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

Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my Equifax report on XX/XX/XXXX without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with XXXX XXXX Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand.

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.
Product: Debt collection

national credit systems have billed two accounts to my credit XXXX XXXX XXXX XXXX of {$3900.00} and XXXX  XXXX of {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and Equifax credit bureaus shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed account on my file. 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. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Product: Mortgage

In XXXX XXXX XXXX XXXX divorced XXXX XXXX XXXX and in XXXX without my knowledge he was able to obtain a second mortgage for my home that was quit claimed to me on my divorce decree. Subsequently the loan is in default and nationstar is refusing to give me the pay off amount I have requested it several times and was not able to obtain it since the mortgage is not in my name the second mortgage was done and obtain by XXXX XXXX XXXX without my knowledge nation star has refused to speak with me. the home is now in foreclosure and it houses my business which consists of 5 persons with XXXX.
Product: Credit card

I had asked XXXX to dispute a fraudulent charge that kept showing up on my credit report that i had no understanding of existing in XXXX of XXXX. I never received a bill or anything other than it showing up on my credit report. Someone had used my information from an old address that i lived at the open up this account and had even paid part of the balance on it. I didnt even live at this former address for 2 years when this account was opened. I called XXXX XXXX on XX/XX/XXXX  to see if they could help me verify that this account was opened by identity theft and they said since i had a creditor investigate it that they couldnt do anything to help now. I didnt even know that this account was opened since i have never received a bill to my current address. I have asked that XXXX again look into this as fraud because it is and i have no awareness of this account. Please make this right. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding fraudulent addresses, unauthorized inquiries and fraudulent accounts established in my name without my consent or knowledge. I discovered that I had fallen victim to identity theft when I noticed several unfamiliar accounts and credit inquiries on my Equifax credit report. Despite my efforts to resolve this issue, Equifax has not removed these fraudulent entries. These unauthorized actions have caused significant damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request these inquiries contact company and company did not see anything on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$100.00} XXXX  XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$530.00} ; XXXX XXXX Balance : {$0.00}.
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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX 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 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, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, 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 number # XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX account numbers XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states i have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

To Whom It May Concern : I received a copy of my ( Transunion ) credit report, and noticed some INACCURATE late payments that need to be deleted. They are as follows : List Name of accounts with late payments with their account numbers. 

XXXX XXXX XXXX Before we move forward, the term accurate pursuant to the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. 
These late payments that are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any Clearly, exclusion means something that is not supposed to be included. The law states that ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. 
Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report?

Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have sustained defamation of my character as a result of this information and am demanding you to delete the above late payments from my consumer report, because this agency is in violation of the FCRA or 15 USC 1681. 
Best regards, XXXX XXXX
Product: Debt collection

I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, PENTAGON FEDERAL CR UN XXXX XXXX, XXXX  XXXX XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach and have identified several unauthorized inquiries on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I request that the following fraudulent inquiries be blocked and permanently deleted from my credit file : Unauthorized Inquiries : 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 XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I Filled A Claim for a Transaction that was Done On My Account For USPS {$570.00} And M & T Bank Denied My Claim Because the Merchant USPS Provided Documentation Saying That The Money Order Was Cashed and i Return this Money Order Back to the Merchant and The Merchant Claim to the Bank that the Money Order Was Cashed Something That was Not True Please Help me Fix This Problem Even Thogh I Provided M & T Bank Documentation That The Money Order Was Refunded By The USPS Back into my Debit Card and its Been More Than 30 Days And Their Still No Refund Coming Back From USPS M & T BANK REVERSE THE PROVISIONAL CREDIT - {$570.00} And Made My Account Negative : - {$570.00} Please Help me With This Problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help! The credit reporting agencies allowed a reinsertion of XXXX XXXX after it being deleted due to failing to validate that this debt belongs to me. As stated before I never authorize this account. The credit reporting agencies failed to properly notify me prior too furnishing this account that is reporting as a charge-off. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from XXXX XXXXXXXX stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from XXXX XXXXXXXX stating that they are closing the account. Exhibit XXXX is a letter from XXXX XXXX stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to XXXX XXXX which they continue to violate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I registered for a school on around XX/XX/XXXX i was told i had to take a student loans with XXXX XXXX but before i started classes i enrolled i a program caLLed XXXX XXXX that paid for my entire program and i no longer needed the loans From XXXX XXXX. The school was told to return the money and i did not find out they had not returned the money sent on my behalf until i started getting letters a year or so later saying that i owe money. Well i called the school to find out why was i getting letters say i owe and they kept giving me the run around. This kept me from living my life i could not go to school anymore and it caused me to almost to go into depression..i finally got a financial aid rep to help or i thought and she said they made a mistake and that i they were waiting a response from corp to see what they could find and what to do. well after awhile i found out that they had no sent the money back like promised. I called again an got hold to a new FA administrator who was totally shocked to find out that the school had over XXXX just sitting there in my account she said she going to do everything in her power to help get this right. Because it was so long my account had interest and they said the could not pay that part which left me a balance so i had to make a settlement and it was paid with my tax return! now it being reported as failure to pay but it is paid.. the other is reporting late over 60 to 120 days but its paid ... one is reporting open and sold or transferred. the amounts for the XXXX XXXX are for XXXX and XXXX for XX/XX/XXXX i call XXXX XXXX and the credit to see if they would update my report to show it is paid if the could take in consideration that the school held the money without my knowledge and i asked if the would show that it is paid and not report negative on my report with no late payments they said they would if they could but is was not up to them. Please help! it destroying my credit. This is the same with the Dept of Education on the date of opened XX/XX/XXXX for XXXX balance updated on XX/XX/XXXX it reports legally paid in full for less than full balance but it has FP all the way across my history if it was paid why is it reporting as failure to pay i asked if the could mark as paid and also take in consideration the school withheld that information about them holding the loan and not sending it back knowing my schooling was paid for. There is another Dept of education neg marks for a paid in full account which reports for XXXX transferred or sold opened XX/XX/XXXX i just ask if u can help me get to report paid with no neg marks u r appreciated please help my thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I agreed to settle with capital one as long as capital one agreed to remove from credit report once paid.
Product: Debt collection

Bank of America NJ, continue reporting that I am a risk more than 10 years after I paid off all debts to them. And so could not get a bank account,  Apt   .  or buy a vehicle ; even though any fraud was discharged. At the time, a few of my paychecks bounced therefore a domino effect occurred. B of A blamed me solely, not the company I worked for. That being said, they subjected me to much ridicule. All while not communicating to me of the maximum damage they were causing a former good customer. Bank of America was a bank I opened an Account with while stationed on an   XXXX   XXXX   XXXX   in California USA, at less than  XXXX   XXXX   old    XXXX  .
Product: Checking or savings account

On XX/XX/2019 a Check No XXXX was stolen from my checkbook. On XX/XX/2019 the check was forged and processed through my bank account for {$400.00} I notified the bank Friday the XXXX of XX/XX/2019 when I noticed the funds were missing and filed a police report and filled out an Affidavit for Forged Check. I knew the date that the check was stolen because that was the only date anyone had been around me and my checkbook. 
The bank said that I did not keep the checkbook secure and would not give my my funds back. I had that account number for over 20 years.