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

I have filed several disputes with EQUIFAX concerning the below listed unauthorized HARD INQUIRIES. 

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that EQUIFAX provide said written proof that I authorized the below listed Hard Inquiries that you are reporting. 

I Hereby Place EQUIFAX on notice That : Pursuant to 15 U.S.C. 1692a ( 3 ) I am the consumer, and I never gave XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, AND XXXX XXXX XXXX written consent to report anything on my consumer report, NO CONSENT is IDENTITY THEFT, pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. 

I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers credit worthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. XXXX XXXX, XXXX XXXX, XXXX  XXXX, AND XXXX XXXX XXXX have listed these HARD INQUIRIES without my permission and written instruction. This is a violation of Federal Law pursuant to 15 U.S.C. 1681b. 

1. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
2. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
3. XXXX XXXX Bank ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 
4. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. In accordance with the Federal Law listed above please send me written proof that I authorized this inquiry. Otherwise, DELETE this unverifiable hard inquiry from my credit report. 

This false reporting by EQUIFAX constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these unverifiable HARD INQUIRIES must be DELETED from my credit report within 15 days.

I am prepared to file suit against EQUIFAX for violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate, 15 U.S. Code 1681n - Civil liability for willful noncompliance and for violation of Regulation V. These three violations constitute a violation of The Consumer Protection Act.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 or other personal consumer reports

I previously sent a demand letter requesting the removal of this XXXX XXXX that does not belong to me. I have documentation from Spring Oaks Capital , LLC and XXXX XXXX account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this XXXX XXXX XXXX. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I have {$9000.00} USD in my PayPal wallet. Since XX/XX/2020 they have locked my account and denied me access to my funds. They sent the following message in XXXX and again about XXXX. 
" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money.Reference ID : XXXX '' This is theft and I want my money returned to me with interest.
Product: Vehicle loan or lease

Since XX/XX/year> I have sent letters and emails ; only way to communicate with company besides customer service number. They have no local office here in South Carolina and I am not able to locate any information on the company. I have sent DEBT VALIDATION/FULL DISCLOSURE AGREEMENT requests ; as well as ; REVOCATION OF POWER OF ATTORNEY and CEASE AND DESIST notarized copies to this company and still have been harassed. DOWN PAYMENTS are ILLEGAL 15 U.S. CODE {$1600.00} ( b ) and 15 U.S. CODE {$1600.00} ( 1 ) False and deceptive forms ; and they committed misrepresentation when they requested I paid a down payment and I have the right to rescind under 15 U.S. CODE 1635 ( 6 ) Right to rescind and keep property.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

In XXXX of XXXX, XXXX, and again in XXXX, my XXXX card issued by Comenity Bank was used by an unauthorized party who somehow had access to my account information even though I received a new credit card number after each of the three previous unauthorized charges during the past three years. No one else has access to my credit cards. 
In XXXX and XXXX, after filing a formal complaint with Comenity, they eventually conceded that it was an unauthorized charge ( XXXX for {$380.00} ) to my credit card. After each event, I received a new credit card with different account number. Unfortunately, in XXXX Comenity declined to do so, requiring me to pay the unauthorized charge to keep my account current and avoid a negative impact to my credit rating. 
Given that this is the third time in that many years that my account has had the same unauthorized charge for the same amount and payee against my credit card, I am quite concerned about the lack of responsiveness on Comenity 's part and what appears to be lax oversight provided for unauthorized charges and worry about what certainly appears to be a pattern of control breakdowns leading to unauthorized use. I'm also concerned about Comenity 's continued authorization of these annual charges to new credit card account numbers ; someone should have observed red flags by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Formal Complaint Against Experian for Failure to Delete Unverified Debt Dear Consumer Financial Protection Bureau, I am reaching out to seek your intervention regarding a matter with Experian. In XX/XX/2023, I formally disputed a debt that is listed on my credit report due to its inaccuracy. After awaiting the necessary timeframe for a response, I found that Experian was unable to verify the accuracy of this debt.

Under Section 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), when a debt 's accuracy is challenged by a consumer, the credit bureau must verify its accuracy. If they can not do so, they are obligated to remove this debt from the consumer 's credit report. However, despite their inability to verify the debt in question, Experian has not deleted this unverified entry from my report.

The presence of this unverified debt on my credit report has not only impacted my credit score but also poses potential challenges for my future financial endeavors. I have acted in good faith, adhering to the required procedures to dispute and seek verification for this debt. It is disheartening and concerning to see Experian 's non-compliance with established consumer protection laws. 

The Creditor Information is below... 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX
Product: Debt collection

I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a penny on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " Con-Spire '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 hard inquires on Experian consumer report XXXX XXXX XXXXXX/XX/XXXX. 

These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove all 4 hard inquires from the data report that they had issues accessing experian report.
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. 

Account name & # XXXX XXXX XXXX XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXXXXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio Dept of human S : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered several inaccuracies that have negatively impacted my credit score. It appears that there are discrepancies in the reported information, which do not reflect my financial behavior accurately. 

XXXXXXXX XXXX XXXX is reporting a Charge off on XXXX and XXXX of 2021 through Experian. There aren't any indications on this report showing missed payments of 30,60, or 90 days. Report shows good payment history and then goes right to charge off. This account was paid in full durning this same time frame. 

Furthermore, XXXX and XXXX XXXX are stating a charge off but reports reflect " none reporting '' for the entire term. 

I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to correct the inaccuracies promptly. 

I understand that errors can occur, but it is crucial to rectify them as soon as possible to avoid any further repercussions. I appreciate your prompt attention to this matter and your cooperation in resolving it efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX XXXX XXXXXXXX account # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Please update all of my personal information on XXXX, XXXX  and Experian.There are forms of my name and addresses that should not appear on my credit report. 

My only name is XXXX XXXX. 
My only address is XXXX XXXX XXXX. XXXX XXXX, OH XXXX.
Product: Vehicle loan or lease

My credit report reflects that Bridgecrest charged off the full amount of the loan and it still reporting a balance on my credit they never sent me a 1099 and by holding my title for ransom bridgecrest keeps attempting to repossess my car. I want to know if they have a lien against my title and if so I want them to release it and send my title to me. I also want bridgecrest to send me a 1099 as they have reported the entire loan as a loss. These practice are against ( TILA ) and are unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act XXXX and Equifax are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my XXXX Credit Report is showing {$1000.00} and from the same account, Equifax is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account XXXX is reporting the High Credit {$16000.00} and on this same account Equifax is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also XXXX is reporting the date last reported as XX/XX/XXXX, and Equifax is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also XXXX is reporting the Date Last Active is XX/XX/XXXX and Equifax is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also XXXX is reporting Date of Last Payment was XX/XX/XXXX and Equifax is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while XXXX and Equifax are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.
Product: Debt collection

The issue here is the negative late payment placed on my credit report that dropped my credit score. 

The purchase of my XXXX  XXXX XXXX XXXX was financed through GM Financial. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the Truth and Lending Act. 

Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. GM Financial was payed in Full at the time of my signature, so there should be NO LATE payments. 

Gm Financial never notated my account was under dispute pursuant XXXX Responsibilities of XXXX XXXX XXXX XXXX XXXX reporting agencies. 

Gm Financial strategically refused to note my account under dispute.By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. 

This is yet another extortionate attempt at collection on their financed lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit card

My mother, XXXX XXXX, died on XXXX XXXX, 2011 and shortly after an electronic application for a credit card with American Express was submitted using her date of birth and the name XXXX XXXX. The address used was in XXXX, Massachusetts. I have not been able to obtain a copy of the electronic submission. I am the executor of the estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA