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

Subject : Dispute of Unauthorized Hard Inquiry on Credit Report Dear Experian Dispute Department, I am writing to formally dispute a hard inquiry appearing on my credit report dated XX/XX/year>, from XXXX XXXX XXXX. I want to clarify that at no time did I apply for a loan or authorize any such inquiry by XXXX XXXX XXXX. 

Regrettably, I was a victim of identity theft, and I discovered that someone had attempted to use my personal information to access credit products without my authorization. Upon learning of this fraudulent activity, I promptly took action to safeguard my credit profile by locking it. To support my claim, I have enclosed a copy of an Identity Theft Affidavit, which attests to the circumstances surrounding this incident. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I understand that credit reporting agencies are required to block and/or remove information resulting from identity theft once they have received appropriate documentation. As I have provided sufficient evidence of identity theft, I respectfully request that you immediately delete the unauthorized hard inquiry from XXXX XXXX XXXX from my credit report. 

This inquiry is not only inaccurate but also harmful to my credit standing. I trust that Experian will act promptly in accordance with its obligations under the FCRA to rectify this matter. Please confirm in writing once the inquiry has been removed or blocked. Should you require any additional documentation or information, feel free to contact me directly. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

This is me, XXXX XXXX XXXX XXXX a Resident of XXXX XXXX XXXX XXXX, Georgia XXXX, and I am writing this letter on my own behalf. 

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2700.00} **Inquiries** XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Tried to call in to customer service in regards to my loan payments and setting up auto payments and the dealership did not help along with trying to get hold of Wells Fargo Dealer services since a Wells Fargo branch was not close to my home at the time. They repossessed the car after only a few months of having it. And I had a remaining balance after they sold it in auction I believe and did for a long time but it was between the years of the fraudulent activities from XXXX.
Product: Credit reporting or other personal consumer reports

i need the account updated to paid as agreed and all negative payment history removed. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX, account number XXXX balance {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an active duty military member who currently serve overseas. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I signed the lease   XXXX   XXXX   XXXX   I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me   XXXX   XXXX   XXXX   said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On   XXXX   XXXX   XXXX  , I send a notice to vacate because the  apt was  not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time  XXXX   XXXX   XXXX  went to sign the lease the property manager was not there.   On   XXXX   XXXX   XXXX  , I get a called from the property  manager  stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this.   Then on   XXXX   XXXX   a collection show up on my credit reports from FAIR COLLECTIONS AND OUT  XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  (  XXXX  )  XXXX  {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until   XXXX   XXXX   XXXX  , which you can see was not true.
Product: Vehicle loan or lease

ALLY FINANCIAL IS Showing CONSISTENTLY INCORRECT INFO on my credit reports as a REPOSESSION. This vehicle was NEVER repossessed, in fact, I paid the vehicle off in full in XXXX XXXXXXXX. In XXXX or XXXX, despite filing bankruptcy, per my agreement with my Atty. XXXX XXXX of XXXX, MD, my car was NEVER included in the filing. I PAID MY CAR OFF IN FULL AND RECEIVED A LETTER FROM ALLY STATING THIS, THEN I RECEIVED THE RELEASE LETTER FROM THEM. ON MY REPORTS, THIS IS HORRIBLE, INCORRECT INFORMATION. WHEN I CALLED ALLY FINANCIAL TO REPORT THIS ISSUES, YOU ONLY GET OUT-SOURCED REPS FROM DIFFERENT COMPANIES AND YOU CAN NOT GET A UNITED STATES POST-BANKRUPTCY REP OF ALLY REPRESENTATIVE TO CHANGE THIS INCORRECT INFORMATION!!!!!!!!!!!!!!!!!!! THIS IS LOWERING MY SCORE DESPITE MY DUE-DILIGENCE AND MY SUCCESS IN PAYING OFF MY CAR!!!!!!!!!!!!!!!!!
Product: Debt collection

I have reached out to National Credit Systems, XXXX and XXXX in regards to this collections throughout the years and I feel that none of them truly investigated this account and my concerns. I have provided them with the my original police report, FTC report, my identity documents and my claim that this is not my account. After questioning the legality of this account by requesting bill of sale with my signature and the validation of this debt. XXXX provided me with a letter dated XX/XX/year> that doe not bear my signature and the name that is listed on the contract is XXXX XXXX XXXX. The signature detail page contains a name XXXX XXXX XXXX. Please note that I do not have a middle name and I never signed this document. The statute of limitations is 3-5 years to collect this debt in the state of Oklahoma. I feel as this debt has been on my credit profile without merit for many years and I am asking the CFPB to assist me reclaiming my identity. I am asking for monetary damages from all companies that participated in defaming me.
Product: Debt collection

XXXX XXXX XXXX was hired to provided surveying services in XXXX. All invoices were paid in full. Vendor sent a duplicate invoice in error and noted such error in a phone call sometime in XXXX. Vendor was going to check on the mistake and follow up. This never occurred. XX/XX/XXXX a collections was placed on my credit file from southwest recovery, subsequent calls and e-mails to XXXX XXXX were not returned. A dispute was filed through XXXX and apparently a decision was made within 3 days of the dispute for the collection to remain. This indicates to me that someone in the chain ( XXXX, southwest recovery, or XXXX XXXX ) acted unethically as there is no evidence of this account being valid and no communication with me regarding its existence. It seems unreasonable to assume in a matter of XXXX or XXXX  days that all parties were contacted, information was then provided, and a decision was ethically made. Furthermore, I believe Im entitled to see this invoice alongside the invoice which I paid in full to ensure its not a duplicate. If this is fact a bill that was unpaid, a simple acknowledgement of the outstanding invoice and proof of its validity would result in it being paid. Is that not the goal?
Product: Money transfer, virtual currency, or money service

I have used Venmo for many years and have never had a problem. I have enjoyed the app and it has been easy to use. I trusted them with their service but that is not the case any longer. XXXX XX/XX/2022, I tried to transfer funds of {$100.00} from my account to my bank account only to find out that my account was " suspended ''. I never received an email, I never received a notification on my phone, I was not contacted in any way. I contacted them on XX/XX/2022 and asked for an update on how to unsuspend my account. The customer service team told me they couldn't provide an answer and I would need to wait for their " specialized '' team to reach out to me in 6-8 business days. I decided that a phone call might help speed up the process, I called and still received the same answer. I contacted them again today, XX/XX/2022 and they told me the same thing, but this time, the timeframe can be up to 3 weeks. The CS agent said that I " might '' hear something by XX/XX/XXXX. I still can not access my funds. I still do not understand why my account has been frozen. I believe Venmo, like many other financial institutions, invests the money that I have in my account to make themselves money and they're holding my funds to benefit themselves. This is an unacceptable policy they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Debt collection

This company was informed about charges made to an old credit card and my account was closed and dismissed.Now for the past two weeks Ive gotten really nasty calls and threats.They even contacted my employer numerous of times with harrassment.The original card debt was removed from my report months ago.But upon checking my credit a few days ago I've found that the same card company has reported a card debt in my name listed as opened XX/XX/2022 with a balance over {$900.00}. I've never used any credit card that much and never have been given a credit that high.I have no knowledge of this said account they claim I have.This company keeps sending my information to different debt collectors that's reporting wrong information to my credit.Ive received alerts from XXXX about my SSN being exposed.There I no number listed to contact LVNV and many attempts to an online complaint has been ignored.They are doing illegal reports.
Product: Credit reporting or other personal consumer reports

Filed claim for accounts inaccurately reported/closed. 

XXXX XXXXXXXX : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA 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
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 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 copies of any papers that I physically signed that show I agreed to pay you what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Consumer Loan

I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.