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

RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

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

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

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


I contacted the creditors who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I am unable to receive or send money to my Zelle and I have a hobby I bedazzle products and sometimes people send me money and I dont receive it or they paying double by going to cash app cause my Zelle isnt working
Product: Debt collection

I've disputed this account several times with the collection agency that this is not my account. I filed a FTC report as well and they're still trying to collect this debt. This collection is damaging my credit report and causing me several thousands of dollars in higher interest rates as well as I lost the ability to purchase an investment property. 

I've spoken with this agency several times with no resolution. They also can't provide any information after making several requests to verify and validate the debt. We're seeking litigation as well to resolve this matter.
Product: Mortgage

RoundPoint Mortgage Servicing LLC XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX The loan was paid in full in early XX/XX/year>. There was an overpayment of approximately {$500.00} made. After several months, several calls, and emails, and reaching out with my updated address, the check has not been received. 

I am unsure where to go from here to receive my money and the company is not responding or taking action. 

Any assistance would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.
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 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 XXXXXXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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.

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX A XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( TU & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  XXXX XXXX XXXX  XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( TU & XXXX  ) Please remove unauthorized inquiries from my credit file : 1 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up. I 'm  not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN DID NOT PROVIDE ME PROOF OF THE FOLLOWING COLLECTION ACCOUNT. i have no knowledge of this account. I would like experian to not report inaccurate information on my report
Product: Checking or savings account

hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, EIDL LOANS & GRANTS from them. and i didnt had business account as i drive XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX & IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money.
Product: Checking or savings account

I had someone hack into my online banking and I tried to dispute it but I got denied even after providing the documentation. The last time I called I got a very rude customer service representative and she hung up on me. I just want my money back that should be insured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$1000.00}. Please correct this immediately. 

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date XXXX Balance {>= $1,000,000} and XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 45days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60days now that I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
Product: Debt collection

IC Systems reported a {$350.00} collection account on my credit report. Prior to the appearance of this account, I did not receive a notice of my right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX XXXX  of XXXX - XXXX Inaccurate Information [ XXXX ] XXXX  of XXXX - XXXX inaccurate information [ XXXX ]
Product: Debt collection

I obtained a copy of my credit report and noticed this negitive account that is not mine. I never done and business with a company named XXXX. 

Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe : Provide me with signed copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Vehicle loan or lease

I, XXXX XXXX, acting in the capacity of Attorney-In-Fact and Principal, submit this formal complaint against Mercedes Benz Financial Services ( MBF ) CFO - XXXX XXXX for multiple violations related to my lease agreement and the repossession of the vehicle referenced above. Despite repeated requests for resolution, Mercedes Benz Financial Services has failed to respond appropriately to my concerns, and they remain in violation of federal laws and regulations that govern consumer protection. 

Nature of the Complaint : Failure to Respond to Requests and Opportunity to Cure : I have sent three ( 3 ) letters to Mercedes Benz Financial Services, requesting a revocation of all security interest associated with the referenced lease. MBF has failed to respond to or address my requests. This is MBFs opportunity to cure and to acknowledge that all security interests and unearned interest within the contract belong to me, the Principal. 

Demand for Payoff and Itemized Bill for Repossessed Vehicle : As the vehicle has been repossessed, I have requested a complete payoff bill and an accurate accounting of all amounts owed, including any unearned interest that should be returned to me. Mercedes Benz Financial Services has failed to provide this information. 

Tender of Payment : A tender of payment has been made in good faith, and MBF has yet to acknowledge or apply this payment to the account. Their failure to credit the account amounts to a breach of contract, and I reserve all rights to redress the contract accordingly. 

Legal Violations : The following federal laws and regulations have been violated by Mercedes Benz Financial Services : Truth in Lending Act ( TILA ) : Failure to provide accurate and timely disclosures related to the terms of the lease and repossession. 


Fair Debt Collection Practices Act ( FDCPA ) : Engaging in unfair practices by not responding to my lawful requests for information and resolution. 


Fraud in the Inducement : Misrepresentation of the terms of the agreement and failure to honor the contractual obligations. 
Racketeer Influenced and Corrupt Organizations Act ( RICO ) : Potential involvement in systematic fraudulent practices and conspiracies related to the handling of this contract. 


Fair Credit Reporting Act ( FCRA ) : Any negative reporting to credit bureaus based on the misapplication of funds or failure to recognize tendered payment. 


Invasion of Privacy Act : Unauthorized sharing or misuse of my personal and financial information.

Securities Fraud : The mishandling of interest and payments that constitute securities fraud under applicable laws.

Fraud : A continuous pattern of fraud, including but not limited to the mishandling of payments and failure to honor lawful contractual obligations. 




XXXX, XXXX / Attorney-In-Fact XXXX XXXX/ Principal
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : UPLIFT INC. 
ACCT NUMBER : XXXX DATE : XX/XX/2019
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I filed a complaint with the CFPB on XX/XX/XXXX alleging that my loan was mistakenly charged off for failing to make a hardship payment. This was the Complaint of XXXX XXXX, CFPB Complaint No. : XXXX. 
Lending Club responded to me on XX/XX/XXXX stating that they they had mistakenly charged off the loan, but stated that they would change how they reported it to the credit bureaus. However, now that the loan was charged off, I could no longer make automatic payments, I had to call to arrange payments. Thereafter, I called repeatedly to try to make payments and those payments often were not credited properly and promptly as they should have been. For my XX/XX/XXXX I received a notice that my one time electronic payment of {$150.00} " will be applied '' to my account on XX/XX/XXXX according to the arrangements I made on the phone, but then no payment was taken out of my Bank Account. In XXXX they demanded that I pay two months because I hadn't paid XXXX, and took out {$300.00} on XX/XX/XXXX without my authorization or permission. In XXXX, the same thing happened. I called and made a payment for XXXX with a Lending Club customer service person and then I got an email from Lending Club falsely stating that I had authorized a payment for {$200.00} twhen I never authorized that amount. Lending Club told me that someone would get back to me because they had gotten the amount incorrect. My bill said I owed {$200.00} for XX/XX/XXXX when I only am supposed to pay $ XXXX/month. No one has gotten back to me after three times I called and spent an hour on the phone. I can not make payments because they keep XXXX up after they charged my account off. They need to fix this problem once and for all. I want my account not to be charged off, but current, and I want to be able to process my payments on line just like any other account that is current and I want to have my bill paid when I make a payment. I do not want them each month saying I didn't make a payment when i did. Lending Club has the worst customer service. This has been going on now for months. It must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation Is causing me much pain and suffering. I have been trying to apply for new apartments for my family to live in and the information you have posted on my personal consumer report is causing me to be denied roof over my children head. I have been so stressed and was even XXXX recently for because of the stress you are causing. 
This is my third attempt to have your company make this right. I have had no choice but to file a cfpb complaint to settle the matter appropriately. I received you're correspondence regarding my request for validation of this alleged eviction that you " verified. '' However, in the corresponding communication I did not receive any supporting or justifying documents from you nor the rental company as requested in my initial communication to you. 
Please SHOW me EXACTLY how you verified this alleged eviction. Both the documents and the process. Pursuant 15 USC 1681, you are required by law to communicate this with me within 15 days if requested. This is my now my thirdhand final request at attempting to gain clarity on this erroneous insertion. If such documents are not produced within 15 business days please delete this from my consumer report. 
I am fully prepared and willing to file an official complaint against your company with the, XXXX and the attorney general if you are purposely relinquishing my federally protected consumer rights under the FCRA. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX