent, Pursuant to 15 usc 1692k Experian is Civilly liable for damages sustained.Pursuant to 15 usc 1681n they are in violation and liable for willful noncompliance
Product: Checking or savings account

I have a budget, I live paycheck to paycheck, and needless to say I review my checking bank account online every evening. My last incident of many, On Monday, XX/XX/2019, I noticed that ( 2 ) charges hit the checking account, and as previously instructed by the bank customer service, Ensure to balance your account before midnight. I went to the ATM and made the deposit and the receipt shows a positive balance ( receipt attached ). The next day the bank had charged me for insufficient funds fees ( $ XXXX {$64.00} ) anyways. I called their customer service to complain and their last excuse is that I have to read the ATM receipt that explains that any deposit done in ATMs will be credited the next day. I have this account with this bank for 20 years and this the first time that customer service give me this new excuse not to waived the fees. They only allow ( 1 ) waived fee per year among many other excuses.
Product: Money transfer, virtual currency, or money service

Issue : unable to withdrawal from Blockfi investor wallet in cold storage. This wallets ownership is in my name in cold storage and not to be used to satisfy secured creditors if bankrupt.

Under Blockfi 's terms of use, the XXXX is my own property and thus, I should be able to withdraw/receive the funds because they are not BlockFi 's property.

Since withdrawal has been unavailable due to the company blocking them, I am afraid the company may use my assets to further their personal objectives. The organization has not acknowledged these terms of use control.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX. Equifax, and XXXX letters disputting the inaccurate and incomplete items they are reporting on my credit report. violating XXXX XXXX XXXX ( b ). it states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

the items that are inaccurate are the following ; 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: Debt collection

I noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.
Product: Credit card or prepaid card

I have been furloughed by my company due to Covid19. This occurred on XXXX, 2020. I immediately filed for unemployment since I am XXXX years old and have a XXXX son I care for. It is now XX/XX/2020 and I have not received a card from Oklahoma Way2go prepaid card/ XXXX, through the Oklahoma Employment Security Commission . I have received written notice of eligibility as well as online evidence of payment for past six weeks. I have called the company phone number numerous times, to get assistance with this, only to be placed on hold, diverted or hanged up on. I am at a loss. In addition, I have daily gone online through the OESC, as recommended to attempt to reconcile this.
Product: Debt collection

The debt does not belong to me. Ive disputed this debt several times.
Product: Credit card or prepaid card

I am still affected by covid 19 and I can not pay this bill. I need another payment waiver.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period. 
Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX I had XXXX charger for XXXX then on the XXXX they removed the charge and then it is said it must have not made the cut off time but it did. 

XXXX And they open an other checking account without me asking for it I feel like its retaliation for me sending the settlement request email to them. that they said they had not information about.
Product: Debt collection

THEY ARE CALLING MY NEWLY ISSUED WORK PHONE NUMBER ( LAND LINE ). I AM NOT THE PERSON THEY ARE LOOKING FOR. I HAVE ADVISED THEM OF THIS, AND ASKED THEM TO NOT CALL AGAIN, BUT THEY CONTINUE TO CALL 2-6 TIMES A DAY, PER MY CALLER ID. THEY HAVE CALLED ME A TOTAL OF 12 TIMES SINCE XX/XX/2017. I TOLD THEM TO STOP CALLING WHEN I ANSWERED THE FIRST CALL I EVER RECEIVED FROM THEM ON THE XXXX. THE PHONE # THEY ARE CALLING IS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance corp is a lemon for cars. i bought a used card from them its was a LEMON didnt run properly too much work it wasnt even 10 days they told me to return the car n it will not show up on my credit i believe them very gullible young lady they came pu car n reported it as a repossession but i turned it in i paid of the difference credit acceptance it will be removed they Lied its on my credit as CLOSED unexceptable should be REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}