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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about Inquiries that i didnt authorized and they could not help me. So i decided to do a little more digging and came up with this site. 
The inquiries i am referring to are : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX/XXXX/XXXX I didnt authorize noone to run a credit check on the above inquiries i suspect i am a victim of Identity theft.
Product: Credit card or prepaid card

I Applied for the Capital One XXXX  XXXX  Credit Card on XX/XX/2022. Upon approval, I received an email stating that the full deposit ( {$200.00} ) was due by XX/XX/2022 to receive the card, otherwise the account would be canceled. Screen stated that additional deposits to increase the card limit of {$200.00} up to {$1000.00} could be made prior to card activation. No explicit date was stated for when additional deposits were required to be paid by within the disclosure, just that they were required prior to activation ; the only date stated for deposits was for the initial {$200.00} deposit. On XX/XX/XXXX I went online to schedule an additional deposit to be made to the card and discovered I could no longer do so. The message I receive stated that either the Deposit due date had already passed or that the application was no longer valid. I called and spoke to a supervisor at Capital One and explained my situation to them. I was told that the date stated was for not just the required deposit, but for the additional deposits as well. I pointed out to them that the disclosure displayed during the application process did not clearly state that, and as such was misleading. I referred them to other areas on the website where the same unclear terms were reiterated. I had applied for this card to help increase my credit limit so I can rebuild my credit score, and because of the deceptive marketing practices employed by Capital One, the card will not be useable for the purposes it was needed for. Capital One has refused to have their underwriting department fix the issue.
Product: Student loan

I was on an Income Based Repayment  plan until XX/XX/XXXX of last year. I file for it multiple times after it was up in XX/XX/XXXX as I was not making much money. I have called XXXX XXXX numerous times to put it back in Income Based Repayment. Nothing was done. I received no emails, no letters, and no phone calls for months and come to find out it was put into collections. I have been trying to talk to the department of education numerous times since then and they would not even give me the time of day. Now they are trying to capitalize the interest and threaten to garnish my wages. I would just like to it to be back on IBR until I can find a job to pay it down.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding unauthorized inquiries placed on my consumer report by credit bureaus, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to rectify this issue through other channels, I have yet to receive a satisfactory resolution, prompting me to seek your assistance in addressing this matter. 
On XX/XX/year>, I lodged a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  regarding the unauthorized inquiries on my consumer report. However, to date, I have not received any correspondence or resolution from the credit bureaus in response to my complaint. 
According to the FCRA, credit bureaus are required to have a permissible purpose for accessing consumer reports. Permissible purposes include, but are not limited to, a firm offer of credit, insurance, employment application, or court order. I have thoroughly reviewed my financial records and have found no evidence of any such permissible purpose for the inquiries made on my consumer report. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene in this matter and investigate the unauthorized inquiries placed on my consumer report by the credit bureaus. I kindly ask that you review the documentation provided by the credit bureaus to verify whether a permissible purpose was indeed established for these inquiries. If such documentation exists, I urge you to provide it to me for my review. 
Furthermore, I request that appropriate action be taken to ensure that the credit bureaus comply with the FCRA and cease any unauthorized inquiries on my consumer report. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take the necessary steps to resolve it promptly.
Product: Prepaid card

I received a CashApp card in the mail on XXXX that I never requested. I called the company and filed a report and asked them to close the account and flag it for fraud. They said that I needed to complete the request via secure email. I did what they asked- but did not provide any personal information. They are now saying they are not responsible for closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 A Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXE Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights. 

XXXX5 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 or other personal consumer reports

I noticed an inaccurate late payment listed on my credit report for XXXX, XXXX XXXX and Possible Financial Inc.. The late payment for XXXX, XXXX is listed as occurring on XX/XX/year>, but the dates are incorrect. Based on my payment history, I should not be in the late payment zone. I have consistently made timely payments, and this entry does not accurately reflect my account status. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and this late payment does not accurately reflect my history. Furthermore, under 15 U.S.C. 1681e ( b ), creditors and credit reporting agencies must maintain and report accurate information, and failure to do so is preventing me from obtaining credit, which is a violation of my rights. 



Additionally, Possible Financial Inc. 's account was paid off in full before XX/XX/year>, and should not be listed as delinquent or carry any negative payment history. The fact that it is still showing as delinquent clearly violates my rights under the FCRA, which mandates that all reported information be accurate and verifiable. I request that the inaccurate late payment for Possible Financial Inc. be removed and my account be updated to reflect the correct status. 


I respectfully request that both of these inaccuracies be corrected, and my account statuses be updated accordingly. I would also like to remind the companies involved of their obligations under the Fair Debt Collection Practices Act ( FDCPA ) to report accurate information and ensure the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Transunion Credit Bureau XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Transunion, I am writing to formally dispute unauthorized inquiries that appear on my credit report. Upon reviewing my credit file, I noticed several hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a credit bureau may only include inquiries in a consumers credit report if they are permissible under law. Since I did not give consent for these inquiries, I request their immediate removal. 

The disputed inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX According to the FCRA, unauthorized inquiries must be removed unless the company that initiated them can provide verifiable proof that I consented to the inquiry. If these companies can not substantiate their claims, I request that you remove these inquiries from my credit report and provide me with written confirmation of the deletion. 

Please consider this letter as my formal dispute under the FCRA. If these inquiries remain on my report, I request full documentation of the authorization for each inquiry, including a signed application or recorded verbal consent. If such documentation can not be provided, the inquiries should be deleted immediately in compliance with federal law. 

I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please investigate this matter and respond to me in writing within the legally required time frame of 30 days. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Associated credit Services inc sent me two pieces of paper claiming, that the two papers verify the debt that they claim that I owe to them. I asked them for the original contract bearing my signature and they cant seem to provide that document to me, I need this debt validated, I did not ask for verification of the debt, I asked for validation, meaning that I need to see the original contract bearing my signature or if I signed an agreement with associated credit services inc saying that I agreed to pay them any amount of money, I would also like that provided to me. What this company sent me its not enough to validate this debt, delete this debt from your system and do not contact me anymore about this matter if I cant be provided with the documents that I have asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$180.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$210.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 XXXX : {$52.00}
Product: Credit reporting or other personal consumer reports

There are a few Inquiries showing on my EquifaxCredit Report which is totally not mine and I never applied with these Companies for anything. by law, the credit beaurau has to have specific verification in order to report this. I have sent XXXX letters requesting to send me the documents of how they validated these inquiries and it has been quite sometime and they refuse to remove the inquiries and also never sent me the docs supporting that they are legally reporting this. 

The wrong inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never ever applied with this Companies for anything and never dealt with them at all. I requested multiple time from Equifax to remove this and or validate this and they never sent me any validation. I request that Equifax please either send me the supporting docs to validate this and or remove them from my report immediately
Product: Debt collection

i was pay by automatic with my XXXX XXXX XXXX and suddenly something happened i didnt received mail anymore and months later a letter came from california asking lot a money i cant not pay is not fear for a hard worker like me i need help,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. Past Due amount is incorrect XXXX las active in also incorrectly. XXXX date of payment. I have not made any payments and they haven't provided me with no XXXX XXXX and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with my social security card on 06/16/2020. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX was listed for an inquiry on my credit report.Other inquiries listed below : Account name : XXXX XXXX. 
Account name : XXXX XXXX XXXX. 
Account NameXXXX XXXX XXXX 

All have 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

Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it 17 years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.
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 TransUnion 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 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  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 Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Credit card

This account is past 7 years and should be deleted and is still on my credit report. This needs to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into National Credit Adjusters in XXXX of XXXX and paid off in full a {$460.00} trade line of theirs on my credit report from an account from XXXX XXXX XXXX that the last payment was in XXXX XXXX XXXX 

NCA erroneously updated my credit report to show this account as having been opened on the date that I called and paid them in full for it. It took multiple calls and attempts to even get it to be recently updated as being " closed, '' but now it still shows up as being a much newer account than it actually is and is causing a recent collection to show up on my credit report. 

Other than the amount, being " paid, closed, '' all of the information they are reporting on this account is inaccurate. And their inaccuracies are causing actual financial harm as I attempt to get new credit or have to pay higher interest rates as a result of their errors. 

If this isn't updated accurately, or removed entirely, as a result of this final complaint, I'm going to have to seek legal damages against them.