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

Follow-Up : Dispute of Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-Up on Dispute of Unauthorized Credit Inquiries Dear Equifax, I am writing to follow up on my previous dispute regarding the unauthorized credit inquiries listed on my Equifax credit report. It is important to note that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information reported on my credit report is accurate and has a permissible purpose. 

As mentioned previously, I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to Section 604 of the FCRA, credit inquiries are only allowed for specific permissible purposes, and it is your duty to ensure that each inquiry listed on my credit report meets these criteria. Shifting the burden of proof to the consumer is not compliant with the FCRA.

I kindly request that you : 1. Investigate the unauthorized inquiries listed above. 2. Remove these inquiries fr
om my credit report if they can not be verified as having a permissible purpose.

3. Provide me with an updated copy of my credit report once the unauthorized inquiries have been removed. 


Thank you for your prompt attention to this matter. Should you require any further information to process my request, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

Resurgent Capital Services is attempting to collect a debt for XXXX originally from XXXX that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been XXXX delinquent in XXXX 2008. This places the debt outside the XXXX year statute to be collected on, and past the XXXX year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
Product: Debt collection

on the date of XX/XX/2016 my boss was talking to me about something, and it was payday ... i looked at my check stub and i noticed a garnishment in the amount of {$200.00} taken from my check, i had to call payroll and ask them what this was about regarding the garnishment, i asked why i never received any documentation. was never told why i never received any documentation, i was never notified, so they talked to someone about my debt, threatened them with arrest or something. i was also at my bank on the date of XXXX and saw someone talk with a bank teller asking about my information, she told him that she cant give him any information like that, he threatened to have her arrested. also on the date of XXXX at my previous employer XXXX  XXXX, a debt collector came in to my job and asked for imformation about me, which she never gave, he again threatened to have my boss arrested, also on the date of XXXX, my current employer received a call from the debt collector, later in the day they informed me that they were just " verifying something '', i asked " verifying what ''? i was never told or notified of anything, the debt collectors are : DCI credit services INC, XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX
Product: Prepaid card

I frequently used the CashApp card for incidentals authorizations at hotels. When I check out I request a receipt from the hotel and then forward to CashApp to request that they release the pending charge/authorization from the hotel. 

CashApp requires the following information via their policy to release the charge : For us to review this authorization further, provide a letter or receipt from XXXX XXXX confirming the date they released the hold, or shows a final balance of {$0.00}. This documentation must include the following : - Amount of the transaction or $ XXXXno balance on the final bill - Date - Merchant contact info or logo When I provide the information, a receipt, from the hotel that contains all of the information requested, CashApp representatives reject the receipt and state that there is information missing or the information is inconsistent.
Product: Credit card

I found an American Express credit card statement in the mail XX/XX/ with a balance and late fee of XXXX. I never opened or ever had or applied for an American Express credit card or balance transfer. This is definitely fraud stolen identity and someone opened this other than me. I opened a fraud case with American Express and said would take a month. I am looking and filing every measure to have this irradicated and resolved. It also is showing on my credit report. I will attach billing statement. Once again this is not me and I never received or opened this account. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I am writing the cfpb out of extreme desperation. The credit reporting agencies have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the 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. I have never received any written acknowledgements from XXXX with the options to opt out. This has caused my family great harm because I have been denied the privilege to buy a home, purchase a car with affordable rates. I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974. 
Pursuant to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Ive been fighting for years to rectify fraudulent activity, names, addresses, social security numbers, accounts. I have even talked to multiple customer service representatives and they have hung up in my face and refused to put a freeze on my account. Ive been a victim of XXXX breach they have failed me and my family. i have feared of someone getting a hold of my information. Because i get alerts that my info has been placed on the XXXX market or the dark web, this has placed my family in harms way. I just want to live my life in peace and not fear that I'm in jeopardy. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. 
You are also aware that reporting income on a credit report is against federal law. Charge offs are considered a certificate of indebtedness which is income, why are they still fraudulently reporting these accounts. 
It is also illegal to report transaction history on a report. 
15usc 1681s 16 CFR 433.3 Please uphold your fiduciary duties to report accurately. I am invoking my rights to privacy according to the privacy act of XXXX. I am also invoking my rights to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; XXXX. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all XXXX bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

In this complaint accompanies proof of my validation and certified receipt
Product: Checking or savings account

SOMEONE USED MY ACCOUNT WITHOUT MY KNOWLEDGE AND APPROVAL. SOMEONE WENT INTO THE BANK AS ME AND TOOK MONEY FROM MY BANK ACCOUNT MULTIPLE TIMES DURING THE PANDEMIC WITH A MASK. I DID NOT APPROVE OF THESE TRANSACTIONS ; SOMEONE STOLE MY ACCOUNT INFORMATION AND TOOK ALOT OF MONEY FROM ME. I CONTACTED THE BANK AND SENT IN THE DOCUMENTS AND SIGNED THEM.
Product: Checking or savings account

XXXX someone Zelles themselves {$250.00} from my account to theirs. Promises to provide services to me because their intent was to add their information only not send the money to their account. 
XXXX services still not provided. Owner says just call your bank and say I never gave you the services & you will get your money back. Dont tell them I sent the money to myself or my business account will be flagged. I call Chase Bank they say they can not file a dispute because I did not receive services. 
XXXX contact chase bank to let them know this person sent the funds to themselves and promised services but I never received them and person is refusing to send a refund. Chase says they can not reverse transaction because I have phone to person. I only have phone to person to enter their XXXX info because they said it changed I never agreed to pay for services before hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 and XXXX XXXX  XXXX XXXX XXXX. Please update ASAP.
Product: Credit reporting, credit repair services, 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 ) ( XXXX ) 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 : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to open an account they will not allow me saying there is a credit problem but no one can tell me what's the reason why I can't
Product: Mortgage

We had a mortgage resolution conference with  Citibank  on  XX/XX/XXXX    and both parties came to agreement. We were set up on a trial payment plan for 3 months. I paid {$930.00} that day and here is a list of the other payment dates of {$930.00} :  X/XX/17   ,  X/XX/17   ,  X/XX/17    and  X/XX/17   . I tried to speak to  Citimortgage  yesterday to make a payment and question the wrong statement they sent me, but after  57 minutes and being shuffled between four differe nt departments while waiting to speak to a fifth department my call was dropped. I sent an email to an  XXXX   XXXX  who is my dedicated??? Homeowner Suppor t Specialist aski ng him to call me after   XXXX   XXXX   which he did not yesterday or today.    Citibank sold? my mortgage to Citimortgage. Citibank or Citimortgage is confused, messed up or ridiculously inept. They have not sent me any documents after the 3 month trial period pertaining to the modification, they say I have a past due amount of {$50000.00}, say I am being charged {$41.00} late fee, and their   principal balance is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my score XXXX points from XXXX accounts that was opened in 2020. These accounts ware reported opened in 2020 when they were originally opened and has since been on my credit in good standing and has reported every month since 2020! These accounts should NOT have affected my score unless they were in bad standing! I feel as though Equifax is targeting my credit from my previous complaint!
Product: Consumer Loan

GreenSky Financial is trying to collect a debt that I never agreed to, and that I cancelled within three days, and is ruining my credit. 

A salesman from XXXX XXXX XXXX came to my door to sell me solar panels. He told me a bunch of information that turned out to be false, including about whether the solar panels would save me money. The salesman told me the panels would power my house, but XXXX XXXX XXXX told me later the panels were not sufficient to power my house. 

I never signed a loan agreement, but in XXXX 2013 I received loan documents from Greensky Financial claiming I owed {$17000.00}. They sent a loan agreement without my signature, and I never signed any agreement. 

I sent a notice of cancellation on XXXX XXXX, 2013 to XXXX XXXX within three days of signing the application ( I never signed a loan agreement, only an application and paid an application fee ). But then I received a statement claiming I owed GreenSky {$17000.00}. Later I found XXXX XXXX installing solar panels on my house. I immediately asked that they stop, I asked the VP of the company for them to stop, and even reported them to the county, but they did n't stop. 

GreenSky is now reporting on my credit report and it has ruined my credit. I have been denied for refinancing my house as a result of the GreenSky reporting. I have asked them multiple times to remove the reporting and waive the debt since I never signed any agreement and they have refused. I disputed with the credit reporting agencies but they claimed GreenSky verified the debt. 

I found help from a legal services attorney, and GreenSky will not provide him with any agreement that they claim I signed. They are completely non-responsive but are still ruining my credit. 

I did n't agree to borrow {$17000.00} and I submitted a notice of cancellation as soon as I saw they were confused. Now my credit is ruined. The stress of this situation has caused my health to deteriorate. My XXXX has XXXX and my XXXX has gotten worse. I always took pride in my credit and GreenSky has ruined it.
Product: Debt collection

This person XXXX from MATTHEWS & MICHEAL or XXXX debt collector or skip tracing has called me so many times. 4 times this morning XX/XX/XXXX. Before XXXX. 
She called over 19 times on Friday XX/XX/XXXX. I asked her to stop calling because I dont have possession of the vehicle. She then accused me of living in the car and said she would never stop calling me. She called over 9 times on XX/XX/XXXX. Over 5 times on XX/XX/XXXX. I told her to stop calling XX/XX/XXXX and she continues to call my family. My ex husband. My brother. Harassing them by calling 5-10 times back to back. I want to Sue this company for harassment and I have proof.
Product: Mortgage

Please reopen my complaint # XXXX to include my reply to SLS : SLS response is unacceptable and irresponsible. They are continually repeating a long drawn out response about what the record shown instead of identifying their errors and correction it. My mortgage statement shows SLS purchased insurance on my behalf on XX/XX/XXXX for the insurance lapse period in the amount of {$130.00}. My mortgage statement also shows that on XX/XX/XXXX, they received my repayment in the amount of {$130.00} which they misapplied by entering it into a suspense account. My statement further shows that on XX/XX/XXXX, {$130.00} was removed from that suspense account and applied as Additional Principal Payment. No one is stating these errors and misapplication of my payment. It has been totally ignored. For two years I have been given numerous assurances that the problem has been fixed, but every month since then, it has Not. This problem has led to numerous erroneous fees that I am not responsible for. What would it take for SLS to admit and correct their errors. Please, I need help.
Product: Credit reporting or other personal consumer reports

I was reported greater than 180 days delinquent on my mortgage with US BANK while I was on an approved forbearance plan. During the forbearance period, I submitted an accepted loss mitigation application that required several additional information requests before a loss mitigation decision could be made. I was informed, after continuous questions to multiple US Bank representatives, that during this period I would not have credit reported. The application was considered complete on XXXX, additional information was requested this date, then again on XXXX, then again on XXXX. I repeatedly complained about how the process was taking and also stated that the additional information request were superficial and not pertinent to making a sound financial decision. I stated for the record I believed this to be a tactic to put me in the worse financial situation with a VA loan. I was assured that my credit will be protected while going through the process and that the goal was to keep me in my home. In XXXX of this XXXX, a decision was made and trial repayment was scheduled. In the letter for trial repayment I was informed, in writing, by US Bank that no credit reporting will take place. I checked my credit to be sure. US bank lied. The same date US bank sent the letter, I was reported delinquent greater than 180 days to the credit reporting agencies. 
I called multiple times and initiated a credit reporting complaint to customer service department only to be told that the reporting was legit and in proper guidelines. I will seek legal counsel if this situation is not resolved. My personal credit is vitally important to my financial health and capability to earn more income. I feel US bank intentionally did this to make me a credit risk that impairs my ability to seek other mortgage options. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX??? 
XXXX XXXX XXXX paid/never late XXXX/XXXX XXXX paid/never late INQUIRIES XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX  I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX & XXXX XX/XX/XXXX  unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX {$30.00} ( SA ) XXXX XXXX not mine XXXX not mine XXXX {$2000.00} not mine XXXX {$3500.00} not mine
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 XXXX USC XXXX. Account name : XXXX XXXX XXXX  XXXX, Debt buyer XXXX XXXX U.S.C XXXX XXXX XXXX. States i have the right to privacy XXXX XXXX USC XXXX Section XXXX Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX Section ( 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. XXXX U.S.C XXXX ( XXXX ) ( 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 the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.